Commercial truck finance / Vertex Asset Finance

Keep business moving.
Finance with direction.

Buying your next truck or planning an upgrade to your transport operation? Explore finance pathways for eligible commercial trucks with practical guidance from an independent Australian finance broker.

Explore a truck finance quote Speak with our team
Transport & commercial asset enquiriesSubject to lender eligibility
Commercial delivery truck driving on a road
Built around the job.Plan the next step for your business.
Independent finance brokerDiscuss options through a lender panel.
Commercial truck enquiriesNew and used trucks, subject to eligibility.
Clear application guidanceUnderstand paperwork, terms and next steps.
01 / What are you looking to finance?

Commercial trucks for different kinds of work.

From local deliveries to heavier transport tasks, the asset, its intended use and your business circumstances can shape the finance options available.

01

Light-duty trucks

Explore potential finance options for eligible light commercial trucks used for deliveries and daily operations.

02

Rigid & medium trucks

Discuss finance for eligible rigid trucks used in logistics, trade, construction and regional transport.

03

Heavy-duty trucks

Consider funding pathways for qualifying prime movers and heavy transport vehicles, subject to lender assessment.

04

Used trucks & upgrades

Ask about purchasing an eligible pre-owned truck or replacing an existing work vehicle.

Need finance for a specialist body, trailer or other transport equipment? Eligibility varies by asset and lender.

Ask about your equipment
02 / Consider the whole operation

The right truck finance conversation starts with your business.

A truck is often an essential working asset. We help you consider factors that may affect eligibility, repayments and suitability before you proceed.

Business structure & trading history

Lenders may review your business structure, time trading, income and financial commitments when assessing commercial finance.

The truck & its intended use

Vehicle age, condition, purchase price, usage and possible security requirements can affect eligibility.

Dealer or private seller

Different purchase channels may require different invoices, checks or ownership documentation.

Learn about our approach
Financial documents being reviewed during a business purchase decisionYour business. Your next step.
03 / Finance considerations

Look at the numbers beyond the sticker price.

Compare any proposed finance arrangement in the context of operating costs, cash flow and long-term business requirements.

Repayments & total cost

Review the rate, fees, loan term and payment schedule. A lower periodic repayment may come with a higher overall cost over time.

Truck operating costs

Budget for insurance, registration, fuel, servicing, tyres, maintenance and potential downtime alongside repayments.

Structures & lender criteria

The available finance structure and any deposit, residual payment or security requirement depend on lender policy and your circumstances.

Business finance products can have different tax and accounting implications. Seek independent tax or accounting advice appropriate to your business. All finance remains subject to assessment and approval.

04 / How the process works

From truck details to a clearer decision.

Whether you're upgrading a single vehicle or considering your next commercial asset, the process begins with understanding what you need.

STEP 01

Tell us what you need

Share the truck type, approximate price, proposed use and whether the vehicle is new or used.

STEP 02

Discuss finance pathways

We consider possible options through the lender panel and outline important criteria.

STEP 03

Review requirements

Understand the proposed terms and the business or vehicle information a lender may ask for.

STEP 04

Apply if you choose

If you wish to proceed, supply the required application information for lender assessment.

What information should I prepare?

You may need identity details, ABN or business information, financials or income records, existing commitments and the truck’s make, model, age, cost and seller details. Exact documentation varies by lender.

Ask what to prepare
05 / Frequently asked questions

Truck finance, explained.

Answers to common questions about financing a commercial truck in Australia.

Can I apply for finance for a used truck?
Potentially. Some lenders consider eligible used trucks. Vehicle age, condition, valuation, intended use and seller paperwork may affect available options.
Can a sole trader or small business apply for truck finance?
Applications may be considered from eligible sole traders and businesses. Requirements depend on the lender, business structure, trading history and financial circumstances.
Can I finance a truck purchased from a private seller?
Some lenders may allow qualifying private sales, often with additional identification, ownership, valuation or vehicle checks. Confirm requirements before committing to a purchase.
Do I need a deposit for truck finance?
Not every loan has the same deposit requirement. The amount, if any, can depend on the asset, lender, finance structure and your business circumstances.
Can I finance more than one truck?
You can discuss multiple-vehicle or fleet-related finance needs with Vertex. Whether an arrangement is available depends on the number and type of vehicles, business finances and the lender’s criteria.
What documents are needed for a truck finance application?
Common requests include identification, business details, income or financial records, financial commitments and information about the truck or purchase. Some lenders require further evidence or vehicle checks.
Does getting an equipment finance quote affect my credit score?
The official Vertex equipment quick-quote page states that getting its quote will not affect your credit score. A subsequent formal application may involve a credit enquiry, so review the lender disclosures before proceeding.
Is truck finance approval guaranteed?
No. A quote is not an approval. Any final loan offer is subject to lender criteria, credit assessment, financial verification and approval of the asset.
View all finance FAQs
06 / Ready when you are

The next step for your business starts with clarity.

From an extra delivery vehicle to an operational upgrade, discuss possible truck finance pathways and the information needed to get started.

Let's talk truck finance.

Start an equipment finance quick quote or talk to Vertex about a truck purchase you have in mind.

Start your truck finance quote Speak with the Vertex team ↗

Vertex Asset Finance is an independent finance broker, not a lender. Finance availability, loan terms, rates, fees and approval depend on lender eligibility criteria, credit assessment and financial verification. See the global footer for licensing and privacy disclosures.