If you’re looking to purchase, upgrade, or refinance trucks and heavy vehicles for your business, a secured loan can be a practical and efficient solution. Over the years, we’ve advised and assisted many borrowers in Australia with financing for trucks and heavy vehicles—helping them move quickly when opportunities or deadlines arise. Whether you’re managing cash flow gaps, facing an urgent settlement, or simply want to act fast on a time-sensitive deal, understanding how secured lending works can give you the clarity and confidence to move forward. Assess your scenario today.
Why Choose a Secured Loan for Trucks & Heavy Vehicles?
A secured loan is a type of business finance where you use an asset—typically residential or commercial property—as collateral. This security gives lenders confidence, which means you can often access larger loan amounts, more flexible terms, and faster approvals compared to unsecured options.
For business owners in transport, logistics, construction, or earthmoving, trucks and heavy vehicles are essential assets. But acquiring or upgrading them can tie up significant capital. A secured loan allows you to leverage the value in your property to unlock funding—without disrupting your day-to-day cash flow or waiting weeks for a bank decision.
Key Benefits
- Fast access to funds: With Secured Lending, you can secure funding within 24 hours, sometimes even same day settlement, so you don’t miss out on urgent opportunities.
- Larger loan amounts: Because the loan is secured against property, you can often borrow more than with unsecured finance.
- Flexible use: Funds can be used for purchasing new or used trucks and heavy vehicles, refinancing existing loans, or covering related costs like repairs, upgrades, or working capital.
- Competitive rates: Secured business loans typically offer lower interest rates than unsecured options, helping you manage repayments more effectively.
- Short-term solutions: If you only need funding for a few months—perhaps to bridge a cash flow gap or cover a settlement—short-term secured loans can be structured to suit your timeline.
How Secured Lending Works for Trucks & Heavy Vehicles
The process is straightforward. You provide security—usually a residential or commercial property you own. We review your scenario, confirm the property’s value, and structure a loan that meets your needs. There’s no need for lengthy business plans or endless paperwork. Our team coordinates everything, so you can focus on your business.
We’ve facilitated over $500 million in loans for urgent settlement needs, including many for trucks and heavy vehicles. Our experience means we know how to move quickly, even when timelines are tight.
Bridging Loans for Trucks & Heavy Vehicles
Sometimes, you need to act before your existing assets are sold or before other finance comes through. Business bridging loan solutions are designed for these situations. If you’re upgrading your fleet or replacing older vehicles, a bridging loan can provide the funds you need now—using your property as security—while you finalise the sale of your old equipment or wait for other payments to clear.
Bridging loans are especially useful for businesses facing settlement deadlines or time-sensitive opportunities. With Secured Lending, you can arrange a bridging loan for trucks and heavy vehicles with fast approval and funding within 24 hours, so you don’t lose momentum.
Why Work with a Private Lender?
As a Private Lender in Australia, Secured Lending operates nationwide—serving clients in Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. We’re a non-bank commercial lender, which means we’re not bound by the same rigid processes as traditional banks. This allows us to review, structure, and confirm loans quickly, often providing same day settlement for urgent needs.
Private lenders like us focus on practical solutions. We look at the value of your security and the strength of your scenario, not just your credit score or trading history. This approach is especially helpful for business owners who need certainty, speed, and flexibility—whether you’re purchasing a single truck or an entire fleet of heavy vehicles.
Real-World Scenarios: How Secured Loans Solve Business Challenges
- Cash flow gaps: You’ve won a new contract but need to purchase additional trucks to deliver. A secured loan gives you the funds upfront, so you can act now and repay once the contract is underway.
- Settlement deadlines: The seller of a heavy vehicle fleet needs a fast settlement. With a secured business loan, you can meet the deadline and secure the deal.
- Equipment upgrades: Your current vehicles are aging, and repairs are becoming costly. Use a secured loan to upgrade to newer, more efficient models—improving reliability and reducing downtime.
- Refinancing: If you have existing finance on trucks or heavy vehicles at high rates, a secured loan can help you refinance to a more manageable structure.
What Can You Use as Security?
With Secured Lending, you can use residential or commercial property as collateral for your loan. We don’t accept other obscure assets—this keeps the process clear and straightforward. By leveraging property you already own, you can unlock the capital needed for trucks and heavy vehicles without selling assets or disrupting your business.
How We Can Help
Secured Lending has provided strategic lending advice for trucks and heavy vehicles in the past, and we’re ready to help assess your scenario. Our team specialises in urgent short-term loan solutions, including bridging loans, second mortgage, and secured business loans. We review your needs, structure the right solution, and coordinate fast settlement—so you can move quickly and confidently.
Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions such as bridging finance, second mortgages, and caveat loans.
FAQs
1. How quickly can I get funding for trucks and heavy vehicles?
With Secured Lending, you can often receive funding within 24 hours, and in some cases, same day settlement is possible.
2. What can I use as security for my loan?
We accept residential or commercial property as collateral. We do not accept other types of assets.
3. Can I use a secured loan to refinance existing finance on my trucks or heavy vehicles?
Yes, secured business loans can be used to refinance higher-rate loans or consolidate multiple debts related to your vehicles.
4. Do I need a perfect credit history to qualify?
No. As a private lender, we focus on the value of your security and the strength of your scenario, not just your credit score.
5. Are there restrictions on the type or age of trucks and heavy vehicles I can finance?
We’re flexible. Funds can be used for new or used trucks and heavy vehicles, as well as related costs like repairs or upgrades. We review each scenario individually.
