Truck and trailer finance enquiries
A truck or trailer enquiry almost always arrives with a date attached: a unit found, a contract starting, a prime mover off the road. Downtime is the whole conversation, which is why these operators move faster than most borrowers and expect you to move with them.
Truck and trailer enquiries sit apart from the rest of the asset finance mix for one reason: the asset is the business. A prime mover parked in a yard is not an inconvenience, it is revenue stopped, so the enquiry almost always names a specific unit and a real date.
For the broker that cuts both ways. The qualifying conversation is short and concrete, because the operator knows what they want and when. But the deal either fits an asset financier's appetite or it does not, and the unit itself usually settles that.
Something has stopped
A blown motor, a failed inspection, an accident. Revenue stops the day the truck does, so nothing in your week punishes a slow call back harder.
The unit is ageing out
Maintenance is climbing and downtime is turning unpredictable. The decision builds over months, then gets acted on in a week, when the right second-hand unit appears.
Capacity is the constraint
A new contract, a standing subcontract, a seasonal run. They need the unit before the work starts, and that work is usually why a funder looks at the file.
Tax timing
End-of-year purchasing behaviour is real in transport: the accountant raises it, the dealer markets to it, and volume follows the calendar. Whether any of it is deductible is a question for their accountant, not something the lead answers.
They rarely open with a loan amount. They open with the unit: what it is, where it is, when they need it, and often that someone else looked at it yesterday.
Many have only ever financed through a dealer's finance office, so they describe an offer they were quoted at the counter rather than a structure they chose.
- Exactly what the asset is. Make, model, build year, kilometres or engine hours, new, used or demo. Age and hours move appetite most.
- Where it is coming from. Dealer, private sale or auction. A private sale changes the paperwork, the inspection and, with some funders, the appetite.
- Deposit or trade. Cash, a trade-in unit, both or neither, and the quickest test of whether their plan is realistic.
- Whether there is work behind it. A signed contract, a standing subcontract, a regular run, or a hope. Usually what decides whether the deal is writable.
- Their history. Years driving, years trading in their own name, prior finance, and the licence class for the combination.
- What else is on the books. Other units under finance, other equipment, property. It changes the funder you approach.
Together those answers place most of these deals before you open an application. Late-model units with an experienced operator and work behind them sit with mainstream asset financiers; older units and private sales need a funder that looks at asset age and time in the industry. How far your panel reaches decides how many you write, as covered in leads for asset finance brokers.
Business credit is growing 10.8% year on year (RBA Financial Aggregates, July 2026). The $20,000 instant asset write-off was made permanent from 1 July 2026 for businesses under $10M turnover (passed Parliament, August 2026, subject to Royal Assent). The threshold sits far below the price of a prime mover, so the effect here is indirect: it keeps equipment on the accountant's agenda year-round rather than only in June.
The other reason these enquiries exist is structural. The dealer's finance office is one lender with one answer, and an operator who wants a second opinion has nowhere obvious to go, because most have an accountant rather than a finance broker. Wider demand is covered in the asset finance market in 2026.
Heavy vehicles are one of the asset classes inside our asset finance leads flow, not a separate product: each enquiry carries the asset type and make or model, value, deposit, loan amount, settlement timeframe and whether the unit is new, used or demo. Every prospect confirms their mobile by SMS code before the lead ships, with automated scoring and a human qualification review behind it. Each enquiry is sold once, to one broker, and delivered to your inbox or CRM in real time. Our published contact rate is 72.5%. Pay per lead, no lock-in contracts and no setup fees, quoted on a call by niche and volume, with the drivers set out in what asset finance leads cost.