Business Finance
Funding to keep your fleet moving.
Business loans and asset finance for truck owners, fleet operators, contractors, and civil businesses in South Africa. Paired with on-demand insurance from day one.
Why finance through Truck & Plant On-Demand?
We understand the civil, construction, and transport industries because we insure them every day. That means we can connect you with finance products that actually fit how your business works — and pair them with flexible insurance from the start.
Powered by Pollen Finance
We've partnered with Pollen Finance to offer business loans tailored to the needs of fleet owners, contractors, and operators. Pollen understands asset-heavy businesses and structures funding accordingly.
Finance + Insurance in one place
When you finance through us, we can arrange on-demand insurance for your new assets from day one. No separate broker, no delays — your truck or plant is covered the moment it starts working.
Finance options
Whether you're buying new equipment, bridging a cash flow gap, or refinancing existing assets — there's a product for your situation.
Asset Finance
Fund the purchase of trucks, trailers, yellow machines, and engineering plant. Spread the cost over time while your assets earn from day one.
Good fit for: Fleet owners expanding capacity, contractors acquiring plant for new projects, and farmers investing in equipment.
Working Capital
Bridge cash flow gaps between project milestones, seasonal slowdowns, or late payments. Keep operations running without selling assets or taking on expensive short-term debt.
Good fit for: Transport operators waiting on freight payments, contractors between project phases, and businesses managing seasonal demand.
Fleet Funding
Finance multiple vehicles or machines under a single facility. Structured to match your fleet's earning cycle and operational requirements.
Good fit for: Growing fleets, plant hire companies scaling up, and businesses replacing ageing equipment across multiple units.
Equipment Refinance
Unlock capital tied up in equipment you already own. Use the value of your existing assets to fund growth, repairs, or new opportunities.
Good fit for: Established operators with paid-off or partially paid assets looking to free up cash without selling.
How it works
Getting business finance through Truck & Plant On-Demand is straightforward.
Tell us what you need
Whether it's asset finance, working capital, or fleet funding — start by telling us about your business and what you're looking to achieve.
We match you with the right product
Through our partnership with Pollen Finance, we connect you with funding options suited to your industry, asset type, and business profile.
Get funded and get moving
Once approved, funds are released so you can acquire assets, cover costs, or invest in growth — while we handle the insurance side too.
Ready to apply?
Start your Pollen Finance application now — or talk to us first if you want guidance on the best option for your business.
Also visit needaloan.co.za for more information.