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Truck & Equipment Finance Truganina.

Fueling the Engine of Melbourne’s Industrial West.

Truganina is the beating heart of Victoria’s logistics and supply chain industry. With the rapid expansion of the Boundary Road and Palmers Road industrial precincts, your business doesn’t have time for slow bank approvals. Whether you are an owner-driver based near Dohertys Road or a fleet manager in the Midwest Business Park, LoanBrix provides specialized truck and equipment finance tailored to the Truganina business community.

At LoanBrix, we understand that a truck isn’t just a vehicle—it’s your livelihood. We help local businesses secure the assets they need to fulfill contracts, expand fleets, and stay competitive in the 3029 postcode.

Types of Finance Available for Truganina Businesses

Choosing the right structure is critical for your cash flow and tax strategy. Here is how we help you compare the most popular options:

Chattel Mortgage

Best For:
Most Small-to-Medium Businesses
Key Advantage: You own the asset from day one and can often claim the GST upfront on your next BAS.

Finance Lease

Best For:
Businesses wanting regular upgrades
Key Advantage: The lender owns the truck, and you lease it. Lower monthly payments help maintain liquidity.

Hire Purchase

Best For:
Long-term ownership
Key Advantage: Flexible deposit options and a guaranteed path to full ownership at the end of the term.

Low-Doc Loans

Best For:
Self-employed Tradies & Startups
Key Advantage: No full tax returns required. Ideal for Truganina contractors who are too busy to chase paperwork.

Equipment We Finance in Truganina

We don’t just stop at Prime Movers. We provide asset finance for the diverse range of industries operating in Melbourne’s West:

  • Transport and Truck Finance: Prime movers, refrigerated trailers, and B-Doubles.

  • Construction: Excavators, skid steers, and earthmoving machinery for new West-side developments.

  • Warehousing: Forklifts, reach trucks, and automated sorting systems for Truganina’s massive distribution hubs.

  • Civil Works: Paving equipment, rollers, and cranes.

Why Choose LoanBrix for Your Truganina Asset Finance?

  • Local Knowledge: We understand the Truganina market and the specific requirements of lenders for businesses operating in industrial zones.

  • Speed to Market: In the logistics world, a missed day is a missed paycheck. We aim for 24–48 hour approvals.

  • Access to 50+ Lenders: We look beyond the “Big Four” to find specialized commercial lenders that actually want to fund trucks and heavy machinery.

  • Mobile Service: We can meet you at your depot in Truganina or handle the entire application digitally so you can stay on the road.

Pro Tip for Truganina Tradies: With the 2026 tax year underway, ask us about current Instant Asset Write-Off eligibility for your next truck or equipment purchase.

The Truganina "Fast-Track" Low-Doc Checklist

Everything you need to get approved without full tax returns.

If you’ve been trading under an ABN for at least 12 months, you likely qualify for a Low-Doc loan. Use this checklist to see if you’re “application-ready”:

  • [ ] Active ABN: Ideally registered for 12–24 months (though we have “New ABN” options for experienced drivers).

  • [ ] GST Registration: Being registered for GST often unlocks lower interest rates and higher borrowing limits.

  • [ ] Identification: A clear copy of your Australian Driver’s Licence (front and back).

  • [ ] Proof of Business Activity: Instead of full financials, we usually only need:

    • The last 3–6 months of business bank statements (showing consistent turnover).

    • Your most recent BAS statement (if applicable).

  • [ ] Asset Details: A formal quote or invoice from the dealer (or private seller) including the VIN, engine number, and build year.

  • [ ] Property Ownership (Optional but Powerful): If you own or are mortgaging a home in Truganina or the surrounding West, many lenders will “Auto-Approve” loans up to $150,000 with even less documentation.

Don’t have a clean credit history?

Don’t write yourself off. While big banks in the city might say no, we work with specialized lenders in the industrial sector who prioritize your equity and work contracts over a credit score. If you have a signed contract for a new run starting out of the Truganina hubs, show us—it’s often the key to getting your deal over the line.

Frequently asked questions (FAQs)

How fast can I get truck finance approved in Truganina?

Time is money in logistics. For most owner-drivers and transport businesses in Melbourne’s West, we can secure pre-approval within 24 hours. If you have your ABN and basic bank statements ready, we can often have the funds settled and the truck on the road in as little as 2 business days.

Do you offer "Low-Doc" loans for new owner-drivers?

Yes. We specialise in helping new operators who have just started their ABN but have a proven work contract (e.g., with a carrier in the Truganina industrial hub). If you have industry experience and a clean credit history, we can often secure finance without years of tax returns.

Can I finance a used truck from a private seller?

Absolutely. While many banks only fund dealer sales, we can organise finance for private sales and auctions. We’ll handle the heavy lifting, including the PPSR (security) checks and inspections, to ensure the asset is clear of debt and ready for work.

What is the best finance structure for a Truganina-based transport business?

For most of our clients, a Chattel Mortgage is the preferred choice because it allows you to claim the GST upfront on your next BAS—providing a massive cash flow boost. However, if you prefer to upgrade your fleet every 3–4 years, a Finance Lease might be a better option. We can help you compare both.

I’m a subbie with bad credit—can I still get a truck loan?

Truganina’s transport industry is tough, and we know things don’t always go to plan. We have access to specialist “second-chance” lenders who look at your current bank conduct and your future contracts rather than just a credit score from five years ago.

Find out how much you can borrow

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54 Lending Partners

We have relationships with all the major financial institutions and are constantly reviewing new and innovative loans to help provide you with the best possible solution.

Five Star Rated

We have over one hundred 5 Star ratings from clients on our Google business profile. We pride ourselves on customer service, and aim always to provide the best possible experience.

MFAA Member Since 2009

To become a member, individuals must meet specific requirements, including professional qualifications, a good character, and holding an Australian Credit Licence (ACL) or being a Credit Representative.

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Get Started

Contact Us now or Book a Time with a broker to start your journey. Have a chat with LoanBrix about your finance needs in person, over the phone or online, whatever works easiest for you.

Loan Options

Discuss your finance needs with LoanBrix and review the most suitable options available. Select your preferred loan.

Apply for a Loan

Your file is submitted to the lender for approval. Regular updates are provided to you throughout the process.

Loan Approval

Your loan is approved! Document signing is arranged and LoanBrix helps coordinate your settlement.

What's Next?

Your loan has settled! Your finance journey continues and the LoanBrix team look forward to working with you both now and in the future.

Your Loan Journey