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Crane Truck Finance

Finance your next crane truck with a team that understands commercial equipment.

Buying a crane truck for the first time, replacing an older vehicle or adding another one to your fleet, we'll structure the finance around your business, the truck and the work it needs to do.

TAFS works with businesses across construction, transport, civil works, trades, manufacturing and material handling, with access to more than 80 lenders for new and used crane truck finance.

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Crane Truck Finance

Crane truck finance for Australian businesses

Crane truck finance is commercial asset finance used to purchase a truck fitted with a crane for business purposes.

These vehicles are used by businesses that need to transport materials, equipment or products and load or unload them without relying on separate lifting equipment at every site.

Finance can be used for new or used crane trucks purchased through dealerships, private sellers or auctions.

The options available will depend on the business, the truck, the crane fitted to it, the purchase price and how the vehicle will be used.

TAFS reviews the whole transaction before approaching lenders so the application can be matched with truck finance options suited to the asset and the business.

Blue crane truck in an industrial yard

A crane truck is more than a standard commercial vehicle

Financing a crane truck can involve more than assessing the truck itself.

The chassis, crane, tray or body can all form part of the asset, and lenders may want to understand exactly what is being purchased.

The crane make, lifting capacity, age, condition and installation can matter alongside the truck's age, kilometres, value and remaining working life.

How the truck will be used can also influence the application. A crane truck used for building materials, machinery delivery or civil construction may be assessed differently from one used by a plumbing, electrical or manufacturing business.

The lender can also consider your trading history, industry experience, existing finance commitments and whether the truck is replacing an existing vehicle or adding new capacity.

Our team reviews those details before the application is submitted.

Heavy-duty crane truck in an industrial yard

What crane trucks can be financed?

TAFS can arrange finance across a broad range of crane trucks used in Australian commercial operations. This can include:

  • Tray trucks with mounted cranes
  • Flatbed crane trucks
  • Knuckle boom crane trucks
  • Hiab-style crane trucks
  • Rear-mounted crane trucks
  • Front-mounted crane trucks
  • Rigid crane trucks
  • Heavy-duty crane trucks
  • Building material delivery trucks
  • Machinery transport crane trucks
  • New crane trucks
  • Used crane trucks

We can also help where the truck and crane have been fitted by different suppliers or where you're buying a completed vehicle through a dealer, private seller or auction.

  • 15,000+Assets Financed And Businesses Helped
  • $350M+Total Business Funding
  • 80+Lenders To Compare
  • 30+Years Of Business Experience
  • 93%Client Success Rate

Buying your first crane truck?

For some businesses, a crane truck is the next step after relying on forklifts, subcontractors or customer lifting equipment to load and unload materials.

Owning the vehicle can make the business more flexible by allowing one asset to handle both transport and lifting.

If you're purchasing your first crane truck, lenders may look at more than how long you've owned that type of vehicle. Your existing business history, experience in the industry, current work, credit profile, purchase price and the commercial reason for buying the truck can all help shape the application.

For newer businesses, relevant industry experience and the work available to the business may carry more weight.

TAFS works with lenders that assess commercial vehicles differently, allowing us to look for options that fit the entire deal.

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Adding another crane truck to the fleet?

An additional crane truck can help a business service more jobs, reduce reliance on outside lifting equipment or expand into larger deliveries and projects.

For transport and construction businesses, another truck may also allow multiple crews or sites to be serviced at the same time.

The finance still needs to fit alongside your existing trucks, machinery and other commitments.

We can review your current fleet, existing finance, the crane truck you're purchasing and how the additional vehicle fits into your operation before recommending a structure.

For businesses that regularly purchase trucks and equipment, this broader view can help make future finance planning more straightforward.

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New and used crane truck finance

TAFS can arrange finance for both new and used crane trucks.

A new vehicle generally provides lenders with clear supplier documentation and a long expected working life.

Used crane trucks can vary significantly. A relatively recent truck with a professionally fitted crane and complete service history presents differently from an older vehicle where both the chassis and crane have already completed years of heavy work.

Older crane trucks can still be financeable, but lender selection becomes particularly important where both the truck and lifting equipment have significant age.

Lenders can consider:

  • Truck age
  • Kilometres travelled
  • Truck make and model
  • Crane make and model
  • Crane age
  • Lifting capacity
  • Overall condition
  • Purchase price
  • Body or tray configuration
  • Proposed finance term
  • Expected age of the asset when the loan finishes

Financing a truck with an existing crane fitted

Many crane trucks are purchased as completed vehicles, with the crane already installed.

In these cases, the lender can assess the truck and crane together as one commercial asset.

The documentation needs to make it clear what is included in the purchase.

Our team can help identify what information is likely to be required before the application progresses.

Lenders may want information such as:

  • Truck details
  • Crane specifications
  • Serial numbers
  • Supplier invoice
  • Installation details
  • Purchase price breakdown
  • Photos or inspection information

Financing a truck and crane fit-out

Sometimes the purchase isn't a finished crane truck.

You may be purchasing the truck first and then having a crane, tray or other equipment installed separately.

That can create a more complicated transaction because there may be multiple suppliers and invoices.

Depending on the lender and structure, it may be possible to finance the completed project rather than treating each component as a completely separate purchase.

We can review the truck purchase, crane supply, installation costs and total project value and work out how the transaction can be presented to suitable lenders.

Payload matters when choosing a crane truck

Adding a crane to a truck changes how the vehicle operates.

The crane itself adds weight, which can reduce the remaining payload available for materials, machinery or equipment.

For businesses choosing between trucks, it can be important to understand whether the vehicle will still have enough usable payload once the crane, tray and other equipment are fitted.

From a finance perspective, this can also help explain why a particular truck specification or higher-capacity vehicle is required.

The right asset isn't simply the one with the largest crane. It needs to make sense for the work the business actually performs.

Dealer, private sale and auction purchases

Where you're buying the crane truck can affect the finance process.

Dealer purchase

Dealer purchases generally come with established vehicle and supplier documentation.

Where the truck has already been fitted with its crane and body, the dealer invoice can clearly show what is being purchased.

Private sale

TAFS can arrange finance where you're purchasing a crane truck directly from another business or private owner.

The lender may require additional checks around ownership, vehicle details, crane information and the seller before settlement.

Private sale truck finance →

Auction purchase

Crane trucks regularly come onto the market through commercial truck and equipment auctions.

Auction transactions can move quickly, so it can help to understand your likely finance position before bidding. Final approval will still depend on the vehicle and crane meeting lender requirements.

Auction truck finance →

What lenders look at

There's no single checklist every lender uses when assessing crane truck finance. Depending on the deal, lenders can consider a combination of the following.

Your business

Trading history, turnover, cash flow and existing financial commitments can influence the options available.

Your industry experience

Experience in transport, construction, civil works, trades or another relevant industry can help support the application, particularly for newer businesses.

The asset

The truck's make, model, age, kilometres, condition and purchase price can affect lender appetite. The crane's make, model, age, condition and lifting capacity form part of the same assessment, because the two are financed as one working asset.

The body and fit-out

Lenders may need to understand what equipment is permanently fitted to the truck and how it contributes to the overall asset value.

How it will be used

The lender can consider whether the truck will be used for construction materials, machinery transport, infrastructure work, equipment delivery, trade work or another commercial purpose.

Your credit profile

Personal and business credit history can form part of the assessment.

Common industries using crane trucks

Crane trucks are used across a wide range of industries where transporting and lifting materials are part of the same job. This can include:

  • Building and construction
  • Civil construction
  • Electrical contractors
  • Plumbing and drainage
  • Steel fabrication
  • Roofing and structural work
  • Machinery transport
  • Equipment hire
  • Landscaping
  • Manufacturing
  • Building material suppliers
  • Infrastructure and utilities

The way the vehicle earns revenue can help shape how the finance application is presented.

A crane truck can replace more than one piece of equipment on site

One of the main advantages of a crane truck is that the business can transport a load and handle its own loading or unloading.

That can reduce reliance on forklifts, separate cranes or third-party lifting services at the destination.

For some businesses, that means fewer subcontractor costs.

For others, it means being able to service jobs or locations where lifting equipment isn't readily available.

When reviewing the finance, we look at how the truck fits into the operation rather than treating it as an ordinary road vehicle.

Recent TAFS deal

A recent TAFS crane truck deal

One recent TAFS client was purchasing a 2013 Isuzu crane truck for $181,000.

The vehicle combined transport and lifting capability in one commercial asset, giving the business a truck that could move materials or equipment and handle loading and unloading on site without relying as heavily on separate lifting equipment.

Because the truck and crane form part of the same working asset, lender selection matters. The age and condition of both components, the overall purchase value and how the vehicle will be used can all influence the finance options available.

TAFS reviewed the transaction and matched it with a lender comfortable with the vehicle and its commercial use.

The $181,000 crane truck purchase was settled, giving the client a purpose-built vehicle that could handle both transport and lifting as part of its day-to-day operation.

  • 2013 Isuzu crane truck
  • $181,000 purchase
  • Used commercial vehicle
White Isuzu crane truck at a construction yard
Why TAFS

Why businesses use TAFS for crane truck finance

80+ Lenders

We have access to a broad panel of banks and specialist commercial lenders, giving us more ways to structure transactions involving trucks, cranes and commercial fit-outs.

Internal credit team

Applications are reviewed before they're submitted so the lender receives a clear picture of the business, truck, crane and purpose of the finance.

93% Client success rate

We focus on matching each application with lenders suited to the transaction and presenting the application properly from the start.

Commercial asset finance specialists

Our team works with businesses purchasing trucks, cranes, machinery, trailers and commercial equipment every day. That experience becomes particularly useful when the transaction involves multiple components rather than a standard vehicle purchase.

Trusted lender partners:

Azora Banjo Bizcap Branded Financial Capify CFI Finance Dynamoney Finance One Grenke Judo Bank Lumi MoneyMe
The TAFS Process

How crane truck finance works with TAFS

  • Step 1

    Tell us about the truck

    Send us the truck details, crane specifications, purchase price and some information about your business. If the truck and crane are coming from separate suppliers, let us know what is included in the overall project.

  • Step 2

    We review the application

    Our team looks at the vehicle, crane, business profile, finance requirements and how the asset will be used.

  • Step 3

    We find suitable options

    We compare the application against lenders from our panel and identify options suited to the transaction.

  • Step 4

    We manage approval and settlement

    Once you've selected an option, we work through the lender requirements and documentation to get the purchase settled.

Start Your Application Call 1300 558 758
FAQ

Crane Truck Finance FAQs

We don't just send applications out. We structure them properly from the start.

  • Can you finance a used crane truck?

    Yes. TAFS can arrange finance for used crane trucks across a range of ages and price points. Lenders can consider both the truck and crane, including their age, condition and expected remaining working life.

  • Can I finance an older crane truck?

    Potentially. Older crane trucks can be financed with selected lenders, although the age of both the truck and crane may affect lender appetite and the maximum finance term.

    Used Truck Finance →
  • Can I finance a crane truck with a new ABN?

    Finance may be available for newer businesses. Where the business has limited trading history, lenders may place more emphasis on previous industry experience, credit history, expected work and the vehicle being purchased.

    New ABN Truck Finance →
  • Can a sole trader finance a crane truck?

    Yes. Sole traders can apply for crane truck finance where the vehicle is predominantly being purchased for business use and the application meets lender requirements.

    Sole Trader Truck Finance →
  • Is low-doc crane truck finance available?

    Low-doc options may be available for some businesses. Requirements vary between lenders and can depend on the business's trading history, GST registration, credit profile, asset value and amount being financed.

    Low Doc Truck Finance →
  • Can I finance the crane and truck together?

    Often, yes. Where the crane is already fitted to the vehicle, the completed crane truck can generally be assessed as one commercial asset. Where the truck and crane are being supplied separately, the transaction may require a different structure depending on the lender.

  • Can I finance a crane installation onto a truck I already own?

    Potentially. The structure will depend on the crane, installation cost, existing truck and lender. If you're adding significant equipment to a truck you already own, we can review the complete project and determine what finance options may be available.

  • Can I finance a crane truck purchased privately?

    Yes. TAFS can arrange finance for private-sale crane trucks, although lenders may require additional checks around the seller, ownership, vehicle and crane before settlement.

    Private Sale Truck Finance →
  • Can I finance a crane truck from an auction?

    Yes, subject to lender criteria. It can help to discuss the finance before bidding so you have a clearer idea of your likely position. The lender will still need to approve the final asset.

    Auction Truck Finance →
  • Do I need a deposit?

    Not in every case. Some businesses may be able to finance the full purchase price, while others may benefit from contributing a deposit or trade-in. The appropriate structure will depend on the business and transaction.

  • Can I get approved before I find the crane truck?

    Depending on the lender and your circumstances, an indication or conditional approval may be available before you've selected the final vehicle. The truck and crane will still need to meet lender requirements before settlement.

  • How long can I finance a crane truck for?

    Finance terms depend on the business and asset. The age and expected working life of both the truck and crane can influence the appropriate term, particularly for older vehicles.

  • How quickly can crane truck finance be approved?

    Straightforward applications can move quickly once the required information is available. Applications involving separate truck and crane suppliers, private sales or unusual fit-outs may take longer because additional documentation can be required.

More truck finance options

Truck Finance

Explore finance options across the full TAFS commercial truck finance range.

Prime Mover Finance

Finance for prime movers used across freight, linehaul and heavy transport.

Rigid Truck Finance

Finance for rigid trucks used across freight, delivery and commercial operations.

Tipper Truck Finance

Finance for tipper trucks used in construction, civil, earthmoving and transport businesses.

New Truck Finance

Commercial finance for businesses purchasing new trucks.

Used Truck Finance

Finance for second-hand trucks across a range of ages and commercial applications.

Private Sale Truck Finance

Finance for trucks purchased directly from another business or owner.

Truck Fleet Finance

Finance for businesses adding vehicles, replacing trucks or expanding an existing fleet.

Ready to finance your next crane truck?

Tell us what you're buying and how the truck will be used in your business. 

We'll review the vehicle, crane and overall transaction, then compare suitable finance options across our lender panel.

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