Can I get ute finance as a sole trader plumber?

Yes. Most lenders on our panel offer ute and van finance to sole traders with an ABN. Typical requirements include 6-12 months trading history, a valid ABN, and recent bank statements.

What documents do I need for plumber ute finance?

Typically you need a valid ABN, driver's licence, 3-6 months of business bank statements, and details of the vehicle. Low-doc options require less paperwork.

How quickly can I get approved?

Straightforward applications with complete documentation can receive indicative approval within hours. We aim to contact you within 10 minutes during business hours.

Can I finance a used ute or van?

Yes, most lenders finance both new and used vehicles with varying age limits and rate structures.

Can I bundle a canopy or fitout into the finance?

In many cases yes. Some lenders allow you to finance the vehicle and aftermarket fitout together in one facility.

Tipper & Dog Specialist

Tipper & Dog Finance for Operators Who Move Dirt

Finance your tipper truck, dog trailer, or tipper-dog combo. Whether you’re a civil contractor, earthworks operator, or owner-driver hauling aggregate — we find the right lender and get you earning faster.

Get a Fast Quote Check Eligibility

70+ lenderson our panel

Australian teamnot a call centre

Brokers available now

Get Your Quote in 60 Seconds

No obligation. No credit check. We call you back.

What We Finance

Every Tipper and Trailer an Operator Needs

Not generic “truck finance.” We know the difference between a rigid tipper and a prime mover, and which lenders fund them fastest.

Rigid Tippers

Single axle, tandem, and tri-axle rigids. Isuzu, Hino, Fuso, UD and more. The backbone of civil haulage.

Dog Trailers

Steel and alloy dogs. Side-tippers, rear-tippers, and belly dumps. All major manufacturers.

Tipper & Dog Combos

Finance the truck and trailer together in one package. One repayment. Stronger deal for the lender.

Bodies, Trays & Hydraulics

Bundle aftermarket bodies, tipper trays, hydraulics, and mods into your finance. One deal, not two.

Who This Is For

Whether You’re Running One Truck or Twenty

We hear the same stories every week. See if yours sounds familiar.

Owner-Operators

Subcontracting to civil & earthworks companies
Hauling sand, gravel, soil, rock
ABN holders with work contracts

“I’ve been driving for a fleet for 8 years. Just bought my own ABN and need a tipper to start subbing.”

Civil Contractors

Expanding fleet for subdivision projects
Government and council contract holders
Need to deploy assets to site fast

“We just won a council job and need two more rigids on site in 6 weeks. Can’t wait for the bank.”

Earthworks & Quarry

Bulk haulage operations
Pit-to-pad and site-to-tip movements
High utilisation, high-value assets

“We run 12 trucks and need to replace 3 this year without killing cash flow.”

New to the Game

Experienced drivers going out on their own
New ABN with industry background
Specialist new-business lenders available

“The bank said no because my ABN is 5 months old. But I’ve been driving tippers for 15 years.”

How It Works

From First Call to Keys in Hand

No surprises. No bank runaround. Here’s exactly what happens after you hit “Get My Quote.”

You Tell Us What You Need

Fill in the 60-second form or call us. Just the basics: what vehicle, roughly how much, and your contact details.

60 seconds

A Real Broker Calls You Back

An Australian-based specialist calls to understand your situation. Not a chatbot. Not a call centre. A broker who knows plumbing businesses.

Within business hours

We Match You to the Best Lender

We search across our lender panel to find the option that fits your profile, budget, and timeline. You send docs — we do the legwork.

Approved. Settled. On the Road.

You get approval, sign the paperwork, and drive your new ute or van to your next job. That’s it. You’re earning.

Real Results

Tipper Businesses Who Got Sorted

Don’t take our word for it. Here’s what happened when these businesses came to us.

“

Financed a tipper and dog combo. The whole process was 7 days from first call to settlement. Way faster than the bank, and they bundled the body fitout into the same deal.

Mick T.

Owner-Operator, Toowoomba

Settled in 7 days

“

Needed two rigid tippers for a council contract starting in 3 weeks. They got both approved and settled in time. The site foreman couldn’t believe we mobilised that fast.

Jason P.

Civil Contractor, Sydney

2 trucks, 1 application

“

Just started my own tipper business after 10 years working for someone else. They found a lender who backed me based on my experience even though my ABN was only 4 months old.

Ryan M.

New Owner-Operator, Mackay

Approved with new ABN

Questions & Answers

Frequently Asked Questions

Yes. Many lenders allow you to finance a tipper truck and dog trailer as a combined package in one facility. This simplifies your repayments and can make the overall deal more attractive to lenders.

It varies by lender and your profile. Some offer no-deposit for strong applicants. Others want 10–20%. A larger deposit improves your rate and terms.

Yes. Requirements typically include a valid ABN, relevant industry experience (even as an employee), a reasonable deposit, and clean personal credit. The asset itself provides security.

Yes. Most lenders finance new and used. Used assets may have age limits (commonly up to 15–20 years at end of term). We find the best fit.

In many cases, yes. Aftermarket bodies, trays, hydraulics, and mods can often be bundled into the finance. One repayment, not two.