Refrigerated transport is one of the fastest-growing sectors in Australia, and the 8–10 pallet refrigerated truck has become the workhorse of the industry. Whether you’re delivering food to supermarkets, transporting pharmaceuticals, or expanding an existing courier fleet, securing the right finance structure can make all the difference to your cashflow and long-term profitability.
For many small and medium operators, these trucks sit in the ideal range of affordability and load capacity. A well-structured finance plan allows you to preserve working capital, scale faster, and take on higher-value contracts without overstretching cash reserves.
If you already run a small transport operation, you’ll know that traditional bank lending can be slow, document-heavy and restrictive. This is why many operators instead use more flexible commercial lenders through our Small Business Car Loans page:
https://financetheride.com.au/pages/small-business-car-loans
The purchase price for an 8–10 pallet refrigerated truck typically sits between $150,000 and $230,000 depending on kilometres, refrigeration unit type, body build and whether the truck is purchased new or used. Because this vehicle directly generates income, commercial lenders view it favourably, especially when financed under an equipment loan rather than a consumer-style vehicle loan.
Businesses looking to expand their fleet can also benefit from our broader Equipment Finance options, which are built specifically for commercial assets such as refrigerated trucks, trailers, delivery vehicles and civil machinery:
https://financetheride.com.au/pages/equipment-finance-australia-fast-low-doc-equipment-loans
Some operators work across multiple industries, especially construction and transport. In these cases, lenders often approve multiple assets under the same low-doc facility. Contractors who run tippers, skid steers or excavators alongside their delivery vehicles can learn more through our Construction & Earthmoving Equipment Finance category:
https://financetheride.com.au/pages/construction-earthmoving-equipment-finance-australia-low-doc-abn-loans
The same applies for agricultural businesses transporting perishable produce between farms and distribution centres. Mixed-fleet operators can explore additional options here:
https://financetheride.com.au/pages/agricultural-farming-equipment-finance-australia-low-doc-abn-loans
Commercial loans for refrigerated trucks can be structured as chattel mortgages, commercial leases or rent-to-own arrangements, depending on your cashflow, ABN age and financials. Many buyers prefer terms that align with their contract cycles so repayments stay predictable throughout quieter periods.
Upgrading an existing truck with a newer refrigeration unit, purchasing a late-model replacement, or adding an additional vehicle to your fleet can all be funded through similar structures. Even private-sale purchases can be financed quickly if the seller provides basic asset details.
If you’re ready to finance an 8–10 pallet refrigerated truck, the first step is a quick eligibility check. The process is fast, obligation-free, and doesn’t affect your credit score. A well-financed refrigerated truck doesn’t just expand your fleet — it expands your business opportunities.
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.
