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Tipper Truck Finance

Finance your next tipper with a team that understands commercial equipment.

Buying your first tipper, replacing an older truck or adding another vehicle to keep up with work, we'll build the finance around your business and the truck you're buying.

TAFS works with businesses across construction, civil works, earthmoving, landscaping, demolition, quarrying and transport, with access to more than 80 lenders for new and used tipper truck finance.

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Tipper Truck Finance

Tipper truck finance for Australian businesses

Tipper truck finance is commercial asset finance used to purchase a tipper for business purposes.

It can be used by owner-operators, contractors and established businesses purchasing vehicles for cartage, site work, excavation, landscaping, roadworks and other commercial applications.

The finance available will depend on your business, the tipper you're purchasing, its age and condition, the purchase price and how the truck will be used.

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

White Isuzu tipper truck in an industrial yard

Financing a tipper is about more than the truck itself

A tipper is a working asset, and lenders can look at both the truck and the type of work it's expected to perform.

A tipper operating on metro construction sites can present differently to one regularly carrying quarry material, working on civil projects or travelling long distances between jobs.

The truck's age, kilometres, configuration, condition, body and expected working life can all affect lender appetite.

Your business matters too. Lenders can consider trading history, industry experience, existing equipment and vehicle finance, cash flow, current contracts and how the additional truck is expected to contribute to the operation.

For an established civil or earthmoving business, the application may be supported by an existing fleet, ongoing work and a strong trading history.

For a newer operator, previous industry experience, confirmed work and the amount being contributed towards the purchase can become more important.

Our team works through those details before the application goes to a lender.

Close-up of a white heavy-duty tipper truck

What tipper trucks can be financed?

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

  • Rigid tipper trucks
  • Single-axle tippers
  • Bogie-drive tippers
  • Tandem-drive tippers
  • Heavy-duty tippers
  • Quarry and earthmoving tippers
  • Construction and civil tippers
  • Landscaping tippers
  • Tipper and dog combinations
  • New tipper trucks
  • Used tipper trucks

We can also help when the truck is being purchased through a dealership, 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 tipper truck?

Moving from operating machinery or working for another contractor into owning your own tipper can be a major step.

You may already have years of experience in civil works, earthmoving, landscaping, construction or transport without having the same length of trading history under your own business.

In that situation, business age isn't necessarily the only part of the application lenders can consider.

Your previous industry experience, credit profile, expected work, purchase price, deposit and the tipper you're buying can all contribute to the finance assessment.

TAFS works with a broad panel of lenders with different commercial asset policies, allowing us to assess which lenders may suit the application rather than sending every deal through the same pathway.

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Adding another tipper to the fleet?

An additional tipper can create capacity to take on more work, reduce reliance on subcontractors or keep more of the transport component of a job within your own business.

It can also be used to replace an ageing truck that's becoming expensive to maintain or causing downtime.

Before arranging finance, we can look at your existing vehicles and equipment, current finance commitments, the work the new truck will perform and how the additional repayment fits into the business.

For companies regularly buying machinery and trucks, looking at the broader fleet position can also make more sense than treating each purchase as an isolated transaction.

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New and used tipper truck finance

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

A new truck generally provides lenders with a clear purchase price, supplier documentation and a long remaining working life.

Used tippers can require a more detailed assessment. A relatively new tipper with moderate kilometres and a clean service history is very different from an older truck that's spent years operating in demanding quarry, construction or earthmoving conditions.

Older tipper trucks can still be financeable. The important part is matching the asset with lenders whose policies accommodate its age, value and intended use.

Lenders can consider:

  • Vehicle age
  • Kilometres travelled
  • Overall condition
  • Make and model
  • Tipper body and configuration
  • Purchase price
  • Proposed finance term
  • Intended commercial use
  • Expected age of the truck at the end of the loan

Dealer, private sale and auction purchases

Where you're buying the tipper can influence the finance process.

Dealer purchase

Dealer purchases generally come with established vehicle, supplier and invoice documentation, which can help make the finance and settlement process straightforward.

Private sale

TAFS can arrange finance when you're purchasing a tipper directly from another business or private seller.

The lender may require additional checks around the truck, seller, ownership and purchase price before settlement.

Private sale truck finance →

Auction purchase

Tippers are regularly sold through commercial truck and equipment auctions.

Because auction purchases can move quickly, it can help to understand your likely finance position before bidding. An approval may still be subject to the final truck meeting lender requirements, but having the finance conversation beforehand can put you in a better position when the right vehicle comes up.

Auction truck finance →

What lenders look at

There's no single set of rules used by every lender when assessing tipper truck finance. Depending on the deal, lenders can consider a combination of the following.

Your business

Trading history, turnover, cash flow, existing financial commitments and the overall strength of the business can affect the options available.

Your industry experience

Experience in construction, civil works, earthmoving, transport or another relevant industry can be particularly important for newer businesses.

The tipper truck

The truck's make, model, age, kilometres, condition, purchase price and configuration can affect lender appetite and the maximum finance term.

The work it's being used for

Lenders may consider whether the tipper will be used for construction, excavation, quarry work, landscaping, roadworks, material haulage or another commercial purpose.

Existing contracts or work

For some applications, established contracts, subcontracting arrangements or a clear pipeline of work can help explain why another truck is required.

Your credit profile

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

The right finance structure depends on how the tipper earns its keep

Two businesses purchasing the same truck may need very different finance structures.

An earthmoving contractor adding a tipper to work alongside existing excavators may have different cash flow and equipment commitments from a transport operator using the truck primarily for material haulage.

A civil contractor replacing subcontracted haulage with an owned vehicle presents another scenario again.

That's why we look at how the truck fits into the wider business, not just the invoice value.

The aim is to structure commercial truck finance around the asset, existing commitments and commercial purpose of the purchase.

Recent TAFS deal

A recent TAFS tipper truck deal

One recent TAFS client, an established landscaping operator, was looking to purchase a 2019 Isuzu tipper truck for $220,000.

The business had around seven years of industry experience and upcoming contracts that required additional hauling capacity. Its existing fleet was already being fully utilised, while continuing to bring in hired trucks was becoming an expensive way to keep up with the workload.

The client had a strong asset position, including significant unencumbered equipment, secured work ahead and a good credit history.

TAFS reviewed the wider business position, the existing fleet and the role the new truck would play before matching the application with a lender suited to the transaction.

With the finance settled, the client could put the 20-tonne tipper into its own fleet, reduce ongoing truck-hire costs and increase its capacity to complete upcoming work without relying as heavily on subcontracted vehicles.

  • 2019 Isuzu tipper truck
  • $220,000 purchase
  • Fleet expansion
White Isuzu tipper truck at a construction yard
Why TAFS

Why businesses use TAFS for tipper truck finance

80+ Lenders

We have access to a broad panel of banks and specialist commercial lenders, giving us different options for different trucks and business profiles.

Internal credit team

Applications are reviewed before they're submitted so lenders receive a clear picture of the business, the asset and why the truck is being purchased.

93% Client success rate

We focus on matching applications with lenders suited to the transaction and presenting the deal properly from the beginning.

Commercial asset finance specialists

Our team works with businesses financing trucks, trailers, excavators, loaders and other commercial equipment every day. That matters when the tipper is only one part of a much larger fleet or equipment operation.

Trusted lender partners:

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

How tipper truck finance works with TAFS

  • Step 1

    Tell us about the truck

    Send us the tipper details, purchase price, seller information and some background on your business.

  • Step 2

    We review the application

    Our team looks at the vehicle, business profile, existing commitments, intended use and finance requirements.

  • 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's requirements and documentation to get the truck settled.

Start Your Application Call 1300 558 758
FAQ

Tipper Truck Finance FAQs

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

  • Can you finance a used tipper truck?

    Yes. TAFS can arrange finance for used tipper trucks across a range of ages and price points. Lenders can consider the vehicle's age, kilometres, condition, purchase price and expected remaining working life when assessing the application.

  • Can I finance an older tipper?

    Potentially. Different lenders have different policies around vehicle age and how old the truck can be at the end of the finance term. Older tippers may therefore need to be matched with lenders that are comfortable with the age and type of asset.

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

    Finance can be available for newer businesses. Where there is limited trading history, lenders may place greater emphasis on previous industry experience, credit history, confirmed work, the vehicle being purchased and any contribution towards the deal.

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

    Yes. Sole traders can apply for commercial tipper finance when the truck is predominantly being acquired for business use and the application meets lender requirements.

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

    Low-doc finance may be available for some applicants. Requirements differ between lenders and can depend on factors such as ABN age, GST registration, asset value, credit history and the amount being financed.

    Low Doc Truck Finance →
  • Do I need a deposit for a tipper truck?

    Not necessarily. Some businesses may be able to finance the full purchase price, while other applications can benefit from a cash contribution or trade-in. The appropriate structure depends on the business, truck and lender.

  • Can I finance a tipper bought privately?

    Yes. TAFS can arrange finance for tipper trucks purchased directly from another business or private seller. Additional seller, vehicle and ownership checks may be required before settlement.

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

    Yes, subject to lender requirements. If you're planning to purchase through an auction, it can be worth discussing finance before bidding so you have a clearer understanding of your position. The lender will still need to approve the final vehicle.

    Auction Truck Finance →
  • Can I get finance before I've found the tipper?

    Depending on the lender and your circumstances, it may be possible to obtain an indication or conditional approval before choosing the final truck. The vehicle will still need to satisfy lender requirements before settlement.

  • Can I finance a tipper truck and dog trailer together?

    Depending on the purchase and lender, a tipper and dog trailer may be financed together or under separate facilities. The most suitable approach can depend on how the purchase is being completed and how the assets will be owned and used.

    Trailer Finance →
  • How long can I finance a tipper truck for?

    Finance terms vary according to the applicant and asset. Truck age, condition and expected working life can become particularly important when determining an appropriate finance term for a used tipper.

  • How quickly can tipper finance be approved?

    Straightforward applications can move quickly once the required information is available. Timing will depend on the lender, complexity of the application, type of purchase and whether additional seller or vehicle checks are 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 linehaul, freight and heavy transport.

Rigid Truck Finance

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

Crane Truck Finance

Finance for trucks fitted with cranes for construction, transport and material handling.

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 trucks, replacing vehicles or expanding an existing fleet.

Ready to finance your next tipper?

Tell us what you're buying and where your business is at. 

We'll review the truck, understand how it fits into your operation and compare suitable options across our lender panel.

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