Financing a fleet is about structure as much as rate. Here’s how to fund multiple trucks without choking cash flow.
Key highlights
- Fund multiple trucks under a master facility or pre-approved limit
- Balloons and matched terms keep repayments aligned to how each truck earns
- Mixing chattel mortgage, lease and CHP may optimise tax treatment
- Refinancing or equity release on paid-down units can fund growth
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Facilities that scale
Rather than unrelated loans, a fleet can be funded under a master facility or pre-approved limit, so adding the next truck is fast. Balloons and matched terms keep repayments aligned to how each truck earns.
Cash flow and tax
Mixing chattel mortgage, lease and CHP across the fleet can optimise tax and balance-sheet treatment — worth planning with your accountant. Refinancing or equity release on paid-down units can fund growth without new cash.
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