Skip to main content
Secured Business Loans

Heavy Trucks >3.5 Tonnes Finance

Financing Made Simple for Your Heavy-Duty Needs

Get the powerful heavy-duty trucks your business needs without the hassle. At SME Lend, we offer tailored finance solutions for trucks over 3.5 tonnes, helping industries like construction, logistics, mining, and agriculture get the right vehicles with a finance plan that works for them.

Request a FREE Quote

Contact Us for a FREE QUOTE

Fill out the form below for a quick quote!

How do you finance a heavy truck?

Financing a heavy truck doesn’t have to be complicated. At SME Lend, we specialize in simplifying the finance process for trucks over 3.5 tonnes, offering a fast, straightforward solution that helps keep your business moving.


Whether you’re expanding your fleet or upgrading to a more powerful model, we provide flexible finance options that align with your business goals.

Access to Industry-Leading Expertise

With extensive experience financing heavy-duty vehicles, we understand the needs of your industry. Our team is committed to guiding you through the process, ensuring you have the support you need to make an informed decision.

Start Your Application Today

Why Choose SME Lend for Heavy Truck Finance?

  • Industry-Specific Knowledge
    Our team has deep knowledge of industries that depend on heavy trucks. From logistics to construction, we’re familiar with the specific needs of heavy-duty operations.
  • Trusted by Top Lenders
    Through partnerships with over 60 leading lenders, we secure competitive rates and flexible terms for our clients.
  • Fast, Simple Process
    From quick approvals to minimal paperwork, our streamlined process is designed to get you on the road faster.
  • Tailored Finance Solutions
    We offer specialized financing for trucks over 3.5 tonnes, ensuring terms and conditions that work for your business needs.

We Finance Leading Heavy Truck Brands

Our flexible financing covers a wide range of trusted heavy truck brands, allowing you to choose the vehicle that best fits your business.

What We Promise

We’re committed to offering more than just financing. Here’s what you can expect when you work with SME Lend:

  • Quick Approvals
    With our efficient process, get approved and get on the road in record time.
  • 100% Finance Available
    Finance up to 100% of the truck’s value, so you don’t need to worry about a deposit.
  • Flexible Terms
    Choose a repayment term that fits your business’s cash flow, from short-term to extended plans.
  • Minimal Documentation
    We keep paperwork to a minimum, allowing you to focus on what matters – running your business.

The SME Lend team is here whenever you need us. Reach out to our Truck Finance Specialists at 1800958400 or email us at approvalsteam@smelend.com.au for a personalized quote today!

Dedicated Support & Expert Service

At SME Lend, we go beyond financing. We’re committed to forming lasting relationships with our clients, ensuring you have the support, guidance, and resources to succeed in your business. Our team is here to help you grow with confidence, providing an exceptional finance experience for all your heavy truck needs.

Quick Quote
  • Fast Approvals: We specialize in securing quick finance approvals, ensuring you experience minimal waiting time.
  • Streamlined Process: We offer a hassle-free and streamlined process from application through to settlement.
  • After-Hours Assistance: We are available to assist you after hours, ensuring you receive continuous support and exceptional service that you have never experienced before.

Trusted by Australia’s Leading Lenders

SME Lend works with a vast network of over 60 trusted lenders, allowing us to find the best finance options for your business. With a commitment to your success, we match you with the right lender and loan to help you grow with confidence.

How to Apply for Heavy Truck Finance

Submit Your Application

Fill out our quick online application, and one of our finance experts will reach out to discuss your options.

Get Approval

Our fast and efficient approval process ensures you can get the vehicle you need without delay.

Choose Your Truck

Select the truck that best fits your needs from any licensed dealership or private seller.

Drive Away With Confidence

Once financing is approved, you’re ready to pick up your truck and get to work.

Contact Us for a FREE QUOTE

Fill out the form below for a quick quote!

FREQUENTLY ASKED QUESTIONS

Our most commonly asked truck finance questions answered below:

What types of heavy trucks can I finance?
We finance a wide range of heavy trucks, including dump trucks, tow trucks, cement trucks, and long-haul trucks over 3.5 tonnes.

What are the basic requirements for heavy truck financing?

Requirements typically include proof of income, a solid credit history, business experience, and relevant documentation for the truck.

Can I finance both new and used heavy trucks?
Yes, we offer financing options for both new and pre-owned heavy trucks over 3.5 tonnes.
How much down payment is required for heavy truck financing?

The down payment amount varies, but it generally ranges from 10% to 25%, depending on credit and financing terms.

How long does the approval process take?

Approval usually takes 3-5 business days, provided all required documents are submitted promptly.

What loan terms are available for financing heavy trucks?

We offer flexible loan terms, typically from 24 to 72 months, depending on your preferences and qualifications.

Can I get financing with a low credit score?

We have options for individuals with diverse credit profiles, though lower scores may affect terms and interest rates.

Are there leasing options available for heavy trucks?

Yes, leasing is available as an alternative to buying, providing flexibility and potentially lower monthly payments.

What documents are needed to apply for heavy truck financing?

Generally, you’ll need identification, financial statements, tax returns, and information on the truck you wish to finance.

How is the interest rate determined for my loan?

Interest rates are based on factors such as credit score, loan term, down payment, and truck value.

Are there any tax benefits associated with heavy truck financing?

You may qualify for tax deductions on interest payments and depreciation, though we recommend consulting a tax advisor for specifics.

Can I refinance my existing heavy truck loan?

Yes, refinancing options are available if you’d like to adjust your loan terms or lower your interest rate.

What happens if I need to replace or upgrade my truck?

We offer upgrade and trade-in programs to assist with replacing or upgrading your current truck.

Are there any additional fees associated with heavy truck financing?

Potential fees may include processing fees, application fees, and late payment fees, depending on the lender.

Is insurance required for financed heavy trucks?

Yes, insurance is generally required, and we can refer you to trusted insurance providers to ensure proper coverage.

Can I finance multiple heavy trucks simultaneously?

Absolutely, we offer financing for fleet expansion to help businesses grow their operations.

What options do I have if I experience difficulties with loan payments?

Contact us if you’re facing financial difficulties; we may offer solutions like payment deferrals or restructuring options.

Is there an early payoff penalty for my loan?

Some lenders allow penalty-free early payoffs, while others may charge a fee. Review your loan terms for specifics.

What is the minimum amount I can finance for a heavy truck?

The minimum finance amount generally depends on the lender but is typically set at a level that covers most heavy trucks over 3.5 tonnes.

How do I start the financing application process?

You can begin by filling out our online application or contacting one of our representatives for a consultation.