Invoice finance · Transport and logistics
Invoice finance for transport and logistics
Transport operators pay for fuel, tolls and drivers before customers pay on 30–60-day terms, so truck and trailer finance is usually paired with a working-capital facility.
How a invoice finance works for transport and logistics
Transport operators with reliable freight customers can fund each invoice as it is raised, covering fuel and wages the same week rather than waiting 45 days.
The cash-flow pattern we plan around
A transport business pays for fuel before the customer pays, often waiting 30–60 days on freight invoices.
What transport and logistics typically fund
- Prime movers, rigid trucks and trailers
- Fuel and tolls between invoice payments
- Fleet expansion for new contracts
Invoice finance for transport and logistics: the numbers
| Typical amounts | $20,000 – $5,000,000 |
|---|---|
| Term | 1–12 months |
| Indicative rates | 8% – 18% p.a. |
| Repayments | Settled when the customer pays each invoice |
| Speed | 24–48 hours per invoice once set up |
| Documents transport and logistics usually need | ABN and operator accreditation · Bank statements and financials · Freight contracts for larger facilities |
Rates shown are indicative ranges observed across our lender panel for the period stated. They are not an offer or quote. Your rate depends on your business, the lender, the amount, the term and the security offered. The lender makes the final credit decision.
Key terms
Truck finance
Truck finance is secured equipment finance for prime movers, rigid trucks and trailers, usually structured as a chattel mortgage over 3–7 years with an optional balloon.
What is invoice finance?
Invoice finance (also called debtor finance or receivables finance) advances a percentage of an unpaid invoice’s value now, with the remainder paid when the customer settles, minus the financier’s fees.
Invoice finance vs invoice factoring
Factoring sells the invoice to the financier who collects from your customer; invoice discounting keeps collections with you and is usually confidential. Both are forms of invoice finance.
Questions from transport and logistics
What documents will you need?
We start with a conversation about your business. To assess your options, lenders commonly need identification and recent business bank statements. Depending on the loan, they may also request BAS, financials or statements for existing debts. Your broker gives you a clear list for your situation.