1300 361 360
Benefit from the expertise of our 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 20 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 20 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.

At today's lowest truck finance rate of 4.89% (Comparison rate 6.13%) you'll pay approximately...

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At today's lowest truck finance rate of 4.89% (Comparison rate 6.13%) you can borrow approximately...

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What makes us different?

What makes us different?

Our customers & people


"Living life upgraded. Second purchase with 360 Finance!"
Sue G, Queensland
"Thank you 360 Finance for all your help. Finance has allowed my family to buy a brand new family caravan to travel this amazing country. #lifeupgraded "
Craig P, Queensland
"Thank you 360 Finance for another successful purchase with low interest and fantastic service!!!!"
Michelle W, Queensland
"New Car! Toyota Prado. Life Upgraded!"
Emilie D., New South Wales
"Here’s a pic of my new ride all washed up - I had a blast on my new stead. Thanks Leanne and 360."
Nathan S, Victoria
"So in love with my new car thanks to John at 360 Finance. I'm so happy with my Honda Civic RS Turbo. 360 Finance were great and totally recommend them. So a big thank you again."
April G, Queensland
"Thanks 360! I was blown away by the low rate finance and insurance I got compared to what I could find myself."
Karyn E, Northern Territory
"The kids are loving their new Taxi! Cheers Kyle and 360 Finance."
Lauren M, New South Wales
"We can’t wait for adventures in our new camper van, making memories with our two beautiful girls. Thanks 360!"
Skye C, South Australia
"Kim at 360 got me my Ute, Jetski and now a Mustang! She is a champ at her job and was very helpful. "
Chris R, Queensland
"Thank you Kevin at 360 for assisting us with our new car finance. Fast and easily approved."
Rhea P, South Australia

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