Prime movers
Heavy Vehicle Finance Perth
Heavy Vehicle Finance Perth
Western Australia runs on heavy transport, and the distances here are unlike anywhere else in the country. PTR Finance Group arranges heavy vehicle finance for Perth and WA operators moving freight, plant and produce – from a single prime mover to an expanding road-train fleet.
Prime Movers | Road Trains | B-Doubles | Transport Fleets | Refinancing
Heavy vehicles are a serious investment, so the finance behind them needs to be structured properly. Our brokers arrange prime mover finance, road train and B-double packages, and full fleet finance with terms and balloon payments set to match how your trucks earn. Where it makes sense, we can finance the truck and its trailer together under one facility.
We also help established transport businesses refinance existing heavy vehicles to free up working capital or consolidate repayments during quieter periods. With access to a panel of specialist transport lenders, we compare the market for you rather than pushing a single bank's product.
We arrange finance for the full range of heavy vehicles, including:
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Road trains & B-doubles
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Rigid heavy trucks
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Semi-trailers
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Buses & coaches
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Fleet purchases & upgrades
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Refinancing of existing units
Buying a smaller rig or specialised trailers as well? See our truck finance and trailer finance pages, or civil & mining finance if you move plant and earthmoving gear. Ready to move? Request a quote and we will structure the right package for your fleet.
Frequently Asked Questions
What counts as a heavy vehicle for finance purposes?
Generally any vehicle with a gross vehicle mass above 4.5 tonnes – prime movers, rigid heavy trucks, road-train combinations, buses and coaches. If you are unsure where your vehicle sits, tell us the make and configuration and we will confirm the right finance category.
Can you finance an entire transport fleet?
Yes. We arrange fleet finance covering multiple vehicles under a single, coordinated facility, which makes repayments and reporting far simpler than juggling separate loans. We can also stagger drawdowns as you take delivery of each vehicle.
Can I finance a prime mover and trailer together?
Often, yes. Many lenders will fund a prime mover and its trailer on the one contract, or on linked facilities settling at the same time. If you would rather keep them separate, our dedicated trailer finance can run alongside your prime mover loan.
Do you finance road trains for WA's long-haul routes?
We do. Road-train and multi-combination finance is a core part of what we arrange for Western Australian operators. Lenders will look at the configuration, your routes and your operating history, and we match you with the ones most comfortable funding long-haul WA work.
Can I refinance my existing heavy vehicles?
Yes. Refinancing existing heavy vehicles can free up equity for working capital, lower your repayments or consolidate several loans into one. We will review your current facilities and show you whether refinancing stacks up.
What terms and balloon options are available?
Heavy vehicle finance terms typically run from two to five years, with the option of a balloon or residual payment at the end to keep monthly repayments lower. The right structure depends on how long you plan to keep the vehicle and your cash-flow preferences, which we will map out with you.
