Get the truck your business needs. Without the runaround.

Whether you’re an owner-operator buying your first truck or a business adding to your fleet, the right finance makes the difference between a deal that works and one that drains your cashflow. We’ll find the right loan, from the right lender, structured the right way for your situation.

What we do

We search the market so you don’t have to.

Going to a bank for truck finance means seeing one set of products from one lender. Coming to Oracle means access to a wide panel of lenders – major banks, specialist asset financiers, and non-bank lenders who understand how transport businesses actually operate.

We’re an independent Adelaide broker. We’ve been working with SA businesses since 2005 and we know which lenders are most competitive for truck finance, how to structure an application that gets approved, and how to make sure the repayments work for your cashflow – not just on paper.

What we finance

Trucks of all shapes and sizes.

If it’s got wheels and it’s working for your business, there’s a good chance we can finance it. We arrange truck finance for prime movers and semi-trailers, B-doubles and road trains, rigid trucks and pantechs, tippers and dump trucks, refrigerated trucks and cold chain vehicles, livestock trucks, curtainsiders and tautliners, crane trucks, logging trucks, concrete mixers, rubbish compactors and tow trucks, and new or used trucks from dealers, private sellers, or auction.

We also arrange trailer finance separately from truck finance where that better suits your situation, and can help with fleet purchases if you’re adding multiple vehicles.

Finance structures

Finance structures – what they mean for your business.

The right structure depends on your business setup, how you handle GST, and what your accountant recommends. Here’s a plain-English rundown of the main options.

Chattel mortgage

You own the truck from day one, with the lender holding it as security until the loan is repaid. You can claim the GST component upfront and depreciate the asset over time. The most common structure for established businesses and a good option if claiming tax benefits is a priority. Talk to your accountant about what works for your setup.

Commercial hire purchase

The lender owns the truck and you make repayments until the final payment, at which point ownership transfers to you. Often simpler to get approved than a chattel mortgage, and interest is still deductible over the loan term.

Not sure which structure suits you? That’s the conversation to have with us and we’re happy to work alongside your accountant to make sure the structure makes sense from a tax perspective.

Most truck finance products allow for a balloon payment which is a lump sum due at the end of your loan term that reduces your regular monthly repayments throughout the loan. Common balloons range from 20% to 40% of the purchase price.

It keeps your ongoing repayments lower, which helps cashflow during the loan. At the end of the term you can pay out the balloon, refinance it, or sell the truck and use the proceeds. It needs planning but for many operators it’s the right structure. We’ll help you work out what balloon amount makes sense for your situation.

Owner-operators to fleet businesses.

We work with all types of truck operators across South Australia from sole traders and owner-operators buying a single truck, small businesses adding to an existing fleet, established transport companies refinancing or upgrading ageing vehicles, and new businesses getting their first commercial vehicle on the road.

SA’s transport sector is diverse – from grain haulage and livestock transport to refrigerated food distribution, construction tippers, and long-haul interstate freight. Whatever your operation, we understand that your truck is your livelihood, and the finance behind it needs to work as hard as you do.

New to trucking or light on paperwork?

If your business is new or you don’t have two years of full financials ready to go, it doesn’t automatically rule you out. Some lenders will consider applications based on BAS statements, bank statements, and a director declaration rather than requiring full tax returns. We know which lenders take this approach and what you’ll need to put your best foot forward.

For newer businesses, a deposit or property-owning director can strengthen an application. We’ll be upfront with you about what’s realistic before you go anywhere near a lender.

Buying used, at auction, or privately?

Not every lender is comfortable with used truck purchases or private sales but plenty are, and we know which ones. We regularly arrange finance for used trucks purchased from dealers, private sellers, and auctions across SA.

The truck will need to meet the lender’s age and condition requirements, and we’ll let you know upfront if anything looks like it might be a sticking point.

If you’re buying at auction where timing is tight, it’s worth getting pre-approved before you bid so you’re not scrambling to find finance after the hammer falls.

It starts with a conversation. Tell us about the truck you’re looking to finance, your business situation, and your timeline. We’ll work out which lenders and structures suit you, compare options across our panel, and come back to you with a clear recommendation. Pre-approval is typically available within 24 to 48 hours for straightforward applications. Once you’re approved, we manage the paperwork and coordinate settlement with the seller so the truck is yours without the headache.