Truck finance for operators whose credit file isn't perfect.
A default, a paid-out debt, or a judgment against you doesn't automatically rule out truck finance. Capital Hill Finance works with specialist non-bank lenders who underwrite the deal on the asset, the cashflow, and the explanation behind the credit event — not just a score.
These deals typically carry higher rates than prime credit and require more deposit (often 20%+), but they let you keep moving when the mainstream banks have said no. Successful applicants usually have: an active ABN, a clean recent trading record, and a credible plan for the truck.
A paid-out default, satisfied judgment, or a credit event with a genuine explanation does not automatically rule out finance — specialist lenders assess these case by case, and approval is always at the lender's discretion. We can refer your enquiry to lenders who consider impaired-credit applications.
5-minute enquiry — we'll refer your details to a licensed credit specialist for review.
No. We arrange commercial asset and equipment finance for business borrowers from a panel of accredited Australian lenders. We are not a credit provider ourselves, and any credit contract is between you and the lender.
No fee for the enquiry. Some lenders charge an establishment fee on the loan itself if it proceeds — that's disclosed up-front before you sign anything.
Initial response within one business day. Final approval depends on the supporting documents and lender — typically 2-5 business days.