Vehicles

Truck Finance

Truck & Machinery Finance

Geared offers truck & machinery finance solutions for construction businesses looking to purchase or upgrade trucks.

Whether you are looking to invest in a new trailer truck, fleet of refrigerated trucks, flat-bed trailer or livestock truck, Geared can help you with a streamlined finance facility to acquire the vehicles you need to reach your goals.

Our team of experts have in-depth knowledge of the industry and will help you find a tailor-made finance solution designed to fit around the needs of your business. We offer a simple application process with straightforward repayment options, speedy decisions and at competitive rates of interest.

Talk to us to get a quote and assistance with getting a pre-approval in place that you are then free to use whenever you need.

We can finance

Trailer trucks
General transport and Chiller trucks
Livestock trucks
Car Transporter / Car Carrier trailer
Box trucks
Logging trucks & more
*This information is not intended to constitute taxation advice and does not take into account your financial cirucmstances. Refer to your accountant for taxation advice.

Talk to Sales

Get a quote and assistance with getting a pre-approval in place that you are then free to use whenever you need.

Your Finance Needs

AU$
years
Calculator
Your estimated repayment
$48
per fortnight*
* Quotes are an indication of the payment and may change based on credit assessment and lending criteria.
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Procurement Process

Procure

Plan & order your new equipment and sign lease

Deploy

Delivery & payment for your equipment

Manage

Account & report on your ongoing lease portfolio.

Why you should choose Geared Finance?

Geared Finance has over 20 years of experience catering to the needs of businesses across Australia. No matter what industry you are in, we have finance solutions to ensure your vision becomes a reality
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No Financials Required
No Financials Required
Get fast, hassle-free funding without needing to submit detailed financial statements. Ideal for small businesses looking to act quickly.
Competitive Interest Rates
Competitive Interest Rates
Enjoy access to funding with market-leading rates tailored to your business profile, helping you save more while growing your business.
No deposits or bonds
No deposits or bonds
Unlock funding with no upfront deposits or security bonds, giving you the freedom to invest where it matters most—your operations.
No penalty on early payouts
No penalty on early payouts
Repay your loan early without any additional fees or interest. We support your success, not penalize your progress.
Approved within 24 hours
Approved within 24 hours
We usually don’t waste time. Apply today and receive a funding decision within 24 hours—so you can move fast and stay ahead.
No pay at end of term
No pay at end of term
Say goodbye to balloon payments. Our loans are structured with clear, simple terms and no surprises at the end.

Different Finance Options for your ease

Chattel Mortage
Low Rates & Tax Effective
Flexible Terms & Residuals
1-5 year terms
Similar to that of a Home Mortgage, a Chattel Mortgage allows you to buy an asset, which the finance company finances on your behalf.  The financier has a mortgage over the asset until you have paid it off. At the end of the term, the asset is yours and there is nothing more to pay.
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Finance Lease
Competitive leasing rates
Tax Effective
Flexible end of term options
A finance lease can provide the benefits of a Rental in terms of basic treatment of the payments being made, but also provides ownership at the end with payment of the final residual amount. This is a good form of finance for longer life assets that are core to the business – e.g. plant & equipment and vehicles.
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Rental (Operating Lease)
Tax Effective
Flexible Terms
1-5 year terms
A rental is one of the simplest forms of finance where the risks of ownership aren’t generally assumed by the user. Rental allows you to treat the cost of acquiring a piece of equipment as an ongoing expense. The GST is claimed on each payment as they are made and at the end of the term, there are options that include the ability to upgrade, return the equipment or make an offer to purchase the assets.
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Want to know more?

Our team of experts have in-depth knowledge of the industry and will help you find a tailor-made finance solution designed to fit the needs of your business. Whatever your industry, let us help grow your business today!

Ready to apply?

You can make an application for finance with us that does not commit you to proceed with a facility in any way. This is a no-obligation assessment with a view of reaching a potential pre-approval that you are then free to choose to use should you wish.

Don’t take our word for it! Hear it from our customers.

Sodexo
We have been working with Geared Finance for the past 4 years and always found their service attentive and prompt. Geared provides a high level of customer service and works with us to create bespoke solutions that suit our business. They are always professional, supportive, and ready to assist.
Sandra Giannakopoulos
Sandra Giannakopoulos
•
Sodexo
Sandra Giannakopoulos
•
Sodexo
Sandra Giannakopoulos
Otimo Coffee
Larnce
Larnce
•
Otimo Coffee
Larnce
•
Otimo Coffee
Larnce
Fabulous Catering
Geared Finance has supported our business in many ways. From equipment and solar to software and vehicles, they offer solutions across the board. With competitive rates and fast service, they provide advice and experience that help our business grow. We’re proud to be a loyal client of Geared Finance.
Adam Pope
Adam Pope
•
Fabulous Catering
Adam Pope
•
Fabulous Catering
Adam Pope
Alphington Grammar School
Geared Asset Finance has financed our school’s IT equipment over the years. As a school, we need flexibility and an understanding of financial cycles, which they provide. Their support and service are reliable, and we’ve always felt confident working with them. We highly recommend them to others.
Manuel Pappos
Manuel Pappos
•
Alphington Grammar School
Manuel Pappos
•
Alphington Grammar School
Manuel Pappos
Geelong Collision Care
The team at Geared Asset Finance has been phenomenal. They handle our business finances from start to finish and are always available to help. Their long-term support has made a real difference to us. We’ve trusted them for years, and we’re sure we’ll continue to work with them well into the future.
Mark Clarke
Mark Clarke
•
Geelong Collision Care
Mark Clarke
•
Geelong Collision Care
Mark Clarke
Stomping Ground Brewing Co.
I have been working with Geared Finance for over 10 years. During this time, they have helped us with our equipment finance needs and have been a pleasure to deal with. The team is responsive, fast, and easy to work with. They go above and beyond, even liaising with suppliers to streamline the process.
Guy Greenstone
Guy Greenstone
•
Stomping Ground Brewing Co.
Guy Greenstone
•
Stomping Ground Brewing Co.
Guy Greenstone