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01Finance & lease

Structure the money
before the truck.

We publish our rates because a payment you cannot model is a payment you cannot plan around. Three structures, one application, a decision inside a business day.

02Three structures

Own it, lease it, or draw against a line.

Retail finance

6.45%

24–84 months · From 10% down

Straight ownership. You hold the title at term end and build equity from month one. Best for units you intend to run past the note.

  • Fixed rate for full term
  • No prepayment penalty
  • Title in your name at payoff
Most chosen

TRAC lease

5.85%

36–60 months · From 5% down

Terminal rental adjustment clause lease. Lower monthly outlay, agreed residual, and the option to buy at the stated figure.

  • Lower monthly payment
  • Agreed residual value
  • Purchase option at term

Fleet line of credit

Indexed

Revolving · No unit-level down

For operators buying continuously. One approval, draw against it per unit, one consolidated statement across the fleet.

  • Single approval, many units
  • Consolidated statements
  • Scales with the fleet

Rates shown are representative for well-qualified commercial buyers with two or more years trading. Your approved rate depends on credit profile, time in business, structure and the unit itself.

03Payment estimator

Run the numbers yourself.

Standard amortisation, the same maths our desk runs. Change the purchase price to whatever unit you are considering, then move the down payment and term until the monthly makes sense against your revenue per mile.

The estimator is deliberately honest: it shows you the total interest as well as the monthly, because a longer term always looks cheaper until you see what it costs.

Find a unit to price

Estimated monthly

$2,197

$112,410 financed
$19,398 interest

10% · $12,490
6.45%

Estimate only. Excludes tax, title, registration and any documentation fee. Your approved rate depends on credit profile, time in business and the structure you choose.

04How it runs

Four steps, no theatre.

  1. 01

    Model the payment

    Use the estimator below with the real price of the unit you are looking at. Change the down payment and term until the monthly works against your rate per mile.

  2. 02

    Apply in ten minutes

    One form. Business details, time trading, and the unit you want. We do not ask for a lead magnet or a phone call before we will look at it.

  3. 03

    Decision in a day

    Most applications are decided inside one business day. Complex fleet structures may take two — we will tell you which yours is up front.

  4. 04

    Fund and deliver

    Documents sign electronically. We can fold transport into the structure so the truck arrives at your yard with nothing further to pay.

05Credit application

Ten minutes, then we work.

Tell us who you are, how long you have been trading and roughly what you are after. A finance manager will call you back with the structures that actually fit — including the ones that make us less money, if those are better for you.

Typical decision
Under one business day
Minimum time trading
None — we fund start-ups on structure
Soft search first
Yes, no impact on your file

Demonstration site — no data leaves your browser

06Questions

The things people ask.