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Truck & Prime Mover Finance
Finance for rigid trucks, prime movers, B-doubles, and semi-trailers. New and used assets considered. Structures to suit owner-operators and larger transport businesses.
Sector Finance · Broker
Commercial Vehicle Finance Mackay
Specialist truck and commercial vehicle finance for owner-operators, transport businesses, and mixed-enterprise fleets across Mackay, Queensland, and Australia.
About this finance
Your vehicles are your business — and keeping them moving requires the right finance structure. Loxent Finance provides commercial vehicle and truck finance across Mackay and Queensland, with access to 40+ lenders who specialise in transport and logistics assets. From a single ute for a trade business to a full fleet of prime movers, we find the right product at the right rate and structure repayments around your cash flow.
Finance products
The right structure for your situation.
We match you to the product that fits your tax position and cash flow — not the first lender that says yes.
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Ute & Light Commercial Finance
Fast, competitive finance for utes, vans, and light commercial vehicles. Ideal for tradespeople, service businesses, and small fleet operators.
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Fleet Finance Packages
Streamlined fleet facilities for businesses running 3+ vehicles. Single application, consolidated repayments, and a single broker relationship for your entire fleet.
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Trailer & Body Finance
Finance for trailers, tipping bodies, curtainsiders, refrigerated units, and specialist attachments. Can be packaged with prime mover finance for a single facility.
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Novated Lease for Employees
Provide vehicles to employees as a tax-effective salary package benefit. We handle the structure and the paperwork so you can focus on running the business.
Why Loxent
What makes the difference.
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Transport Industry Knowledge
We understand owner-operator structures, sub-contracting arrangements, and the working capital challenges of transport businesses. We present your application in the way lenders want to see it.
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Competitive Truck Finance Rates
With 40+ lenders on our panel — including specialist commercial vehicle funders — we genuinely compete for the best rate on your deal, not just the closest relationship.
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Fleet & Single Asset
Whether you need finance for one vehicle or a fleet of twenty, we have the right structure and the right lenders.
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Mackay & Queensland Based
Local brokers who understand the transport corridors, mining access requirements, and regional business conditions that affect commercial vehicle operators in our area.
Ready for a quote?
First call costs nothing. Tell us what you're financing and we'll come back with options.
Common questions
Questions we hear most.
What is the best finance option for a truck in Queensland?
For most owner-operators and GST-registered transport businesses, a chattel mortgage is the most common and tax-effective structure — you own the vehicle from day one and can claim interest and depreciation. If you prefer predictable costs and want to upgrade regularly, a finance lease or novated lease may suit better. We'll recommend the right structure based on your situation.
Can I finance a used truck through Loxent Finance?
Yes. Most of our commercial vehicle lenders will consider quality used trucks, prime movers, and trailers. The key factors are age, kilometres, condition, and whether the vehicle is from a reputable dealer or private sale. We'll assess your specific vehicle and give you a clear picture of what's achievable before you commit.
How does fleet finance work for Mackay businesses?
Fleet finance allows you to consolidate multiple vehicle purchases into a single structured facility. This simplifies your repayments, improves administration, and in many cases achieves a better rate than financing each vehicle separately. It works particularly well for businesses adding vehicles regularly — we can set up a revolving fleet facility so you can draw down on pre-approved credit as needed.
How long does truck finance approval take in Queensland?
Most straightforward commercial vehicle applications are approved within 24–48 hours. Larger fleet facilities or applications requiring more documentation may take 3–5 business days. If you have a specific delivery deadline, let us know upfront and we'll prioritise accordingly.
Do I need a large deposit for commercial vehicle finance?
Many lenders prefer 10–20% equity in the deal, but strong applications from established businesses can achieve 100% finance on commercial vehicles. The right deposit level depends on the asset type, your trading history, and the lender's current appetite. We'll give you a realistic assessment before you apply.