Finance for Truckies and Transport - Without the Bank Headaches
Estimate your Repayments
Why Operators Choose Shaper:
We specialise in moments like this.
Shaper delivers finance that is straight, flexible, future-oriented, and fast. No red tape & no jargon.
Faster, Human Decisions
Your scenario is reviewed properly, not pushed through rigid bank rules.When something needs context, there’s a human looking at it.
Easy apply options (low-doc)
If you've got an ABN and GST registration, that's usually enough.
Flexible Structures for Cashflow/Trades
Balloon options, seasonal repayments, and terms shaped around cash flow - not just interest rates on paper.
Specialist Equipment Finance
That means fewer blanket declines and more sensible structures.
One Local Point of Contact
No call centres, no hand-offs, no repeating yourself.
How it works
Here’s how we'll get you moving.
1. Quick details
2. Specialist review
3. Fast-track outcome
Our Lenders
Our panel and long-standing relationships mean better choice, rates, and more flexibility.
What Our Customers Say
Many of our clients simply text us when they buy equipment.
Not because it’s casual - but because they trust that we'll just get it sorted, without limiting their future.
Frequently Asked Questions:
You can apply to get conditionally approved in minutes. The timeline for full settlement depends on your lender and documentation, but we move as fast as the deal allows. We've had finance settled in 20 minutes, many happen same day, some take days.
If we can get it done fast, we will. We don't sit on things.
No. The pre-qualification check is completely soft - no impact on your credit file, no obligation to proceed.
We only run a formal credit check when you've decided you want to move forward.
It varies by lender and deal structure, but many owner-operators qualify for little-to-no deposit, especially with a strong ABN history. We'll be upfront about what your specific deal requires.
Yes. If your current rate is high or your cashflow needs have changed, refinancing can make real sense.
We'll assess whether the numbers stack up and only recommend it if they do.
A balloon (or residual) is a lump sum at the end of the loan term that reduces your monthly repayments. It suits operators who turn over vehicles regularly, or who want to preserve cashflow during the term. It's not right for everyone - we'll help you model both options so you can see the actual difference.
Yes. Come to us with a vehicle in mind and we'll structure the finance around it.
Or come to us first and know exactly what you can spend before you start shopping - which puts you in a much stronger position when you negotiate.
Not necessarily. If you're ABN-registered and GST-registered for 12+ months, you may qualify for a low-doc loan - which means bank statements instead of full tax returns. We'll work out the best documentation path for your situation.
Age and klicks matter, but they're not automatically dealbreakers.
Specialist equipment lenders assess trucks differently to banks - they look at the asset's working life and your business, not just the spec sheet.
We'll tell you upfront what's realistic.
Yes - and this is exactly where we specialise.
Banks are notorious for knocking back sole traders.
We work with lenders who understand owner-operator cashflows, and we know how to structure the deal to give it the best chance. It's what we do.
Anything commercial - prime movers, semi-trailers, B-doubles, tippers, refrigerated units, flatbeds, crane trucks, car carriers, buses, and light commercial vehicles.
If it's got a business purpose, we can likely fund it.
A bank decline isn't the end of the road. Banks have narrow credit criteria - specialist equipment lenders operate differently and look at the full picture of your business. We get approvals for deals that banks have already said no to. Tell us what happened and we'll give you an honest assessment.