Sydney, NSW
Truck finance broker in Sydney, rated 5.0 from 340 Google reviews.
Lyft Money is a Parramatta-based, licensed truck finance broker (ACL 541052) comparing truck, prime mover and trailer finance across 48+ lenders for businesses in Sydney. One broker, every option explained in writing, nothing submitted until you say go.
340 client reviews
One broker from your first call through to funding.
See which options fit your Sydney business.
Tell us what the money needs to do. A Lyft Money broker compares 48+ lenders and explains the rate, fees and total cost before you decide.
Access to 21+ truck finance lenders
Lenders on our panel that fund truck finance.
At a glance
The broker at a glance.
- Google rating
- 5.0 from 340 reviews
- Lender panel
- 48+ lenders
- Licence
- ACL 541052 · AFCA 93387
- Office
- Level 14, 3 Parramatta Square
- Hours
- Monday to Friday, 8:30am – 5:30pm
- Indicative truck finance rates
- 7% – 16.5% p.a.
- Typical speed
- 24–72 hours for established operators
Rates are indicative ranges observed across our panel. Your rate depends on the lender, the asset and your file.
Choosing a broker
What a truck finance broker in Sydney should do for you
A good broker widens your options and narrows your risk: more lenders in play, the trade-offs explained before you commit, and one person accountable from quote to settlement.
A truck finance broker sits between you and the lenders. Instead of applying to one bank and taking whatever comes back, the broker checks your situation against a panel of lenders, tells you which ones are likely to say yes and on what terms, and runs the application so you are not repeating yourself. For business finance the broker also structures the deal: term, balloon, security and documentation level all change the rate and the approval odds.
How to choose a truck finance broker in Sydney
- Licence and membership. Search the Australian Credit Licence on ASIC's register and confirm AFCA membership. Lyft Money holds ACL 541052 and is AFCA member 93387.
- A real panel. Ask how many lenders they compare and whether they show you more than one option. Our panel is 48+ lenders, listed on this page.
- Paid how, and disclosed when. Lender commission is normal; it should be disclosed before you sign, not after.
- Reviews you can read. Look for volume and recency, not just a star rating. Ours are on Google: 5.0 from 340 reviews.
- Local knowledge. A broker who knows Sydney knows which lenders like the local industries and which assets settle quickly here.
How Lyft Money works in Sydney
Lyft Money is a Sydney business. Our office is at Level 14, 3 Parramatta Square, and Anthony, Stefan and Kris regularly meet clients on site across the metropolitan area — at a yard, a workshop or a clinic rather than in a branch. Documents are handled online and settlements are arranged Australia-wide, so a Sydney client and a supplier in another state is routine.
Trucks in Sydney work Port Botany, the intermodal terminals at Enfield and Moorebank, and last-mile distribution across a sprawling metropolitan area. Traffic and access restrictions push many operators toward rigid trucks and smaller vans rather than B-doubles, and toll costs are a real line item. We match the term to the contract the truck is servicing and check the repayment holds up against realistic running costs including tolls and Sydney fuel prices.
Questions to ask any broker
- Which Australian Credit Licence do you operate under, and are you an AFCA member?
- How many lenders do you actually compare, and can you show me more than one option?
- How are you paid, and will you disclose the commission before I sign?
- Who handles my file after settlement if something changes?
- What can you settle in a week, and what takes longer?
What you get with Lyft Money
A named broker who compares truck, prime mover and trailer finance across 48+ lenders, explains the rate, fees, balloon and total cost in writing, and submits nothing until you say go. We are a broker, not a lender, and we say so on every quote.
Why Sydney borrowers use a broker
Sydney is Australia’s largest business economy, dominated by financial and professional services in the CBD, technology and media through the inner suburbs, and a vast base of construction, logistics and light manufacturing spread across the west and south-west. Commercial rents and wage costs are the highest in the country, so businesses here carry more fixed overhead and feel payment delays faster than operators in smaller markets.
Commonly financed in Sydney
- Ute
- Van
- Excavator
- Business car
- IT hardware
A clear next step
How it works in Sydney.
Our AI helps check lender fit across 48+ lenders. Your broker reviews the options and explains what they mean for you.
- 01
Truck and work
Make, model, year, kilometres, build specification and the contract or freight task it will service.
- 02
Match lender to profile
Your broker places established operators and first-time owner-drivers with lenders that have appetite for each.
- 03
Inspection and settlement
PPSR search, inspection for private sales, then funds are paid to the seller.
- Driver licence, ABN and any operator accreditation
- Invoice or sale contract, plus service history for used trucks
- Freight contract, bank statements or financials depending on profile
The lender makes the final credit decision. Available options depend on your business and the lender’s assessment.
Before you make a decision
Estimate your truck finance repayments.
Adjust the amount, rate and term to see the repayment and the total cost over the term.
- Number of repayments
- 60
- Balloon at end of term
- $27,000
- Total interest (est.)
- $42,727
- Total repaid (est.)
- $177,727
This calculator is a guide only. It uses simplified assumptions, excludes fees and charges unless stated, and is not an offer or quote. Actual repayments are confirmed by the lender in its loan contract.
From Lyft Money clients
Clear advice.
People who stay in touch.
Rated 5.0 from 340 Google reviews across the types of finance we arrange. Read them on Google.
“keeping us informed every step of the way”
“He explained all the financing options clearly”
“helped out my business”
Finance we arrange in Sydney
Recently settled in Sydney
- Invoice finance facility for a growing labour hire firm — $750,000
- Dental practice upgrading two surgery chairs — $132,000
Industries we know in Sydney
Assets commonly financed in Sydney
Straight answers
Truck finance broker Sydney: your questions.
Have a question?
Talk to us: 1800 005 938Do I need to come into the Parramatta office?
No. Most Sydney clients deal with their broker by phone, email and video, and sign electronically. The office at Level 14, 3 Parramatta Square is there if you prefer to meet in person; hours are Monday to Friday, 8:30am – 5:30pm.
What does a truck finance broker cost in Sydney?
In most cases nothing directly. The lender pays Lyft Money a commission when the loan settles, and we disclose it before you sign. Where a fee applies, for example on a complex or private deal, it is quoted in writing before any work starts. You are never charged for a comparison or a quote.
How do I check a finance broker is legitimate?
Search the broker's Australian Credit Licence on ASIC's Professional Registers and confirm they are a member of the Australian Financial Complaints Authority (AFCA). Lyft Money operates under ACL 541052 and is AFCA member 93387. Then read recent Google reviews and ask how many lenders they compare and how they are paid.
Is Lyft Money a lender or a broker?
We are a finance broker. We compare suitable options from our lender panel and help you through the process. We explain any broker fee and how we are paid before you proceed. The lender assesses and decides the application.
Can I get low-doc truck finance?
Yes, for established operators. Low-doc truck finance is generally available up to around $150,000 to $250,000 for businesses with an ABN of two years or more, a clean credit file and, often, property ownership or a deposit, without financials. Amounts above that, or newer operators, usually need financials or a contract. Approval is often within 24 to 72 hours once the truck details are in.
Do I need a deposit for truck finance?
Established operators with financials can usually finance 100 per cent of the price. New owner-drivers are generally asked for 10 to 20 per cent, either as cash or a trade-in, and a deposit also improves the rate and widens the panel of lenders. Some lenders will accept equity in property in place of a cash deposit.
How quickly can truck finance be approved?
Established operators are often approved within 24 to 72 hours and can settle as soon as the dealer invoice and insurance are in place. New owner-drivers and private sales take a few days longer for contract verification and inspection. If a truck is on hold with a dealer, tell your broker so the approval is prioritised.
Will checking my options affect my credit file?
Making an initial enquiry is not the same as applying to a lender. We discuss your circumstances and likely options first. Your broker will explain any credit check that is required and obtain your consent before proceeding.
Do I have to proceed after enquiring?
No. You can review the options and ask questions before deciding. Nothing is submitted to a lender without your go-ahead.
How many lenders does Lyft Money work with?
We hold accreditations with a panel of more than 18 lenders, spanning major banks, non-bank asset financiers, specialist commercial funders, invoice and trade finance providers and short-term fintech lenders. A panel matters because credit appetite varies enormously: an asset or an industry that one funder avoids may be routine for another. We select from the panel based on your circumstances rather than sending the same application everywhere.
Sydney business. Your decision.
See your options.
Know the costs.
Decide with confidence.
One broker to explain it. Clear numbers before you proceed.
No obligation to proceed.