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From $5,000 up to $250,000+ depending on trailer type and business profile
1 to 7 year terms with optional balloons/residuals
Same-day approvals possible for eligible applications
Finance trailers from dealers, auctions or private sellers
Chattel mortgage, hire purchase, finance lease available
Finance refrigerated units, shelving, hydraulic lifts or branding
Provide your business details, trailer type and budget.
Our Lender Match tool compares loan structures and rates side-by-side.
Submit ID, ABN/GST details and recent bank statements (financials for larger facilities).
We arrange settlement so you can pick up or deploy your trailer faster.
Trailer finance helps Australian businesses secure essential haulage equipment without depleting working capital. Structures include chattel mortgage (ownership from day one), hire purchase (ownership transfers at end), and finance lease (use during the term, with a residual). Loan size and pricing depend on business turnover, credit profile and trailer type—whether it’s a flatbed, refrigerated, livestock or enclosed unit. Many lenders allow balloons to keep repayments affordable while aligning costs with the trailer’s useful life. Trailer finance is widely used across logistics, construction, agriculture and mobile services.
This guide is broken down into sections. Click below to skip ahead.
Choose a structure aligned to ownership, tax treatment and cash flow:
A secured loan where you own the asset from day one while the lender holds a mortgage over it as security. Perfect for business equipment, vehicles, and machinery purchases.
Established businesses looking to purchase equipment, vehicles, or machinery with immediate ownership and maximum tax benefits.
A financing arrangement where you hire the asset with an obligation to purchase it at the end of the term. Combines the benefits of gradual ownership with manageable monthly payments.
Businesses that want eventual ownership of assets but need to spread the cost over time, particularly suitable for essential equipment with long useful life.
A lease agreement where you use the asset throughout the lease term with the option to purchase it at the end. Ideal for businesses wanting to preserve cash flow while accessing essential equipment.
Growing businesses that need equipment access without large capital outlay, or companies wanting to preserve cash flow for operations.
A rental agreement for business equipment where you use the asset for a set period without ownership obligations. Perfect for equipment that becomes obsolete quickly or seasonal business needs.
Businesses needing short-term equipment access, companies in rapidly evolving industries, or those wanting predictable operating expenses without ownership risks.
Trailers support industries across Australia—from farms to freight. Finance can cover many use cases:
Flatbed and enclosed trailers for freight, distribution and courier businesses.
Haul heavy machinery, tools and building materials between sites.
Livestock, crop and machinery trailers designed for rugged rural use.
Transport staging, AV gear and displays between venues with secure enclosed trailers.
Finance custom-built trailers for food trucks, coffee vans or pop-up shops.
Specialised trailers for transporting waste, recyclables or heavy bins.
Bill H, Harrison Farms
Industry: Agriculture
Challenge: Needed a livestock trailer upgrade without heavy upfront costs.
Solution: Chattel mortgage, 60-month term with 25% balloon aligned to resale value.
A Queensland cattle farmer financed a new livestock trailer through Emu Money. The balloon structure kept monthly repayments low while allowing working capital to be directed towards feed and farm operations. The balloon is expected to be largely offset by the trailer’s resale value at term end.
Typical facility sizes range from $5,000 to $250,000+ depending on trailer type and business profile. Many lenders finance up to 100% of purchase price for new trailers (including fit-outs), while older or specialised units may attract lower LVRs and shorter terms. Pricing depends on turnover, stability and credit health.
Balance over time
Eligibility focuses on serviceability and trailer suitability. Newer and well-maintained trailers usually qualify for sharper pricing. Strong cash flow, stable turnover and clean credit improve approval odds.
You may be eligible if you are:
An Australian business with an active ABN (GST preferred for larger limits)
Over 18 years old
Trading for at least 6–12 months (start-ups considered case-by-case)
Minimum monthly turnover of $5,000–$10,000
Purchasing an eligible trailer (flatbed, enclosed, refrigerated, livestock, utility)
Apply online in minutes and upload documents. We compare multiple lenders and coordinate settlement so your trailer is ready for use quickly.
Documents you may need:
ABN and GST details
Photo ID (licence or passport)
Business bank statements (3–6 months)
Tax returns/BAS for larger limits
Trailer details (VIN, invoice, or quote)
Compare loan structures as well as rates—chattel mortgage vs lease vs hire purchase can change repayments and tax outcomes. Balloons/residuals can lower monthly repayments but should align with expected resale value. Bundle accessories or modifications (hydraulic lifts, refrigeration units, branding) at settlement to finance them at the same rate. Newer trailers usually attract sharper pricing, while avoiding unnecessary add-ons reduces long-term costs.
Example: Balloon impact — $40,000 over 60 months at 8.49% p.a.:
Balloon | Approx. Monthly Repayment | Notes |
---|---|---|
$0 | $822 | Highest monthly cost |
10% ($4,000) | $740 | Lower monthly cost |
20% ($8,000) | $658 | Balanced cost vs cash flow |
30% ($12,000) | $576 | Lowest monthly cost; resale expected to cover balloon |
Trailer finance can be tailored to match ownership goals, repayment style and upgrade cycles. Key options include:
Most trailer loans are secured against the trailer itself, reducing risk and interest rates. Unsecured loans exist but with higher costs.
Lower monthly costs by deferring a lump sum to the end—payout, refinance, or trade-in when due.
Fixed rates give budgeting certainty. Variable rates may save money if market rates fall, but add risk if they rise.
Some lenders allow early payout or extra repayments; others charge fees. Check before signing if upgrades are planned.
Custom features like refrigeration, shelving, or hydraulic lifts can often be financed alongside the trailer itself.
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All enquires answered in a prompt and professional manner. Easy company to deal with. Highly recommend.
Elaine G.
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I had Baron as my broker for a car loan, and the entire process was incredibly smooth and straightforward. All I had to do was answer a few questions and provide the necessary documents — Baron handled the rest. Before I knew it, I was finalizing the paperwork for my new car. Highly recommend — really appreciate all your help, Baron!
Donna C.
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Brad and the team at Emu money are fantastic. Highly recommend.
Liam H.
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I was so lucky to have had Evette as my broker through emu money, from the very first phone call Evette was amazing, so prompt and professional keeping me updated on the whole process of the application for finance for my new car, I highly recommend Evette!!!
Kaila B.
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I had an outstanding experience working with Eugin to get my car finance sorted! From the very beginning, Eugin was professional, knowledgeable, and incredibly helpful. He made what can often be a complicated process feel smooth and stress-free. His attention to detail ensured everything was handled efficiently, and he guided me through each step with clear explanations. Thanks to Eugin's support, I secured the financing I needed to buy my car, and I couldn't be happier. If you're looking for someone reliable and dedicated to help you with car finance, I highly recommend Eugin at Emu money. He truly goes above and beyond!
Pabasara G.
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I couldn't be happier with the service I received! Robyn made the whole car finance process so simple and stress free. She explained everything clearly, kept me updated the whole way through, and went above and beyond to find me the best deal. I honestly didn't think it would be this smooth, but she took care of all the hard work and I was in my new car before I knew it. Highly recommend to anyone looking for finance.
harry b.
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