Sunstate Financial Group is the finance team inside Sunstate Truck Group. Chattel mortgages, leases, rent-to-buy, low-doc and no-deposit finance are all arranged in-house, and each facility is structured around the truck, the work it does and the cash flow of the business.
Ownership, lease and rental structures are all arranged in-house. Each one is matched to how the business runs, how it is taxed and how its cash flow moves through the year.
The business owns the truck from delivery, and the lender holds a mortgage over it until the final payment.
SuitsBusinesses that want to own the truck and claim the GST up front.
The lender buys the truck and leases it to the business at a fixed rental, with a residual value agreed at the start.
SuitsOperators who prefer fixed rentals and want cash kept in the business.
A fixed monthly rental for an agreed term and distance. At the end of the term the truck is returned or upgraded.
SuitsFleets that replace trucks on a cycle and want a known monthly cost.
A rental with the option to purchase, assessed on the truck and the work behind it rather than the credit file.
SuitsNew ABNs, businesses declined elsewhere, and operators who want the truck off the balance sheet.
Every facility can be shaped around the business, whichever structure it uses.
For established ABN holders without full financial statements.
For approved applicants, with cash or trade-in deposits also accepted.
Sized to the term and the truck to bring the regular repayment down.
Weekly, fortnightly or monthly, with seasonal structures where the work is seasonal.
Financed with the truck under one contract, or on their own.
Dealer stock, trade-ins and private sales, with any payout on a trade-in settled as part of the deal.
Lower existing repayments, or release equity from trucks already owned.
One approval covering several trucks over the year, drawn down as each one arrives.
Annual truck and fleet premiums paid by the month.
The team works with these industries every day and knows how they are paid, from contract haulage and civil tenders to council contracts and seasonal peaks. The finance is structured around that.
Prime movers, rigid trucks and tautliners, plus refrigerated and tanker units, from a first truck to a full fleet.
Tippers, truck and dog combinations, water carts and float trucks for earthmoving, roadworks and site work.
Agitators, concrete pumps, crane trucks and tilt trays, financed with the body fitted.
Hook-lifts, vacuum trucks, sweepers and compactor bodies for council and contract services.
Finance is quoted alongside the truck and the application is prepared at the dealership. One finance specialist handles the quote, the approval and the settlement.
Online, by phone or at the dealership. A driver licence and an ABN are enough to start, and a pre-approval can set the budget before the truck is chosen.
Standard applications are usually approved the same day, so the truck can be secured with finance in place.
Loan documents are issued for electronic signature, with each term explained before signing.
The lender settles directly with Sunstate Truck Group and the truck is released for delivery.
Indicative repayments on a chattel mortgage, paid in advance. The rate depends on the truck, the business and the strength of the application. Apply below for a written quote.
Repayments in advance, with any balloon due at the end of the term. Excludes fees and charges. Results are an indication only and do not constitute an offer of finance.
Send the details below and an SSFG finance specialist will call you within one business day to discuss the finance. A pre-approval carries no obligation.
