Your Trusted Truck Finance Experts in Melbourne

A low-doc loan is finance for borrowers who can’t supply full financials.

• Suits self-employed, sole traders and ABN holders
• Uses bank statements, BAS or an accountant’s letter instead of tax returns
• Available across car, truck, equipment and business finance
• Assessed on your income activity and overall position

It opens the door when standard paperwork isn’t available.

A bank can only offer you its own products and rates. A broker compares many lenders at once, so you see options rather than a single answer.

At Riverwalk we work across more than 30 banks and non-bank lenders, then negotiate and manage the application for you, which often means a better fit with less legwork on your side.

We arrange finance for both personal and business needs.

• Car finance for new and used vehicles
• Truck and van finance for commercial use
• Equipment finance for machinery and business assets
• Personal loans for individual needs
• Unsecured business loans and overdrafts for working capital

Whatever you need funded, there’s likely an option to suit.

Not always. Many asset loans can be arranged with no deposit, since the vehicle or equipment itself acts as security for the loan.

A deposit can still help by lowering your repayments or improving your terms, and we’ll let you know where it makes a difference before you commit.

It makes sense when timing gaps put pressure on your working capital.

• Covers wages, rent and supplier payments
• Bridges the wait between invoices and income
• Needs no asset as security
• Is assessed mainly on business performance

It keeps your business moving when cash is tight.

Possibly. A past credit issue doesn’t automatically rule you out, as different lenders weigh credit history in different ways.

Because we deal with both banks and non-bank lenders, we can look for options suited to your circumstances rather than relying on one set of rules. We’ll be upfront about what’s realistic.

Yes, self-employed borrowers are welcome across most industries.

• Sole traders and ABN holders can apply
• Company directors are eligible
• Trust structures are supported
• Low-doc options may suit those without full financials
• Income history and bank statements are assessed

Your income type won’t shut the door on finance.

It depends on the lender and how complete your documents are, but asset finance can move quickly once everything is in hand.

We submit your application on your behalf and chase it through, so straightforward cases can be approved fast and you spend less time waiting.

The two rate types affect your repayments in different ways.

• Fixed rates stay the same for the agreed term
• Variable rates can rise or fall with the market
• Fixed gives you repayment certainty
• Variable can offer flexibility and potential savings

The right choice depends on your budget and comfort with change.

We start with a quick assessment of your situation, then match you with suitable lenders from our panel and confirm what you’ll need to provide.

From there we handle the application and guide you through every step to settlement, keeping you updated so you’re never left wondering where things stand.