Truck Loans

Absolutely. We understand that used vehicles and equipment often represent excellent value for Australian businesses, particularly for sole traders and smaller operators. We finance used assets up to 15 years old, depending on the asset type and condition. For transport and logistics businesses, we commonly finance used trucks, trailers, and delivery vehicles that have proven reliability records. Our team conducts thorough assessments of used assets to ensure they meet our lending criteria and will continue to serve your business effectively. The application process for used equipment remains the same as new assets, with settlement typically occurring within 5 business days.

The documentation requirements depend on your business structure and the finance amount you're seeking. For most applications, you'll need to provide recent business activity statements, profit and loss statements, and bank statements covering the past three to six months. If you're a company, we'll require company registration details and director identification. Sole traders need to provide personal identification and ABN registration. For larger finance amounts above $150,000, we may request additional documentation such as audited financial statements or business tax returns. Our team will provide you with a specific checklist based on your circumstances to ensure your application progresses smoothly.

Certainly. Many of our transport, logistics, and construction clients benefit from multi-asset finance facilities that allow them to acquire several vehicles or pieces of equipment under a single agreement. This approach offers several advantages including reduced paperwork, consolidated repayments, and often more favourable terms due to the larger facility size. You can add new assets to the facility as your business grows, subject to our standard approval process. This is particularly valuable for courier companies expanding their fleets or contractors adding specialised equipment. We can structure these facilities with flexible drawdown arrangements, so you're not paying interest on funds until you actually use them to acquire assets.

Yes, Secure Me Finance provides services to businesses across all Australian states and territories, recognising that quality businesses requiring equipment finance operate throughout the nation. Our Australia-wide service ensures that location doesn't limit your access to appropriate business finance solutions. We have established relationships with equipment dealers, suppliers, and service providers across the country, enabling us to support your finance needs regardless of where your business operates. Our team understands the varying business conditions and requirements across different regions and industries throughout Australia. Whether you're operating in major metropolitan areas or regional locations, we structure our services to accommodate different business environments and local market conditions. This national approach means you receive consistent professional service and access to our full range of finance products, ensuring your business can access necessary equipment and vehicles wherever you're located.

Interest rates for business equipment finance vary based on several factors including your business's credit history, the type and age of equipment being financed, loan amount, and repayment term. Rates in the Australian market currently range from approximately 6% to 15% per annum, with established businesses typically accessing more favourable rates. Additional fees may include application fees, valuation costs, and documentation fees, which we clearly outline before you commit to any agreement. We believe in transparent pricing and ensure you understand all costs involved in your finance package. Our team works to secure the most suitable terms for your specific circumstances, considering both the immediate cost and long-term value of the financing arrangement. We also explain how different loan structures might affect your overall costs, helping you make informed decisions about your business finance.

Secure Me Finance specialises in providing tailored financing solutions for Australian business owners who depend on vehicles and equipment for their operations. We offer asset finance for trucks, vans, trailers, forklifts, excavators, and other commercial equipment essential to your business success. Our financing options include hire purchase agreements, operating leases, and novated leases. Whether you're a courier driver needing a new delivery van, a contractor requiring construction equipment, or a transport company expanding your fleet, we structure finance packages that align with your cash flow requirements and business objectives.

Secure Me Finance specialises in providing comprehensive finance solutions tailored specifically for Australian businesses that depend on vehicles and equipment to operate effectively. Our services include equipment finance, vehicle loans, asset refinancing, and working capital solutions. We understand that your business success relies heavily on having access to reliable vehicles and equipment, which is why we focus on securing finance that keeps your operations running smoothly. Whether you need to purchase new machinery, upgrade your vehicle fleet, or refinance existing assets to improve cash flow, our team works closely with you to structure finance packages that align with your business objectives and cash flow requirements.

Business circumstances can change unexpectedly, and we understand the challenges Australian business owners face. If you experience financial difficulties, the most important step is to contact us immediately to discuss your situation. We can often restructure payment terms, arrange temporary payment holidays, or modify the loan structure to help you through challenging periods. For growing businesses that want to upgrade equipment early, we offer refinancing options that can incorporate new assets while consolidating existing debts. Our relationship with clients extends throughout the entire finance term, and we're committed to finding practical solutions that keep your business operating when circumstances change.

The approval timeframe for business finance applications varies depending on the complexity of your request and the completeness of your documentation. For straightforward applications with all required documents provided, we often provide preliminary approval within 24 to 48 hours. More complex applications or those requiring additional verification may take several business days. Once approved, the settlement process typically takes between three to seven business days, depending on the type of finance and any additional requirements. We prioritise efficiency because we understand that business opportunities often have time constraints. Our experienced team works diligently to process applications promptly whilst ensuring all necessary checks are completed thoroughly. We maintain regular communication throughout the process, keeping you informed of progress and any additional requirements.

Yes, Secure Me Finance provides financing solutions for both new and used equipment and vehicles, recognising that pre-owned assets often represent excellent value for businesses. Used equipment finance can be particularly beneficial for businesses looking to expand their capabilities whilst managing costs effectively. We work with reputable dealers and can also finance private sales, subject to appropriate inspections and valuations. The age and condition of the equipment influence the loan terms, with newer used equipment typically attracting more favourable conditions. Our team assesses each application individually, considering factors such as the equipment's remaining useful life, maintenance history, and market value. This flexible approach ensures that businesses can access quality equipment regardless of whether they prefer new or used assets, supporting their operational needs and budget constraints.