Business finance
Business Loans For Heavy Transport Operators
Working capital, equipment, and growth finance for heavy transport operators — matched to your revenue and time trading, not a generic credit score.
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How it works
Matched to the right lender in minutes
Tell us what you need
A few details about your business and what the finance is for. Takes under a minute.
We match you
We line you up with the right vetted lender for heavy transport operators and your situation — no guesswork.
Get funded
Your lender takes it from there — approval and funds, sorted.
What you get
Built around your business
- Asset and equipment finance sized to major purchases, not a generic limit.
- Structures that match repayments to the revenue the asset generates.
- One application across lenders that fund large equipment outlays.
How it works
Simple next steps
- 1Tell us the asset, the amount, and how long you've been trading.
- 2We match it to lenders that finance high-value equipment.
- 3You compare the structures and proceed only if one fits.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business finance
Financing for Heavy Transport Operators
Heavy transport is one of the most capital-intensive industries on the road. A prime mover, a trailer or two, telematics, a workshop and the spares to keep it all running represent a very large investment, and around the ~$120,000 mark is a realistic ballpark for adding or upgrading equipment — a single new combination can run well beyond that. Equipment and truck finance lets you expand the fleet or replace ageing gear without draining the cash you need to operate.
Working capital is just as critical, because fuel, AdBlue, rego, repairs and driver wages all have to be paid now while freight invoices sit on 30 to 60 day terms. A facility that bridges that gap, or invoice finance against your freight bills, keeps the trucks moving when a customer pays slowly.
Common questions
Heavy Transport Operators — business loan questions
Can I finance prime movers and trailers?
Yes — truck and trailer finance is core to this industry, funding prime movers, trailers and workshop gear so capital is not drained buying outright. Cockatoo helps match you to a lender that understands road freight and the way heavy-vehicle assets and seasonal freight work, rather than a generic loan.
How can I manage the wait on freight invoices?
Many operators use working-capital or invoice finance to bridge the 30 to 60 day terms freight customers run on. It releases cash tied up in unpaid invoices so you can cover fuel, wages and rego without waiting, which is one of the most common funding needs in transport.
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Get matched to the right lender
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.