Yes — no-deposit truck finance is very possible for asset-backed operators. Here’s when lenders fund 100% and how to improve your chances.
Key highlights
- No-deposit finance is very possible for established, asset-backed operators
- Lenders may fund up to 100% of the price, using the truck as security
- Clean credit, an established GST-registered ABN or property ownership all help
- A small deposit can still lower the rate, so it's worth comparing both
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When zero deposit works
For established ABN holders with a solid credit profile, lenders will often fund up to 100% of the truck’s price — sometimes on-road costs too — using the truck itself as security. That keeps your cash working in the business instead of tied up in a down payment.
What helps
A clean credit history, an established GST-registered ABN, or property ownership all improve a no-deposit approval and the rate. A small deposit can still lower the rate, so it’s worth comparing both.
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