Industry
Finance for Transport & Logistics
Transport businesses carry heavy assets, thin margins and long payment terms. That combination creates two recurring needs: finance for trucks, trailers and fleet growth, and working capital to bridge the gap between doing the work and getting paid. Finstead arranges both, and acts for you rather than the lender.
What finance suits transport & logistics businesses?
Vehicle Finance: Trucks, prime movers, trailers and light commercial vehicles, usually secured against the vehicle itself.
Equipment Finance: Forklifts, refrigeration units and other plant that supports the operation.
Invoice Finance: Releases cash tied up in invoices when customers pay on 30 to 60 day terms.
ATO Debt Refinance: Clears tax debt that has built up through fuel, wages and payment timing.
Situations we commonly see
- A start-up operator with years of industry experience but no trading history of their own
- Fleet expansion that stalled because the bank wanted property security
- Customers paying slowly while fuel, wages and finance repayments fall due on time
- ATO debt after a lean period, with a payment plan that was refused or has lapsed
Frequently asked questions
Often, yes, though many lenders will not consider start-ups. Lenders that do tend to weigh the owner's industry experience and the deposit. Finstead has placed a start-up truck and trailer deal with a bank.
General information only, not financial advice. Lender criteria vary and approval is at the lender's discretion. Finstead is a broker, not a lender.
Settled in this industry
Proof, not promises
Recent transport & logistics deals arranged by Finstead.
A$500k-600k
Transport
Arranged an unsecured refinance to clear the ATO debt in six days.
A$200k-250k
Transport
Settled finance for a truck and trailer combination for a start-up transport business with a bank in 12 days.