Trailer Loans
Get Your Trailer Loan Fast: Simple Application, Quick Approvals
Need a reliable trailer to get the job done?
SB Finance understands the demands of your trade. We'll help you find the perfect trailer financing solution, so you can focus on what you do best. Whether you're hauling tools, equipment, or materials, we'll get you on the road with fast approvals, competitive rates, and expert guidance.Why Choose SB Finance for Your Trailer Loan?
Your Partner in Success
We're more than just a lender, we're your partner in growing your business.
Understanding Your Needs
We take the time to understand your unique requirements.
Finding the Right Solution
We'll match you with the perfect trailer finance option.
Guiding You Through the Process
Expert support every step of the way.
Making it Easy and Stress-Free
Simple application, fast approvals, and clear communication.
Celebrating Your Success
We're here to help you achieve your business goals.
Trailer Loan Options
New and Used Trailer Finance
Wide Range of Trailers
Got a job to do? We’ve got the trailer to help you do it. From sturdy box trailers and tipping trailers to custom-built trailers for your specific trade, we can finance the perfect solution to haul your tools, equipment, and materials.
Competitive Rates
We offer competitive rates on all trailer loans, regardless of the age, type, or size of the trailer.
Flexible Loan Amounts
We understand that everyone has different needs and budgets. We’ll work with you to determine the appropriate loan amount based on your financial situation and the trailer you’re looking to acquire.
Tailored Solutions
Our team will take the time to understand your requirements and financial goals to structure a loan that aligns perfectly with your needs.
Chattel Mortgage
Own your trailer from day one
With a Chattel Mortgage, the trailer is yours from the moment you hitch it up. This gives you full control and allows you to claim depreciation as a business expense (if applicable).
Enjoy potential tax benefits
Enjoy potential tax benefits, including claiming GST credits and deductions for interest and depreciation.
Benefit from fixed repayments and flexible terms
Benefit from predictable monthly repayments and tailor your loan term to suit your budget and goals.
Claim depreciation as a business expense
Reduce your taxable income by claiming the depreciation of your trailer as a business expense (if applicable).
Finance Lease
Preserve your cash flow with lower upfront costs
A Finance Lease allows you to acquire the trailer without a significant upfront investment, freeing up your cash flow for other needs.
Enjoy lower monthly repayments
Enjoy lower monthly repayments compared to a Chattel Mortgage, making it an attractive option for those seeking to manage their expenses.
Claim lease payments as a tax deduction (depending on your circumstances)
Depending on your circumstances, you may be able to claim lease payments as a tax deduction.
Maintain flexibility to upgrade or return the trailer at the end of the lease term
At the end of the lease term, you have the option to purchase the trailer, upgrade to a newer model, or simply return it.
Chattel Mortgage vs. Finance Lease
Feature
Ownership
Monthly Payments
Upfront Costs
Tax Benefits
End of Term
Chattel Mortgage
Yours from day one
Generally higher
May require a deposit
Claim depreciation and GST credit
You own the Trailer
Finance Lease
SB Finance owns the Trailer
Generally lower
Lower upfront costs
Potentially deduct lease payments
Option to buy, upgrade, or return
Get Your Free Trailor Loan Quote Today!
Take the first step towards acquiring the trailer you need. Apply online in minutes and receive a personalised quote
Frequently Asked Questions
To be eligible for a trailer loan with SB Finance, you’ll generally need to meet a few key criteria:
- Be an Australian resident or citizen.
- Have a good credit history to demonstrate your financial track record.
- Show us you have the capacity to make repayments, ensuring the loan is a good fit for your budget.
- Provide information about your financial stability to help us assess your ability to support the loan.
- Clearly outline the type of trailer you’re looking to finance so we can tailor the loan to your specific needs.
Speak to our experts to see if you could be eligible for a low-doc commercial loan. If you dont qualify, you may need the following to ensure a smooth and efficient application process:
- Identification documents (such as your driver’s license or passport).
- Financial statements that give us a clear picture of your business’s financial health.
- Tax returns to verify your income and expenses.
- Requirements to apply for machinery loans
- Details about the machinery you wish to purchase, including the make, model, and year of manufacture.
We know you’re eager to hit the road with your new trailer, so we’ve streamlined our approval process. While the exact timeframe may vary, you can typically expect a decision within 24-48 hours of submitting all the necessary documents.
We believe everyone deserves a fair go. We understand that circumstances can change, and credit scores aren’t always perfect. If you have some credit challenges in your past, we encourage you to contact us. We’ll assess your individual situation and explore all possible solutions to help you secure the trailer loan you need.
We can finance a wide range of trailers, including:
- Enclosed trailers
- Flatbed trailers
- Car trailers
- Boat trailers
- Horse trailers
- Camper trailers
- Food trailers
- And more!
While it’s not always a strict requirement, it’s helpful to have a tow vehicle that’s suitable for the type of trailer you’re financing. This demonstrates your preparedness and ability to safely use the trailer.
Yes, we can often finance custom-built trailers. You’ll need to provide detailed specifications and cost estimates for the build.
You’ll need to have comprehensive insurance for your trailer throughout the loan term. This protects both you and the lender in case of damage or theft.
Yes, you can usually make extra repayments or pay off your trailer loan early. There may be some fees associated with early repayment, so it’s best to check the terms and conditions of your loan.
