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$96,000 private-sale tipper finance for a 14-month-old company

The relatively new company wanted to stop paying subcontractors for every tipper job, but the truck was a private sale and the business had a limited financial history.

Illustrative scene: A used white 2022 Isuzu NPR tipper truck at an Australian landscaping yard, accurate cab-over NPR cab and Isuzu grille text, tipper tray carrying a modest load of soil, whole truck and tyres visible. Not the actual customer or their asset.
Corey Marino

Verified and reviewed by Corey Marino Founder & Finance Broker, FBAA member M-354085 · Diploma-qualified finance broker

Last reviewed 24 August 2026 · About Corey

What needed to be solved

The relatively new company wanted to stop paying subcontractors for every tipper job, but the truck was a private sale and the business had a limited financial history.

Credit file

690 director score with no defaults.

What X Lend did

X Lend found a specialist commercial asset lender that accepted the private sale and used business bank statements to verify income.

The 2022 isuzu npr tipper purchased privately submission was matched to specialist commercial asset lender and moved from application to settlement in 4 business days.

Settled outcome

Approved on the first lender enquiry and settled at a historical rate of 10.89%. The private seller was paid through the verified process and the business brought the tipper work in-house.

Historical outcome only. Rates and policy can change, and every application is assessed on its own circumstances.

Evidence supplied

  • Business bank statements
  • BAS
  • Private-sale invoice
  • Truck identification documents

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