Industries · transport & logistics
Heavy vehicles, working capital, and the fuel to keep moving.
Transport and logistics businesses run on tight margins, equipment-heavy capital structures, and contract-driven revenue with payment terms that can stretch 60 to 90 days. Lenders that understand the industry price differently from generalist commercial lenders, particularly on heavy vehicle finance and fuel facilities.
How transport & logistics financing actually works
Cashflow patterns and lender appetite.
Transport and logistics businesses run on tight margins, equipment-heavy capital structures, and contract-driven revenue with payment terms that can stretch 60 to 90 days. Lenders that understand the industry price differently from generalist commercial lenders, particularly on heavy vehicle finance and fuel facilities.
We work with specialist heavy-vehicle financiers, fuel-card facility providers, and invoice financiers experienced with long head-contractor payment cycles. The right combination depends on whether you're owner-driver, mid-fleet, or scaling toward enterprise contracts.
Common products for this industry
Where the money tends to come from.
Sub-product · live
Commercial vehicle finance
Light commercial trucks, vans, and service vehicles for delivery and last-mile.
Read morePillar
Asset & equipment finance
Heavy vehicles, prime movers, trailers, refrigerated transport.
Read moreSub-product · live
Invoice discounting
For long head-contractor payment cycles common in transport contracts.
Read moreSub-product · live
Unsecured business loans
Bridging fuel and payroll across contract cycles.
Read moreSub-product · live
Business overdraft
For established operators with strong banking history.
Read more
Industry lender programs
Specialist appetite for transport & logistics.
- Pepper Asset Finance
- Liberty Commercial
- Westpac Asset Finance
- NAB Equipment Finance
- Bank of Queensland
- Scottish Pacific
- Earlypay
These lenders run programs or have specialist teams for this industry. Specific deal fit still depends on your business profile.
Anonymised case studies
Recent transport & logistics situations.
Anonymised to protect client identity. Real shapes of deals we've helped place.
Case study
Owner-driver buying first prime mover
SituationExperienced PAYG truck driver, recent ABN, one signed haulage contract.
What fitChattel mortgage via specialist heavy-vehicle program, $180K, 6-year term, 25% balloon.
OutcomeApproval despite short ABN history (recognised PAYG experience), settled aligned with truck collection.
Case study
Mid-fleet operator funding payroll between contracts
Situation12-truck operator, 60-day head-contractor terms, $90K weekly payroll.
What fit$1.2M invoice discounting facility against the receivables ledger, confidential.
OutcomePayroll smoothed without an overdraft; 80% advance on each invoice within 24 hours.
Industry questions
Common questions from transport & logistics operators.
Owner-driver financing without two years of ABN history?
Specialist heavy-vehicle lenders accept newer ABNs where prior PAYG experience in the same industry is documented. Pricing is somewhat higher than fully-tenured ABN rates, and the asset usually needs to be new or near-new. We screen lender appetite before submitting.
Fleet financing structures?
Fleet operators usually run a structured asset finance facility with their preferred lender, with each truck added as a separate chattel mortgage under the facility. Pricing is sharper than per-truck individual loans and trade-in rollovers are streamlined.
Fuel card facilities?
Most major banks offer fuel card facilities for established transport operators (BP, Caltex, Shell). Independent fuel-card providers fill the rest. We can introduce alongside truck finance for streamlined banking.
Invoice finance for transport (long payment terms common)?
Confidential invoice discounting is the cleanest tool. Customer continues paying you directly, you draw against invoices as they issue. Particularly useful for long head-contractor terms (60 to 90 days is normal in some segments).
ATO instalment management?
Transport operators often face large quarterly fuel-tax credit and BAS movements. A short-term unsecured cashflow loan or overdraft typically smooths this; the right tool depends on whether the issue is timing or a structural margin problem.
Industry brief
Twenty minutes on the transport & logistics situation.
Tell us where the business is at and what's on the table. We'll come back with a lender shortlist tuned to your industry, or an honest signal that this isn't the right product yet.