HQ Mortgage Asset Finance Calculator
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HQ Mortgage Asset Finance
Fast approvals for ABN holders across Melbourne.Accelerate Your Business with Tailored Commercial Truck Loans
Whether you operate a single prime mover, manage a growing logistics fleet of heavy rigid trucks, or run an owner-driver operation in the transport and construction sector, cash flow is king. At HQ Mortgage, we specialize in comprehensive truck loans and heavy vehicle finance that match your operational cycles, seasonal cash flow, and long-term business strategy.
Navigating commercial lenders on your own can lead to restrictive terms, high interest rates, or unnecessary application rejections. As experienced asset finance brokers based in Doncaster, Melbourne, we leverage direct access to over 70+ institutional and specialty lenders to secure competitive commercial truck finance custom-built for your ABN.
Heavy Vehicle & Truck Financing Solutions We Offer
Every transport business has unique asset requirements. Our panel of lenders provides versatile funding structures across a wide array of commercial heavy vehicles:
Prime Movers & Semi-Trailers
Secure high-value funding for long-haul freight equipment, B-doubles, and specialized trailers with flexible balloon structures to protect operating capital.
Heavy & Medium Rigids
Reliable funding options for tautliners, tray trucks, tip-trucks, and logistics vehicles servicing local and interstate supply chains.
Low Doc Truck Loans for ABN Holders
For sole traders and growing businesses without fully finalized tax returns, our low doc and alt-doc truck loans look at alternative verification so you can get on the road fast.
Why Transport Operators Choose HQ Mortgage
Traditional high-street banks often lack the flexibility required by the transport and logistics industry. We look beyond standard credit scoring to understand your contracts, fleet utilisation, and revenue potential.
- Chattel Mortgages & Asset Finance: Tax-effective structures allowing businesses to claim GST input credits and depreciation benefits.
- Fast 24-48 Hour Approvals: Quick turnaround times so you don’t miss out on buying equipment at auction or through private sales.
- Competitive Interest Rates: We pit lenders against one another to secure lower rate brackets and reduced establishment fees.
Frequently Asked Questions About Truck Loans
Can I get a truck loan as a new ABN holder or start-up?
Yes. While traditional lenders usually require 2 years of financials, we work with lenders offering low doc and start-up truck financing for ABN holders who have been operating for a shorter duration.
What is the difference between a Chattel Mortgage and a Finance Lease for trucks?
A Chattel Mortgage gives you immediate ownership of the truck from day one while the lender holds a security interest over it. A Finance Lease means the lender owns the vehicle while you lease it for business use. Most commercial clients prefer chattel mortgages for tax and GST advantages.
How fast can truck finance be approved?
With complete documentation (such as identification, asset details, and basic bank statements), conditional approvals can be secured within 24 hours.