Trailer Finance for Transport, Trades and Specialty Operators
Finance box trailers, semis, tippers, refrigerated trailers and specialty units. Specialist asset lenders, fast decisions, structured to fit your run.
Subject to lender assessment and approval. ACL 384704.
Trailer Finance — Quick Guide
- Structure — chattel mortgage most common
- Term — 1–5 years (up to 7 on bigger gear)
- New & used — both accepted; age limits apply
- Combo deals — truck + trailer can be financed together
- Specialist trailers — refrigerated, livestock, tankers — specialist panel
- Tax — GST + depreciation + interest deductible (confirm with accountant)
Trailer Types We Finance
From small work trailers to specialist heavy semis.
Box & Curtain Trailers
Standard box and curtain-side trailers for general freight.
- Mainstream lender appetite
- Fast auto-decision platforms
- Used assets accepted
Tippers, Skel & Flat Decks
Civil, construction and bulk haulage trailers.
- Often financed alongside the prime mover
- Industry-experienced lenders best fit
- Stronger pricing on newer assets
Refrigerated Trailers
Reefers and temperature-controlled units.
- Specialist lender panel required
- Service / age history matters
- Often longer term on bigger gear
Trades Trailers
Plant, lawn and tradie trailers — often unbraked or single-axle.
- Smaller ticket, simple finance
- Sometimes wrapped into ute deal
- Auto-decisioning works well
What to Have Ready
- ABN, GST registration if claiming GST upfront
- Asset & liability position
- Bank statements (3–6 months) or BAS for newer ABNs
- Trailer invoice or dealer quote
- Combined deal? — confirm prime mover details too
- Insurance commitment
Frequently Asked Questions
Can I finance a trailer separately from my truck?
Yes. Trailer finance can be a standalone deal or written alongside the prime mover. We typically structure it as a separate facility per asset to keep it clean and to allow swap-outs later.
Do you finance refrigerated and specialist trailers?
Yes. Specialist trailers (reefers, livestock, tankers, hookbins) need a transport-experienced lender. We use specialist panel lenders that price these properly.
How old can the trailer be?
Many lenders accept trailers up to ~15 years old at start of term, sometimes older for well-maintained assets. End-of-term age limits vary — we match the lender to the asset.
Need a trailer financed?
Speak with Jorden about the right specialist lender for your trailer type, age and combo deal.