Access to banks and specialist lenders
We compare finance across banks and specialist non-bank lenders. By assessing options across our broad lender panel, we help you find a lender that understands the transport and logistics sector.
Industry
Transport and Logistics
Finance for trucks, trailers, fleets, equipment and commercial property structured around your contracts, cash flow and growth plans.
Talk to a broker
Transport and logistics businesses operate in an asset-intensive environment, with significant capital tied up in vehicles, trailers and equipment. At the same time, fuel, maintenance, driver costs and contract payment terms can create ongoing pressure on cash flow, particularly when it's time to grow or replace your fleet.
At 3LANE Finance, we help transport and logistics businesses across Sydney and NSW secure finance that's aligned with the way they operate. Whether you need fleet finance, equipment finance, working capital or commercial property finance, we compare lenders across our broad lender panel to find a solution that's suited to your circumstances.
We understand how different lenders assess asset-heavy businesses, contract income and replacement cycles. By presenting your financial position clearly and matching you with lenders that understand the transport sector, we help maximise your borrowing potential and improve your chances of approval.
Why choose 3LANE Finance
Transport and logistics finance requires more than comparing interest rates. Fleet size, asset age, contract income, cash flow, security and replacement cycles can all influence how lenders assess your business. We understand those factors and structure your finance around the way your operation actually works.
Transport and logistics finance expertise
We understand how fleet size, contract structures, fuel costs, maintenance expenses and asset replacement cycles affect your financial position. We structure your application to present your business clearly and accurately.
Smarter lender selection
Every lender has different criteria for assessing asset-heavy businesses, contract income and security. We compare your circumstances across multiple lenders before you apply, helping improve your chances of approval while securing finance that's aligned with your goals.
End-to-end support
From your initial enquiry through to settlement, we manage the finance process on your behalf. We liaise with your lender, keep your application on track and continue reviewing your finance as your business evolves.
Finance that keeps your business moving
Transport and logistics businesses rely on the right vehicles, equipment and cash flow to keep operations moving. We help you access finance that's aligned with your business goals, whether you're expanding your fleet, replacing ageing assets or managing day-to-day working capital.
- Fleet finance for trucks, trailers and delivery vehicles
- Equipment finance for logistics, warehousing and material handling equipment
- Working capital finance to support fuel, maintenance and driver costs
Financing an asset-heavy, contract-driven business
Transport and logistics businesses operate in an asset-intensive industry. We take the time to understand how your business operates, match you with the right lender and manage the finance process from start to finish.
01
Understand your business
We take the time to understand your contracts, cash flow, assets, security and funding requirements. We also consider the factors lenders assess when financing transport and logistics businesses.
02
Shape the right solution
We compare lenders, loan structures and repayment options before you apply. By matching your business with a lender that's suited to your circumstances, we help improve your chances of approval and secure finance that supports your growth.
03
Manage your application
We prepare your application, liaise with your lender and keep the process moving through to settlement. With 3LANE Finance managing the details, you can stay focused on running your business.
Run the numbers
Estimate your repayments and borrowing power for your transport and logistics business. Indicative only. Your broker confirms the real figures.
Monthly repayment$4,497
Fortnightly$2,075
Weekly$1,038
Total interest$868,786
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
Get a tailored assessmentAreas we service
Based in Marrickville, we support borrowers across Sydney and NSW — in person or remotely.
- Marrickville
- Inner West
- Sydney CBD
- Eastern Suburbs
- North Shore
- Northern Beaches
- Parramatta
- Greater Western Sydney
- Sutherland Shire
- Across NSW
Related pages.
Explore related services and industries we support.
FAQs
Quick answers for clients comparing finance options.
Yes. We arrange fleet finance for trucks, trailers and delivery vehicles. We compare chattel mortgage, lease and rental structures to suit your business.
Lenders typically consider your broader financial performance, including revenue, margins, cash flow and existing commitments. Where fuel costs fluctuate, we help provide the context behind those movements and how they affect your overall financial position.
Yes. We arrange commercial property finance for depots and distribution centres, structured around your business's serviceability.
Yes, in many cases. Confirmed contracts can support a lender's assessment of your ongoing revenue, particularly for larger fleet or equipment finance applications.
We work across many lenders and specialist non-bank funders, so we can try to find the best loan for your transport and logistics business rather than being limited to a single lender's policy.
Our services are typically free to you, as the lender pays us a commission when your finance settles. If a particular scenario ever required a fee, we would explain and agree this with you in writing first.
Turnaround varies by lender and fleet size, but standard commercial vehicles with an established resale market are often approved faster than specialist transport equipment.
Yes. We check in periodically to see whether your current rate, structure and features still suit your business. We also flag refinancing opportunities as they arise, rather than waiting for you to ask.
Yes. Many transport businesses refinance existing vehicle or fleet facilities to reduce repayments, release equity for additional vehicles or consolidate multiple finance agreements. We compare lenders whose policies align with your current business performance and future expansion plans.
Talk to 3LANE
Keep your business moving with the right finance
Whether you’re expanding your fleet, replacing vehicles, purchasing equipment or managing working capital, talk to 3LANE Finance about a lending solution structured around your business.