Why transport & logistics operators use private credit
Transport operators are capital hungry and payment-terms poor: fuel, wages and maintenance go out weekly while customer terms run 30 to 60 days. Add a new contract requiring immediate capacity and the working capital gap widens fast. Envision Private arranges business-purpose facilities secured by Australian real property — depots, yards, warehousing or director-held investment property — so operators can mobilise now and refinance once the contract is seasoned.
Common funding scenarios
- Purchasing a depot, yard or warehousing facility
- Mobilising capacity for a newly awarded freight contract
- Bridging the gap between weekly costs and 30–60 day customer terms
- Paying out an ATO position to protect operating accreditation and terms
- Refinancing high-cost short-term business lending into a secured facility
- Releasing property equity to fund fleet or infrastructure investment
Security we consider
- Industrial depots, yards and warehousing
- Commercial property held by the operating entity or directors
- Residential investment property held by directors or related entities
- Second-ranking security behind an existing bank facility
Frequently asked questions
Do you lend against trucks, trailers or equipment?
No. Envision Private lends only against registered mortgage security over Australian real property. Equipment can form part of the broader picture but not the security.
Can you fund an ATO payment arrangement?
In many cases, yes — where there is sufficient property equity and a credible exit such as a refinance or asset sale.
How fast can funds be available?
Caveat facilities can settle in 48 to 72 hours; registered mortgages typically settle within 5 to 10 business days of indicative terms.
What is the minimum loan size?
Facilities generally start at $250,000 and extend to $20 million or more depending on the security and structure.
Important: Envision Private is not an NCCP-regulated lender. We arrange business and investment purpose loans only, funded by wholesale, sophisticated and professional investors, HNW individuals and family offices.