Truck Finance
Prime movers, rigids, tippers and trailers, new or used, owner operator to fleet.
View finance optionsTransport & 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.
80+ lender panelBanks and specialist lenders
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A truck off the road is money standing still.
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.
We structure the finance around your tax position and how you run, chattel mortgage, hire purchase or lease, and chase a quick decision so the rig is working, not waiting. You drive the business; we manage the lender and the paperwork.
What transport operators finance with us.
From a single unit to a whole fleet, the gear that moves your freight can be financed:
Vehicle Finance
Vans, light commercials and support vehicles for last mile and depot runs.
View finance options
Equipment Finance
Forklifts, trailers, GPS/telematics and depot equipment that keep freight flowing.
View finance optionsCashflow Finance
Cover fuel, wages and rego while you wait on 30/60 day freight invoices.
View finance optionsInvoice Finance
Turn unpaid freight invoices into cash so growth doesn't outrun your working capital.
View finance optionsUnsecured Business Loans
Working capital to take on a new contract or expand a run, no property security.
View finance optionsWhy operators bring their deals to a broker.
One broker to compare our panel of 80+ banks and specialist lenders.
Talk through your options80+ lenders, one application
We compare banks and specialist transport lenders in one go for the sharpest rate available to you.
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.
Make the next move.
Know the full picture.
The right finance should support the work ahead. Compare what it makes possible with the cost and commitment of borrowing.
What finance can help with
Put the right gear to work
Access vehicles and equipment for new contracts, replacements or a growing workload.
Keep cash available for the job
Spread an eligible purchase over time while keeping a buffer for wages, materials and operating costs.
Reduce avoidable downtime
Replace unreliable assets when the cost of repairs and lost working time starts adding up.
What to weigh up
Look beyond the repayment
Compare interest, fees and any final balloon payment alongside the total amount you will repay.
Allow for quieter periods
Repayments continue when work slows or customers pay late. Check the commitment against your cashflow.
Compare buying now with waiting
Weigh repair costs and missed work against the cost of finance. Paying cash also reduces your available buffer.
Match the truck, route and repayment.
NHVR distinguishes general access vehicles from vehicles that need access under a notice or permit. Registration alone does not establish access for every heavy vehicle combination or route.
NHVR: do I need an access permit?What to prepare for your finance discussion
Before committing, confirm the body, payload, operating route and access arrangements with the appropriate authority. Budget for registration, insurance, servicing, tyres and fuel alongside the loan. Compare customer payment terms with weekly operating expenses, especially when adding a vehicle before a contract starts.
- Cab, chassis, body and trailer specifications
- Route and contract details, including commencement date
- Operating budget and existing vehicle repayments
Source checked 5 September 2026. These planning points explain how to prepare; lender requirements and regulatory obligations depend on your circumstances.
Your questions, answered.
Get clear on eligibility, paperwork and the next steps before you apply.
Ask a brokerAre you a lender or a broker?
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.
Can I finance an older or high kilometre truck?
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.
I'm a new owner operator, can I get finance?
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.
Can you fund a whole fleet as well as one truck?
Yes. We arrange single unit deals through to fleet facilities, sized to how your operation runs and your repayment capacity.
How fast can a truck settle?
Decision and settlement timing depend on the lender, complete documents and any required asset checks. Your broker confirms the expected steps before you commit.
See how it worked
for other businesses.
View all case studies
$52,000 settled
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.
Read case study
$310,000 settled
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 case study
$90,000 limit settled
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.
Read case study