Compare Rates Lenders Options
with the Experts
in Tipping Trailer Finance
Complete our Simple Quick Assessment Form and let us go to work on finding the best Finance Deal on your New or Tipping Trailer.
With over 20 years experience and thousands of deals done, we are on your side to get the best possible rate on a Tipping Trailer.
Our Trusted Finance Partners
Tipping Trailer Finance
Don't Get Dumped With a Bad Deal: The Pro’s Guide To Tipping Trailer Finance
We specialise in providing tailored Finance solutions for Tipping Trailers used by Transport Operators across Australia, including those working in civil works, bulk haulage and grain cartage. Prime Mover and Semi-Trailer combinations represent a major capital investment and are critical to an operator’s earning capacity. We understand how important it is to get the Finance structure right from the outset, and we treat your investment with the level of care and attention it deserves.
Our Commercial Truck and Tipping Trailer Finance packages are designed to improve cash flow, reduce Finance costs and support business growth. We offer a range of flexible funding option and structure each deal to suite your income cycles, contract lengths and operational requirements. With access to a broad network of Australian Lenders, we work hard to secure competitive interest rates and terms that help maximise profitability over the life of the asset.
We also recognise that Transport Operators have demanding schedules and limited time to manage complex finance applications. Our specialist team manages the entire funding process on your behalf - from lender selection and negotiations through to approval and settlement - delivering a smooth, efficient experience while you remain focused on operating your business and generating revenue.
Compare Lenders Now
Apply Now for Online Pre-Approval up to $500K without affecting your credit score.
HELPFUL TIPS
Example Funding Scenario
- Customer requesting Finance for a Tipping Trailer for work on Civil Construction sites throughout Metropolitan Sydney.
- No Doc Assessment required.
- Purchase Price – $155,000 (gst inc)
- Financials available - No
- Self employed - 6 years
- Equity into deal - No
- Director credit score - Goo
Outcome
- Customer obtained Pre-Approval Online using our quick assesment form.
- Given clients profile of long term self employed and good credit score we could assess under our No Doc Policy mitgating the need for financials or bank statements.
- Unconditional Approval issued within 48 hours for the full $155,000 (gst inc).
- Client was eligible for discounted rate given 6 years self-employed.
- Strong customer profile meant client was system approved for a lending limit up to $500K which gave them funding options to acquire even more Capital Equipment Assets.
- .Customer feedback was incredibly positive as they had finally found a Finance Company that delivered above and beyond expectations.
Customer Reviews
Our customers say it best. Find out what it's like dealing with the Experts in Truck Finance. You could be the next success story.
Nathan you are fantastic to deal with. Always prompt with deals never a hiccup. After 8 truck deals will never use another broker. Keep up the great work you make my life stress free.
TH
Tracey Hall
Scone Equine Transport Pty Ltd
I have been dealing Heavy Vehicle Finance since 2014 and have found them be nothing short of amazing.They have funded various trucks and trailers for me over the years and its a fantastic feeling to know that I still have the same account manager after all of these years of business.It is very good to know that a finance approval is only a phone call away.
CW
Colin Wallace
Palanquin Pty Ltd
I have used the team at Heavy Vehicle Finance twice now for our financing needs for prime movers and side tippers. A Great team to work with and very prompt and professional. We will use again in the future.
JC
James Coustley
JJC Civil
I have used Nathan and his team for multiple purchases for our earthmoving company and Nathan has gone above and beyond to help us with expanding our business. I couldn’t recommend Nathan more highly.
SW
Sam Wood
Sureflo Plumbing & Roofing Contractors Pty Ltd
We used Heavy Vehicle Finance for the purchase of our Truck. They went above and beyond for us and made sure that the process was as stress-free as possible. The entire interaction was nothing short of amazing. We will definitely be using them again in the future.
MM
Meagan McNicholl
Next Gen Transport Pty Ltd
Can’t thank Nathan enough for how fast and professional he was with organising my finance for my new truck. He was straight to the point with no stuffing around. Highly recommended
TH
Tim Hartas
Hartrax Contracting Pty Ltd
Tipping Trailer Finance Calculator
Looking to buy a New or Used Tipping Trailer? Try our Simple Tipping Trailer Loan Calculator to estimate your weekly payments and take the guesswork out of your next Tipping Trailer purchase.
Tipping Trailer Finance Questions
To help you through the process, below are answers to some of the most commonly asked questions surrounding Tipping Trailer Finance. If you need more information or personalised support, feel free to reach out — we're here to help.
- We are a niche financier of Tipping Trailer Finance and can source funding from both mainstream and private funders giving our customers access to capital like never before.
- We WILL NOT sell your information to other brokers or third parties.
- Our turnaround times are often quicker than the large financial institutions. Major banks often have complex staffing or departmental structures that could result in your application going through too many sets of hands before your approval is given or settlement occurs.
- Given that we only offer Truck and Heavy Equipment Finance, our team has extensive knowledge of Equipment Loans and all types of Trucks and Heavy Machinery. This means we can get our head around your proposal better than other lenders, that might only have expertise in Home Loans, Commercial Property Loans, Personal Loans or Car Loans.
- Our customers are assigned a dedicated Relationship Manager whereby they can directly talk to the person handling their application. Accessing the right person at a larger financial institution can be very difficult.
- The approval process is very streamlined, as customers can obtain Pre-Approval up to $500K within a few seconds. Unconditional approval is given within 24-48 hours and settlements can occur the day after given our simplified documentation process.
- Our policies surrounding Tipping Trailer Finance are more fluid than a major bank. Banks need to meet specific regulations as governed by APRA, which means the information they need from clients may result in a declined decision. Non APRA regulation means that we can offer our clients No Doc Truck Finance up to $500K and Low Doc Truck Finance up to $1M.
- Current rates start at 6.39% but may vary depending on the age of the Tipping Trailer being purchased and the credit score of the applicant.
- Customers can use the finance calculator on our web site in order to obtain an approx payment based on the purchase price and age of the Tipping Trailer.
- Our business has been built on repeat customers and customer referrals over the last 20 years – so it is very important that we provide the best possible market rate whenever we issue a finance approval.
- Our client inputs their information into the easy to complete form on the QUICK ASSESSMENT section of our website. Then a quick calculation is undertaken on the submitted data, with a Pre-Approval given within a few seconds.
- No formal credit search is undertaken for Pre-Approvals up to $500K which means our applicants credit score is unaffected.
- If the applicant is successful, they will receive either an email or a phone call indicating what is required for both unconditional approval and settlement.
- Pre-Approval up to $500K is given within seconds.
- Unconditional approval takes 24 – 48 hours after we receive the required information (such as a signed privacy form and income verification if required).
- Settlement can be achieved the day after unconditional approval if the Tipping Trailer is being purchased through a licenced Tipping Trailer dealer. Otherwise, a private sale can take a bit longer, given the additional paperwork we need to obtain from the vendor.
- No Doc Tipping Trailer Loans DO NOT require company financial statements / personal tax returns / bank statements / business activity statements.
- Low Doc Tipping Trailer Loans might have a requirement for business account bank statements or business activity statements.
- Our No Doc and Low Doc Tipping Trailer Loans gives our customers access to quick and easy Tipping Trailer Funding without the need to provide mountains of financial documents.
- Assuming the loan amount is less than $500K, providing financials will not dramatically improve funding options compared to our Low Doc or No Doc products.
- We typically only request financials when the loan amount will exceed $500K.
- Over the years there has been a shift away from customers needing to provide financials with more focus on key indicators such as time in business / credit scores / commercial credit history.
- We finance all types of Tipping Trailer with endless configurations as long as the vehicle has a VIN number, engine number and registration number.
- Under our No Doc or Low Doc policy we primarily fund Tipping Trailer no older than 25 years old at the end of term. This means if the Tipping Trailer Loan is over a 5 year term, the Tipping Trailer can be no older than 20 years old at the time of purchase. If the truck is older than 20 years old at the time of purchase, we can shorten the loan term to make it fit within policy.
- If the Tipping Trailer is older than 25 years at end of term, we can still assess on a case-by-case basis. We might however require bank statements on the business account or accountant prepared financials to verify income.
- Our clients can purchase a Tipping Trailer from dealers, auctioneers or private vendors.
- On most occasions, we will not require a formal valuation on the Tipping Trailer if it is sold by a private vendor – thus saving our customers up to $1,000 on a professional valuers fee.
- Dealer and auction sales are the quickest way to settlement. However, private sales can take longer, given that we need to obtain additional documentation from a private vendor to confirm ownership of the Tipping Trailer and to ensure the funds are being allocated to the legal owner.
- Most of our Truck Finance facilities are Chattel Mortgages. However, we can provide Finance Leases or Commercial Hire Purchases. All facilities work differently given tax treatments and varying business structures. We encourage our clients to confirm with their accountant which facility will best suit their business.
- Our policy is very flexible, which means we can write into the loan contract that a one-off payment is applied to the loan contract within 6 months of the drawdown date. This can be done via the gst received on the new Tipping Trailer purchase or from the sale proceeds of a current Truck within the fleet.
- Structured payments achieve lower payments for the customer and provides them with the flexibility of selling their Tipping Trailer privately without loosing too much asset value under a trade in.
- We can also be creative on the balloon payments applied to our loan contracts, depending on the Tipping Trailer's age, the type of work the Tipping Trailer will be doing and the projected amount of KM's it will travel. However, we can apply balloons from 10% to 40% - subject to the client's needs and whether we need to consider a higher or lower balloon payment to make the deal fit within our policy matrix.
- A balloon payment can be applied to a loan contract in order to reduce overall monthly payments and effectively maximise cash flow for a business.
- Typically a balloon payment can only be applied to a Tipping Trailer that is no older than 5 years old at time of purchase - however we can consider balloon payments of assets older than 5 years on a case by case basis.
- Balloon payments can be between 10% and 40% depending on the age of the Tipping Trailer or the intended usage of the Tipping Trailer.
- Options for the client with contracts that have balloon payments are to either payout using own funds at the end of the term, refinance the balloon with a separate loan at the end of the term or to payout the balloon from proceeds derived when the Tipping Trailer is traded at the dealership.
- Our flexible policy matrix provides our customers access to a wide range of funding options which often means we do not require financial statements.
- No Doc Tipping Trailer Finance up to $500K (no bank statements and no financials).
- Low Doc Tipping Trailer Finance up to $1M (BAS and tax portal).
- Full Doc Tipping Trailer Finance above $1M (accountant prepared financials and personal tax returns for the directors).
- Typically, we do not require financial statements for loans up to $500K – it is only on the bigger transactions that BAS or Accountant prepared financials are required - given a higher credit risk based on the purchase price.
- We can offer Tipping Trailer Finance for new start businesses—no deposit required for loan amounts up to $175K. A deposit will be required if the purchase is greater than $175K (typically 10% to 20%).
- We need to see a work source letter or work contract confirming our clients has ongoing work.
- We also require confirmation our customer has funds in the bank to cover running costs for the first 3 months (must be genuine savings).
- Heavy Vehicle Finance is located in Brisbane – however we have clients Australia Wide. Once a broader relationship has been nurtured, the relevant Relationship Manager will organise an interstate visit to further understand the client's business and ongoing funding requirements.
- We can successfully negotiate with clients Australia Wide given the fact our approval process is online and we issue documents via email or DocuSign. Customers of Heavy Vehicle Finance can also call our office number or their dedicated Relationship Manager's mobile number at any time.
- In addition to funding Tipping Trailers, we also provide Finance for all types of Heavy Equipment used in Heavy Industry. The only requirement is that the Asset we finance has identifiers and is used for business purposes.
- As we only specialise in Truck and Heavy Equipment Finance we DO NOT provide Loans such as Personal Loans, Home Loans or Recreational Vehicle Loans.
HELPFUL TIPS
What To Consider When Financing a Tipping Trailer?
- New Start BusinessMost financiers require a 20% deposit, however we offer “No Deposit Tipping Trailer Finance” options for both new starts and existing businesses.
- No Income Verification Required - Typically Case By Case
- Applicant has had ABN for > 1 - 2 years.
- When credit references are available.
- Loan amounts up to $500K.
- Replacement commitments.
- Low Doc and No Doc FinanceThese type of loans are a more progressive way of financing Tipping Trailers and Heavy Equipment. Less paperwork simplifies the process at no additional cost to customers.
- The Best Finance RatesFor Tipping Trailers that are no older than 5 years old at time of purchase. Older Trailers will incur a rate uplift given the increased risk of an older asset.
- Better Finance OptionsTo applicants who have been long term trading in the same industry and have above average credit scores.
- Dealer TransactionsInvolve less paperwork and settle quicker than if the Tipping Trailer is purchased from a private vendor. A greater level of due diligence is required when assets are sold by private vendors.
- Big Bank AlterrnativesOf recent times, various companies have emerged that specialise in Trailer Finance that offer really strong competition to traditional mainstream funders.
- Risk Profile FundingTipping Trailers and Heavy Equipment Finance involves more risk compared to other forms of finance. A number of different risk factors need to be considered for a customised finance package. Therefore, finance quotations are estimates only until the risk profile of the application and the asset has been assessed in full.
Our Process
How Does the Process Work When Financing A Tipping Trailer?
- Step 1Client inputs details into our online quick assessment form to receive an answer for Pre-Approval within a few seconds.
- Step 2Client is assigned a dedicated Relationship Manager who previews the information submitted online in order to ascertain what information is required for formal approval.
- Step 3One of our expert Finance Consultants will request identification documents from the customer and income verification if required.
- Step 4Application is loaded into our system for unconditional approval - formal approval typically takes 24 to 48 hours.
- Step 5All approval conditions and funding options are presented to client for consideration / acceptance.
- Step 6Application is then referred to the settlements department who will request an invoice from the supplier and undertake a full due diligence process on the vendor and the asset being purchased. This is completed prior to documentation ensuring our customer is protected at all times.
- Step 7Documents sent to client for signing via DocuSign and payment made to the vendor. This simple process facilitates quick settlements, allowing our customers to take ownership of their Tipping Trailer or Equipment when time is critical.
We Make Tipping Trailer Finance Quick and Easy for Owner Drivers and Fleet Operators – Australia Wide.
Start Now and complete our Quick Assessment Form to obtain a Pre-Approval up to $500K – decision within a few seconds.
Alternatively, you can call one of our Finance Consultants to discuss your funding scenario.
Tipping Trailer Specialists
We Finance All Types Of Tipping Trailers
Below is a list of some of the makes of Tipping Trailers we have financed:
Why Us?
Unlock the Benefits of Heavy Vehicle Finance for Tipping Trailer Loan
- Semi Trailer Finance backed by 20 Years Industry Experience. Tipping Trailer Finance that will work for you.
- Quick, Easy and Obligation Free. Tipping Trailer Finance Pre-Approvals up $500K.
- We deal with Owner Drivers and Fleet Operators Australia Wide. We will help you save thousands on your next Tipping Trailer Loan.
- We're trusted across the Transport Industry as a leading provider of Tipping Trailer Finance. Our applicants receive funding options tailored to their business needs, delivered efficiently by experts who understand Tipping Trailer and the Freight Industry.
- Typically No Financials are required for loans up to $500K and our unconditional approvals take only 24 hours.
- Our flexible policy matrix will give you greater access to capital—so you can secure the Tipping Trailer and Heavy Equipment you need to grow your business faster and with more confidence.
- Our customers are assigned a dedicated Relationship Manager to help guide them through the process from start to finish.
Let us Finance
the Road to Your
Future
Complete our Simple Quick Assessment Form and let us go to work on finding the best Finance Deal on your New or Used Tipping Trailer.
With over 20 years experience and thousands of deals done, we are on your side to get the best possible rate.
Tipping Trailer Finance News
Explore the latest trends, tips, and insights in the Tipping Trailer and Heavy Machinery Industries. Get the inside knowledge.
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