Who it is for
This is for trading transport, freight and logistics businesses that need funding for a real operating need, not a speculative start-up.
- Owner-drivers and small fleet operators
- Freight, courier and last-mile delivery businesses
- Logistics, warehousing and distribution operators
- Subcontractors waiting on payment from larger carriers or customers
Common funding uses
Transport funding commonly covers the running costs that fall due before customer invoices are paid.
- Fuel, tolls, tyres and registration costs
- Unexpected repairs, servicing and downtime
- Payroll and driver wages while invoices are outstanding
- Working capital to take on a new contract or route
- Insurance premiums and other large periodic costs
What affects eligibility
Lenders will look at turnover, customer payment patterns and whether the request fits the business's operating cycle.
- Monthly revenue and concentration across customers or contracts
- Customer payment terms and debtor days
- Bank conduct, average balances and existing vehicle or equipment repayments
- ATO debt, creditor pressure or recent dishonours
- Evidence that contracts or invoices support the funding need
What documents are needed
A transport request can start with bank statements, then use contracts or invoices to explain the working capital need.
- Recent business bank statements, usually the last 3 to 6 months
- ABN, entity and director details
- Requested amount and a clear funding purpose
- Basic turnover, trading history and contact details
- Customer contracts, rate agreements or recent invoices
- Repair quotes or fuel and running cost summaries where relevant
Check options
Get a practical view before you apply broadly.
Tell us the funding amount, turnover and purpose. A lending specialist will review what looks realistic and explain the next step if there is a lender fit.