Business loans for transport
Your truck doesn't stop running because the invoice hasn't been paid.
Finance for Australian transport and logistics operators running on 30–60 day client payment terms while diesel, rego, and driver wages hit daily.
Apply now
2 minutes · Soft check only · Free
Overview
Why transport businesses choose Avoir
Transport is one of the highest fixed-cost industries in Australia. Fuel doesn't wait for invoice payment. CTP insurance, heavy vehicle registration, and scheduled maintenance don't negotiate payment terms. Your drivers need to be paid weekly regardless of when your freight client settles their account. Add the capital cost of fleet (a new prime mover runs $200,000 to $400,000, a refrigerated trailer $80,000 to $150,000) and you're running a capital-intensive operation with a 30–60 day receivables lag baked into almost every contract. Avoir connects Australian transport businesses to lenders who understand freight payment cycles, fleet financing, and the cash flow structure of logistics operations.
Banks assess transport businesses on the same metrics they use for every other industry. They don't account for the fact that your three biggest clients all pay on 45-day terms, that your fuel bill runs $15,000 a week before a single invoice is settled, or that replacing a diff on a prime mover is a $12,000 decision that can't wait for the CFO to approve a capital expenditure. Lenders in Avoir's network understand freight payment cycles, fleet operating costs, and the working capital of running a transport business in Australia. A single-operator owner-driver, or a fleet running 20 vehicles and a dispatch team: a specialist will assess your specific situation.
Heads up
The Heavy Vehicle National Law changes on 1 August 2026: higher general mass limits and longer combinations. It affects what a new truck can legally carry. What the HVNL changes mean for truck finance →
Key features
Working capital for operations
Cover fuel, tolls, driver wages, and operating costs while waiting on 30–60 day payment terms from clients.
Vehicle and fleet costs
Fund urgent repairs, maintenance, registration, and insurance without disrupting cash flow.
Contract start-up costs
Take on new contracts that require upfront vehicle preparation, equipment, or additional driver costs.
Owner-operators welcome
Single-vehicle owner-operators with an ABN and 12+ months trading are eligible. No fleet minimum required.
Eligibility
Am I eligible to apply?
Transport and logistics businesses with 12+ months of operating history are typically eligible to apply. Owner-operators, fleet operators, freight forwarders, and logistics businesses are all accommodated. A specialist will advise on available options.
Meeting these criteria makes a business eligible to apply; it does not mean an application will be approved. *Subject to lender credit criteria.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. Only a soft credit check, and no documents required at this stage.
We match your profile
Your enquiry is assessed and matched to the most suitable lending partners in our network based on your business profile, loan amount, and purpose.
Receive your offer
A specialist contacts you within 2 hours with tailored options. They will walk you through available terms and answer any questions.
Funds in your account
Once you accept an offer and provide the lender's required documentation, funds are typically transferred within 24 hours.
FAQ
Common questions
Everything you need to know about getting a business loan. Can't find the answer you're looking for? Apply and a specialist will answer your questions directly.
Apply now →Can owner-operator truck drivers get a business loan?
Yes. Owner-operators with an active ABN and 12+ months of consistent revenue are eligible to apply. No company structure required.
Can I use a loan to cover fuel costs?
Yes. Working capital loans for transport businesses are commonly used to cover fuel, tolls, and operating costs between client payments.
Do I need a vehicle as collateral?
No. Unsecured business loans require no vehicle or asset as security. Approval is based on your cash flow and trading history.
Can a courier or delivery business apply?
Yes. Couriers, same-day delivery businesses, and last-mile logistics operators are all eligible.
How much can a transport business borrow?
Between $10,000 and $500,000 depending on your annual revenue. Most lenders set facility sizes as a proportion of monthly revenue, which varies by lender.
Can I get a loan for a new transport contract?
Yes. Lenders in our network understand that new contracts create upfront cost requirements and can assess applications on the basis of contract revenue.
Ready to apply?
Keep the fleet running. Don't wait 45 days to do it.
Two minutes to apply. Soft credit check only. A specialist will be in touch within two hours.
NO COLLATERAL
SOFT CHECK ONLY
2 MIN APPLICATION