Transport Business Loans to keep your trucks on the road.
Unsecured working capital for trucking, logistics and owner drivers — to keep the fleet moving and the costs covered.
Freight doesn't wait for invoices to clear. A transport business loan from Business Loan Co is unsecured working capital — for fuel, rego, tyres, repairs and wages — so your trucks keep earning while slow-paying customers catch up.
Application to funds — measured in days, not weeks.
Because we're the actual lender, your application doesn't bounce between brokers, panels and credit teams. One Adelaide-based team, one decision, one source of the money.
Start your applicationHow transport operators use it.
It's one loan you can spend however the business needs — these are the reasons transport businesses borrow most often. There are no restrictions on how you use the funds.
Rego & insurance
Keeping every truck registered, insured and compliant.
Fuel
Filling up across the run without straining cash flow.
Tyres
Replacing rubber before it turns into a breakdown.
Repairs & servicing
Scheduled maintenance and the unexpected fixes.
Driver wages
Paying drivers on time, every run.
Bridging invoices
Covering costs while slow freight invoices clear.
Three things to apply.
We look at the health of your business — not big-bank-style thresholds. If you're trading and your cash flow is real, you can almost certainly apply.
Australian business with an ABN
You must hold an active ABN. We lend to companies, trusts, partnerships and sole traders.
At least 6 months of trading history
Newer than that and we won't have enough of a picture to underwrite responsibly.
Monthly turnover from $5,000
We look at the health of your cash flow more than any single threshold — but $5K/month is the floor.
A direct lender — not a broker.
Most "business loan" sites in Australia are brokers who pass your application to a panel and take a commission. We're the actual lender — we fund the loan ourselves, from our own book, out of our Adelaide office. The person who picks up the phone is the person making the decision.
Apply nowWe fund it ourselves
Your application stays with us — assessed, approved and funded in-house. No panel, no shopping around.
A real person on the phone
A lending specialist in our Adelaide office reviews your application and calls to confirm the details.
Pricing confirmed before you sign
Your specialist sets out the amount, term and repayments in plain dollars before you commit to anything.
A quote first. Then you decide whether to apply.
Your quote builds inside the application — you'll see the numbers before you submit anything. Here's the whole process, start to finish.
Apply online
A short form, about ten minutes. Your quote — amount, term and repayments — builds on screen as you go.
See it, then decide
Nothing's submitted until you're happy. If the numbers work, submit; if not, walk away — no cost.
A specialist reviews it
A real lending specialist in our Adelaide office reviews your application and calls to confirm the details.
Get funded
Once you sign, approved customers are often funded the next business day, straight to the business account.
A quote is provided within the application, and you decide whether to proceed at that point. Loans are subject to eligibility and assessment — approval is never guaranteed. Pricing is confirmed by your lending specialist before you sign. Business Loan Co is a direct lender. ACN 609 323 337.
Questions transport businesses ask.
The product is the same for everyone — these are the questions we hear most from transport operators. The full FAQ covers eligibility, repayments and support.
Read the full FAQIt depends on the loan size and your situation. Many of our smaller loans don't require security over your assets; larger loans may. Your lending specialist will explain exactly what's needed before you commit.
Yes. We lend to sole traders, companies, trusts and partnerships. If you hold an active ABN, have 6+ months of trading history and turn over from $5,000 a month, you can apply.
Most applications get a decision within hours of a complete application, and approved customers are often funded the next business day. Approval is always subject to assessment — we never promise a guaranteed outcome.
Rego, insurance, fuel, tyres, repairs, servicing, driver wages, or bridging slow-paying freight invoices — however the business needs it. The use of funds is up to you.
Get a real answer
from a real person.
10-minute application. Decision within hours. Funds, often the next day.