1300 361 360

Benefit from the expertise of our truck and commercial finance team.

Since 2007, we have been helping businesses with low rate Truck & Trailer finance to grow their business whether it is purchasing their first small/medium delivery truck, upgrading an entire fleet of haulers, or investing in specialised customer trailers.

Our Commercial Finance team specialise in helping our business customers achieve their business and asset goals by taking time to understand the business needs for now and in the future. They then work to find a tailored finance option to suit your business and accounting structure.

So whether you are after starting out as a new business or looking to add or upgrade to your existing haulage equipment, our Commercial Finance Specialists can find a tailored finance solution for your business from our panel of over 60 leading Australian bank and non-bank lenders.

We can arrange finance for:

  • Small, medium & large delivery trucks
  • Prime movers and long haulers
  • Specialised trucks such as concrete trucks
  • Refrigerated trailers
  • Tradie box/tool box trailers
  • Freight or long haul trailers
  • Specialised or custom trailers such as hazardous materials or bulk materials

Click to learn more about finance for industry specific equipment or ‘Yellow Goods’ equipment.

Truck and trailer finance options:

Low rates • Tax effective • Flexible terms & residuals • 1-7 year terms

A Chattel Mortgage is the most common loan type for commercial lending. As the borrower, you take ownership of the asset at the time of purchase rather than at the end. This means you can use the asset as a taxable offset (in most cases), claim the GST on the purchase price and claim the depreciation of the asset and interest charges on the loan. It’s very flexible with 1-7 year loan terms and residuals available making it versatile for most business types.

Speak to one of our Commercial Finance Specialist to discuss which finance options would suit you and your business.

Tax effective • Flexible terms & residuals • 1-7 year terms

It’s all in the name with this loan type. A Hire Purchase or Commercial Hire Purchase is ‘hiring’ an asset with the intent to purchase it at the end of the loan term. This means that during the term of the loan, the lender owns the asset rather than you (the borrower), so the tax offsets are different from an accounting perspective as it’s not an asset owned by the business.

Speak to one of our Commercial Finance Specialist to discuss which finance options would suit you and your business.

Tax effective • Lease with the intent to buy • 1-7 year terms

A Lease is very similar to a Hire Purchase as it uses the same ownership principles where the asset is owned by the lender for the term of the loan rather than you (the borrower). The primary difference between ‘Hiring’ & ‘Leasing’ in that hiring allows you to decide if to include a residual or not. A Lease however has a regulated residual value calculated off the term of the loan.

Speak to one of our Commercial Finance Specialist to discuss which finance options would suit you and your business.

Great options for startup businesses • 1-7 year terms

Low Doc (also known as No Doc, Self Dec, Lite Doc) requires little to no proof of the borrower’s financial position but rather relies heavily on the assessment of the tenure of your business, you as the borrower, any guarantor’s financial position as well as the asset being purchased. This is a great option for businesses when they have little or no ‘provable’ servicing (ie capability to demonstrate or prove capacity to repay the loan).

Speak to one of our Commercial Finance Specialist to discuss which finance options would suit you and your business.

Competitive
We have access to some of the lowest industry commercial rates allowing us to be highly competitive and get your best rate finance.
Easy
We do the running around for you in comparing commercial finance options and rates from over 60 lenders.
Fast approvals
We work hard to get your loan approved fast. Same day approvals are available - ask us how!
Tailored
Our Commercial Team takes time to understand your business needs then works to find the best tailored and flexible finance solution.

What Our Clients Say

Neville Manson
Neville Manson
This is the 4th car loan where l have contacted Brock @360 finance. Brock is Awsome great communicator, friendly, professional & very helpful. I would highly recommend Brock if you are in need of a loan. Neville Portland Vic
mark armitage
mark armitage
Swift communication, easy online process and very responses service provided by Killian would highly recommended them for All financial requirements
Elisabeth Fekonia - Permaculture Realfood
Elisabeth Fekonia - Permaculture Realfood
Easy to contact and get great service from Brock
M R
M R
I gave up on Banks when they wanted your life story 360 Finance made it possible to buy my 4x4 plus dream caravan all under budget just be honest William the man found great deals for me he knew what I wanted and back me 150% he's your PA man! Onto it man! True story while I was out bush no signal he just cover all basic like finding the lowest interests insurance unbelievable price his services & patience is on point absolutely brilliant Thank you William
Connor Welsh
Connor Welsh
William was extremely helpful throughout the whole process
F Gagliardo
F Gagliardo
We had a great experience , Liam was very professional freindly and extremely understanding in preparing all our correspondence documentation. We would definitely recommend all our friends and family to Liam .
Greg Wood
Greg Wood
Kevin from 360 Finance was so helpful and went above and beyond to ensure our loan application went through with minimal fuss. There is always a redtape hiccup when loans are being requested but Kevin did all the hard work to make our experience stress free.
David blythe
David blythe
Liam from 360 Finance was helpful and informative through the whole process. The loan process went easy with the short time frame that was required.
Afghan Updates
Afghan Updates
360 finance is the best option to choose for finance a car i really recommend it
Austin Witt
Austin Witt
Can't thank Killian enough! he was so helpful and made the process so easy for me! Thank you Killian!
Google rating score: 4.7 of 5, based on 587 reviews

Calculators

Calculators and rates

At today's lowest truck finance rate of 8.39%
(Comparison rate 9.03%) you'll pay approximately...

$ per *

At today's lowest truck finance rate of 8.39%
(Comparison rate 9.03%) you can borrow approximately...

$*

What makes us different?

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What makes us different?

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