Yes — You Can Finance a Side-Tipper Trailer
If you're planning to purchase a side-tipper trailer, you can absolutely finance it — even if you're operating with a new ABN or expanding your business quickly. With most side-tipper trailers costing between $130,000 and $190,000, financing allows you to secure the asset without impacting cashflow or delaying contract work.
Applying through a broker gives you a significant advantage. Banks often misunderstand side-tippers and classify them under generic trailer rules, which leads to unnecessary paperwork, slower approvals and avoidable credit enquiries. A broker knows exactly which lenders specialise in civil and bulk haulage equipment, allowing you to get approved faster and on better terms.
Why Side-Tippers Are Essential in Civil & Mining Transport
Side-tipper trailers are highly valued in civil construction, quarrying, large-scale earthworks, mining haulage and regional bulk transport. Their ability to safely tip loads from the side — even in confined or uneven areas — makes them far more practical than rear tippers in many job environments.
These trailers are commonly used for transporting:
• aggregates
• gravel
• spoil
• crusher dust
• ore
• sand
• bulk materials for infrastructure projects
Because they generate consistent revenue on contract-based work, lenders view side-tippers as strong commercial assets.
Finance Options Suitable for Side-Tipper Trailer Purchases
Transport and civil operators typically use commercial finance structures such as chattel mortgages, commercial leases or rent-to-own arrangements. These finance products preserve business cashflow while allowing the trailer to begin generating income immediately.
If you are working under a simple ABN setup or need flexible approval requirements, you can explore low-doc pathways here:
https://financetheride.com.au/pages/small-business-car-loans
For operators financing multiple trailers or expanding a bulk-haulage fleet, our Equipment Finance hub provides access to commercial lenders who specialise in transport equipment:
https://financetheride.com.au/pages/equipment-finance-australia-fast-low-doc-equipment-loans
Side-Tipper Operators Often Finance Construction & Agricultural Equipment Too
Because these trailers are heavily used in civil construction and mining, many operators also finance machinery such as excavators, loaders, water carts, skid steers or tippers. Lenders may allow these additional assets to be financed under a single low-doc facility. More information is available here:
https://financetheride.com.au/pages/construction-earthmoving-equipment-finance-australia-low-doc-abn-loans
Operators who transport materials to and from agricultural sites may also benefit from flexible agricultural lending pathways:
https://financetheride.com.au/pages/agricultural-farming-equipment-finance-australia-low-doc-abn-loans
Why Using a Broker Gives You Better Outcomes
Side-tipper trailers are specialised and not all lenders understand their valuation, income potential or commercial application. A broker ensures your application is sent directly to lenders who already fund these assets, preventing delays and unnecessary credit hits.
With a broker, you benefit from:
• faster approvals
• fewer credit file enquiries
• competitive loan structures
• repayment options matched to contract income
• smoother dealer or private-sale purchases
This is why most experienced civil and mining operators avoid dealing with banks directly.
Ready to Finance Your Side-Tipper Trailer?
Start with a quick eligibility check. It’s fast, obligation-free and won’t impact your credit score. With the right finance structure, your side-tipper trailer becomes a high-earning asset that supports long-term business growth.
DISCLAIMER
The information provided on this website is general in nature only and has been prepared without considering your financial needs, circumstances and objectives and should NOT be construed as financial, taxation or legal advice. For more information, get in touch with our experienced partner brokers today.
