Can UK Business Loans put me in touch with lenders for van, truck or fleet finance (HP, lease, contract hire)?

Short answer: Yes — UK Business Loans can match your company with lenders and brokers who specialise in van, truck and fleet finance (hire purchase, finance lease or contract hire). We don’t lend money ourselves; we introduce your business to the finance partners most likely to meet your needs and get you a fast, no‑obligation quote. Start a Free Eligibility Check and we’ll match you today: Get Quote Now.

What UK Business Loans can do for vehicle & fleet finance (summary)

If your limited company, LLP or corporate fleet needs funding from around £10,000 upward, UK Business Loans can take a short enquiry and introduce you to lenders and brokers who specialise in commercial vehicle finance. We’ll use the information you provide to select partners who understand your vehicle type and sector so you receive targeted, relevant quotes fast. We are an introducer — the lender or broker you’re matched with provides the full quote, decides credit terms and issues any contract.

Free Eligibility Check — it takes two minutes, is no obligation and does not affect your credit score at enquiry stage.

Vehicle finance options we can connect you to

Our panel includes providers who offer the main commercial vehicle funding types. Below is a plain-English summary of each so you can decide which suits your plans.

Hire Purchase (HP)

• Fixed monthly payments with the option to own the vehicle at the end of the agreement (after final payment/option to purchase).
• Suitable if you want eventual ownership and predictable budgeting.

Finance Lease

• Lender owns the vehicle while you make contractual payments for a set period; at term end there are often options (e.g., purchase, renew, return).
• Often used when ownership is not required immediately and tax/treatment is a consideration.

Contract Hire (Operational Lease)

• Essentially long‑term rental: fixed monthly rentals, optional maintenance packages, usually no ownership at term end.
• Good for businesses that want fleet management, predictable costs, and regular renewal without holding assets on balance sheet.

Asset finance / Chattel mortgages

• Options for specialist trucks, conversions or where vehicles act as security for finance.

Fleet funding & blended packages

• Multi‑vehicle funding, staged renewals, mixed finance types across a fleet — providers on our panel can structure bespoke programmes for fleets of varying sizes.

To get personalised suggestions on which route suits you, complete a quick form: Get Quote Now.

Who we match you with — lenders, brokers & specialists

We don’t lend; we introduce. That means:

• We connect you to UK lenders and brokers experienced in vehicle and fleet finance.
• Our partners include national banks, specialist vehicle funders and independent brokers who know niche vehicle markets (refrigerated units, tipper conversions, HGV conversions, etc.).
• The final quote, terms and contract come from the lender or broker who contacts you after referral.

If you consent, we’ll only share your enquiry with partners relevant to your request and industry. Free Eligibility Check.

How our matching process works — simple 4‑step checklist

1. Complete our short enquiry (2 minutes) — provide business details, vehicle type, finance type and amount required.
2. We match your enquiry to the most suitable lenders and brokers in our panel.
3. Selected partners contact you directly — often within hours during business days — to request documents and issue quotes.
4. Compare offers, choose the best fit, and progress with the lender/broker you prefer. There’s no obligation to proceed.

We only pass details to partners necessary to get a quote; you’ll be asked to consent before we share. Start Your Enquiry.

Who this is suitable for — typical businesses & scenarios

Our service is aimed at limited companies, LLPs and established business fleets. Typical users include:

• Transport & logistics operators replacing or expanding van and HGV fleets.
• Construction and contracting firms needing tippers, flatbeds or plant‑transport trucks.
• Courier companies and delivery businesses refreshing multi‑van fleets.
• Food‑service and refrigerated freight businesses financing specialist vehicles.

We most commonly handle enquiries for finance packages from approximately £10,000 upwards (single vehicles or multi‑vehicle programmes). Get Quote Now.

What lenders will assess — be prepared

Providing accurate information upfront speeds up quotes and improves match quality. Lenders and brokers will typically consider:

• Business details: company age, ownership structure, turnover, recent accounts.
• Vehicle specifics: make, model, age, mileage, intended usage and any modifications.
• Fleet size and desired term, maintenance or uplift requirements.
• Deposit available, security and whether director guarantees may be required.
• Credit history: full transparency helps us identify lenders that accept non‑standard credit histories.

Submitting the enquiry does not affect your credit score. Credit checks may be performed later by the chosen lender/broker if you proceed. Free Eligibility Check.

Typical timelines & what to expect after enquiry

Simple single‑vehicle deals: you can often expect initial contact and indicative quotes within hours and completed paperwork within a few days.

Multi‑vehicle or fleet programmes: these require more due diligence and can take several days to a few weeks depending on fleet size, bespoke requirements and insurer/site visits for converted vehicles.

After we introduce you, your chosen lender/broker will lead negotiations and document checks — we do not negotiate terms on your behalf but we will ensure you’re connected to appropriate specialists quickly. Get Started.

Benefits of using UK Business Loans vs searching yourself

• Save time: one short enquiry reaches multiple relevant funders instead of contacting many firms yourself.
• Specialist matching: we match you to funders experienced in your vehicle type and sector.
• Access to niche providers: some specialist funders don’t advertise widely — we know who to contact.
• No cost to you: our introduction service is free and without obligation.

Ready to get matched? Free Eligibility Check.

Case studies — illustrative examples

Below are anonymised, illustrative vignettes showing how introductions work.

• Courier fleet renewal: A regional courier business replaced six vans using HP arranged through a specialist broker — initial enquiry to signed finance package in 10 working days.
• Refrigerated truck: A food distributor secured a finance lease for a converted refrigerated truck after being introduced to a funder who understood refrigerated‑unit valuation and maintenance plans.

These scenarios are illustrative; results vary by business and lender. Want a quote for your situation? Get Quote Now.

Frequently asked questions

Will submitting an enquiry affect my credit score?

No. Filling in our enquiry form does not affect your business or personal credit score. Lenders or brokers may carry out credit checks later if you decide to proceed with an application.

Do you provide the loan or final quote?

No — UK Business Loans acts as an introducer. The lender or broker we connect you with provides the full quote, contract and makes the lending decision.

Can you help if my business has non‑standard credit?

Yes. We work with partners who specialise in non‑standard credit cases. Honest disclosure of your situation helps us match you to suitable funders.

What is the minimum finance amount?

We typically handle vehicle finance from around £10,000 and upwards. For bespoke fleet programmes the amounts vary by provider.

How quickly will I hear from a lender?

Many partners contact businesses within hours during business hours; full quotes and paperwork depend on the complexity of the request.

Next steps — get your free, no‑obligation quote

It’s simple: complete our short enquiry (2 minutes), tell us the vehicle type, finance type and amount, and we’ll match you with the most relevant lenders and brokers. We’ll only share your details with partners who can help. Get Quote Now.

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Note: UK Business Loans is an introducer and does not provide loans or regulated financial advice. We will share your enquiry with selected lenders and brokers who may contact you to provide full terms, conduct credit checks and complete any regulated processes.

1. Will submitting an enquiry affect my credit score?
No — completing UK Business Loans’ enquiry / Free Eligibility Check does not affect your credit score, though lenders may run checks later if you apply.

2. Do you lend directly or provide the final quote?
No — UK Business Loans is an introducer that connects your business with lenders and brokers who provide the final quote and make lending decisions.

3. What vehicle finance options can you connect me to (van, truck, fleet)?
We match you to providers offering hire purchase (HP), finance lease, contract hire (operational lease), asset finance, chattel mortgages and bespoke fleet funding packages.

4. What loan amounts and fleet sizes can I apply for?
Our panel typically handles vehicle and business finance from around £10,000 for single vehicles up to large multi-vehicle fleet programmes and bespoke funding arrangements.

5. How quickly will lenders contact me and how long does a deal take?
Many partners contact businesses within hours during business days, with simple single-vehicle deals often completed in days and complex fleet programmes taking several days to a few weeks.

6. What documents and information will lenders usually request?
Lenders typically ask for company details (age, turnover, recent accounts), vehicle specs (make, model, mileage, conversions), deposit/security details and sometimes director guarantees and ID documentation.

7. Can you help if my business has poor or non‑standard credit?
Yes — we work with specialist brokers and lenders that consider non‑standard or imperfect credit histories when matching suitable funding options.

8. Does it cost anything to use UK Business Loans and is there any obligation?
No — our introduction service and Free Eligibility Check are free to use and completely no‑obligation.

9. Are the lenders and brokers you work with regulated and reputable?
Yes — we only introduce businesses to trusted UK lenders and FCA‑regulated brokers who follow industry standards and fair treatment principles.

10. Can you arrange finance for specialist vehicle conversions or multi‑vehicle fleet programmes?
Yes — we match you with funders experienced in specialist conversions (refrigerated units, tippers, HGV conversions) and bespoke multi‑vehicle fleet funding solutions.