80+ lenders, one application
We compare banks and specialist transport lenders in one go for the sharpest rate available to you.
Industries
Transport & Logistics Finance
Trucks, trailers and prime movers funded fast, we compare 80+ lenders so a new rig or a fleet upgrade never parks your operation.
Get your quoteA truck off the road is money standing still.
A rig outside one bank's policy may fit another lender. Lenders assess truck age, kilometres, seasonal freight income, time in business, driving experience and contracts in different ways.
In transport, downtime is the enemy. A breakdown, a new contract, or a chance to add capacity all need the right rig at the right time. X Lend is a finance broker: we compare a panel of 80+ banks and nonbank lenders and arrange the finance so your fleet keeps earning.
From an owner operator buying a first prime mover to a fleet adding trailers and rigids, we match the deal to lenders who understand transport, including older trucks, higher kilometres and seasonal freight cycles that banks reflexively decline. Low doc options keep it fast for established operators.
What transport operators finance with us.
From a single unit to a whole fleet, the gear that moves your freight can be financed:
Truck Finance
Prime movers, rigids, tippers and trailers, new or used, owner operator to fleet.
Vehicle Finance
Vans, light commercials and support vehicles for last mile and depot runs.
Equipment Finance
Forklifts, trailers, GPS/telematics and depot equipment that keep freight flowing.
Cashflow Finance
Cover fuel, wages and rego while you wait on 30/60 day freight invoices.
Invoice Finance
Turn unpaid freight invoices into cash so growth doesn't outrun your working capital.
Unsecured Business Loans
Working capital to take on a new contract or expand a run, no property security.
Why operators bring their deals to a broker.
We know which lenders back transport, and which to skip.
Lenders for tricky rigs
Older trucks, high kilometres or seasonal income, we place deals a single bank's policy rules out.
New operators welcome
Some lenders weight your driving experience and contracts as well as time in business.
Low doc for established fleets
Trading history can stand in for full financials, keeping approvals fast.
Structured for tax
Chattel mortgage, hire purchase or lease, built around your GST and depreciation position.
Fast settlement
Many truck deals settle in 48 to 72 hours so the unit gets earning sooner.
Before you decide
Weigh the opportunity against the cost of waiting
The right comparison considers what finance could make possible and what delaying the asset or funding may cost the business operationally.
Pros
- Access suitable vehicles and equipment when keep the fleet rolling and the freight moving. opportunities arise.
- Preserve working capital for wages, materials, tax and other operating expenses.
- Replace unreliable assets sooner and reduce avoidable downtime across jobs.
Cons
- Suitable keep the fleet rolling and the freight moving. contracts may be missed when the required vehicles or equipment are not available.
- Older equipment can keep breaking down when there is not enough cash to replace it outright.
- Paying the full purchase price from cash can leave less buffer for payroll, materials and unexpected costs.
Questions answered
Industry finance questions
Clear answers before you decide what to apply for.
We're a finance broker: we compare a panel of 80+ banks and nonbank lenders and arrange the finance that best fits your transport business.
Often, yes. Lenders differ on truck age and kilometres, which is exactly why comparing 80+ of them helps, we match your unit to a lender comfortable funding it.
Frequently, yes. Some lenders consider your industry experience and contracts alongside time in business. We present your deal to the lenders most likely to back a new operator.
Yes. We arrange single unit deals through to fleet facilities, sized to how your operation runs and your repayment capacity.
Many transport deals get a same day decision and settle within 48 to 72 hours once documents and inspections are in.
Want to know your rate?
An indicative rate request does not create an obligation to proceed.
Genuine settled outcomes
Related case studies
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$310,000
A Kenworth moved from rent-to-own into proper ownership
Approved on the first lender enquiry and settled at a historical rate of 9.59%, reducing the ongoing cost and moving the truck into proper business ownership.
Read the outcomeBusiness LendingSettled
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A debtor facility kept 25 casual workers paid on time
Approved on the first lender enquiry and settled with a $90,000 limit and access to up to 85% of eligible invoices, allowing weekly payroll to continue without waiting for customers.
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$52,000
A Toyota HiAce funded against a new delivery contract
Approved on the first lender enquiry and settled at a historical rate of 9.69%, allowing the new delivery run to begin on time.
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