Can a Truck Actually Pay for Itself? What to Work Out Before You Sign Truck Finance
Every week, someone walks into a broker’s office convinced the truck will pay for itself. Sometimes it does. But for a growing number of owner-drivers in Australia, 2026 is proving that the maths only works when you have actually done it. At Riverwalk Finance, we arrange truck finance for operators who go on to build […]
Dealer Finance Looks Easy at the Showroom. But Here Is What It Actually Costs Compared to a Broker-Arranged Car Loan
Most Australians spend more time comparing the car than comparing the car loan. And dealerships know it. That is exactly why dealer finance exists at the point of sale, right when your guard is down and your excitement is up. Dealer-arranged car loans in Australia consistently cost more than loans arranged through an independent broker. […]
Banks Are Tightening Commercial Lending. Here Is Why Your Next Chattel Mortgage Will Probably Come From a Non-Bank Lender
If you are a business owner looking to finance a vehicle or piece of equipment through a chattel mortgage, you have probably noticed something has changed. The major banks are not as eager to lend as they once were, and the alternatives are growing fast. Through FY26, Australia’s commercial lending landscape shifted in a meaningful […]
Chattel Mortgage for Trucks: How It Works in Australia
Buying a truck is one of the biggest financial decisions an owner-driver or transport business will make. A chattel mortgage is the most common way Australian businesses fund that purchase — and for good reason. From the moment you sign, the truck is yours. You own it outright, operate it under your own name, and use it […]
How to Finance Your Second Truck as an Owner-Operator
Getting your first truck financed was one thing. You were building a case from scratch — a relatively new ABN, a few BAS statements, and a lot of optimism about what the work ahead would generate. Financing your second truck is a different conversation entirely, and in most ways, a better one. If you have been making […]
Melbourne Business Owners Are Quietly Switching to Non-Bank Loans in 2025. Here’s the Reason Your Accountant Probably Hasn’t Told You
If you have ever applied for business loans in Melbourne through one of the Big 4 banks and walked away empty-handed, you are in good company. Survey evidence consistently shows that approval rates for SME loans under $1 million sit between just 25 and 35%, meaning roughly two in three Melbourne business owners get turned […]