Can I finance mixed assets (vans, trailers & equipment) in one package?

Short answer: Yes — many UK businesses can finance mixed vehicle assets (for example vans plus trailers or related plant) as a single package. Lenders and brokers commonly call this “mixed-asset” or “multi-asset” finance. Available products include hire purchase, finance leases and asset refinance; exact terms depend on asset types, combined value (usually from £10,000), asset age/condition and business credit. Complete a quick Free Eligibility Check (2 minutes) to be matched with lenders or brokers who specialise in mixed-asset deals. We’re an introducer — not a lender. Submitting an enquiry is for information only and helps us match you to the best providers.

At a glance — can mixed assets be financed together?

Short answer: Yes in many cases. Lenders and brokers often package vans, trailers and ancillary equipment into one finance agreement when assets share a commercial purpose and similar useful lives.

• Common mixed deals: fleets of vans plus trailers; a delivery van with fitted racking and tail-lift; landscapers combining a van, trailer and small tractor.
• When it usually works: assets are commercial, similar age, used by the same business and total value meets lender minimums (typically £10,000+).
• When lenders may separate items: very high-value specialist plant, assets with very different depreciation or regulatory regimes (e.g. HGVs requiring O-licences vs small trailers).

Typical finance products that allow mixed-asset packages

Hire Purchase (HP)

HP is popular for mixed assets. The lender owns the assets until the final payment; multiple assets can be listed on a single agreement with a combined repayment schedule.

• Pros: clear ownership at term end, predictable payments, often simple for multiple assets.
• Cons: assets are security for the loan; early repayment can be complex if assets have differing residual values.
• Typical terms: 2–5 years for vehicles; sometimes longer for high-value plant.

Finance Lease / Operating Lease

Leases can cover mixed fleets where the business prefers to return assets at the end of term or upgrade regularly. Operating leases often exclude maintenance; finance leases behave more like fixed-term hire purchases.

• Pros: flexibility, off-balance options for operating leases, suitable for fleet management.
• Cons: residual risk for the lessor, possible restrictions on modifying assets (e.g. vehicle fit-outs).

Asset Refinance / Asset-Based Lending

If you already own mixed assets, refinancing them as a package can release cash. Lenders value the pool of assets together and may offer a single facility secured over the nominated items.

Contract Hire & Fleet Leasing

Contract hire typically focuses on standard vehicle fleets; ancillary items such as dedicated trailers may be included if the leasing company manages the whole fleet. Check with lenders about exclusions.

Note: different lenders have different appetites. If you want more detail on vehicle-specific finance, see our vehicle finance resource on vehicle finance — or better still Get Quote Now for a tailored match.

How lenders assess mixed-asset applications

Lenders and brokers evaluate both the assets and the business. Below are the common assessment areas.

Asset type & residual values

Lenders prefer assets that hold resale value and are easy to repossess/rehire if needed. Vans and standard trailers are commonly accepted; highly bespoke plant or specialist trailers may be treated differently.

Combined value, age, condition and mileage

Older or high-mileage vehicles reduce lending LTV. Many lenders set age limits (e.g. under 7–10 years at agreement end) or restrict inclusion of assets beyond a certain mileage.

Business credit profile & evidence

Underwriters review trading history, business accounts, bank statements and director information. For companies with limited accounts, lenders may request additional security or higher deposits.

Use case & sector risk

Lender appetite varies by sector. Logistics and haulage providers often find more options, while lower-margin trades may face stricter affordability checks.

Typical terms, rates and security for mixed-asset finance

Exact pricing depends on lender and risk. Below are common features:

• Deposit / initial payment: often 0–20% depending on credit and asset type.
• Lending-to-value (LTV): typically 60–90% of combined asset value; older assets attract lower LTVs.
• Term lengths: vehicles 2–5 years, trailers and small equipment often aligned to similar terms; specialist plant may be longer or separate.
• Security: individual chattel mortgages per asset or a single blanket charge over the listed assets. Lenders choose based on asset mix.

Want a tailored match? Get Quote Now — Free Eligibility Check. It takes 2 minutes and we’ll match you with lenders who handle mixed-asset packages.

When assets are likely to be financed separately

There are practical reasons lenders split assets into separate agreements:

• Very high-value items (e.g. large agricultural tractors) with different depreciation profiles.
• Bespoke or specialist equipment that needs specialist lenders.
• Assets subject to different regulatory regimes (e.g. HGVs requiring O-licence vs non-licenced trailers).

Brokers commonly present split-structure solutions where the business pays separate monthly amounts but benefits from coordinated decision-making.

How brokers structure a single-package deal (examples)

Example 1 — Courier operator

A regional courier firm needed funding for three light vans and two enclosed trailers. The broker packaged the five assets on a single hire purchase agreement with staggered terms to reflect differences in mileage and age. Benefit: one point of negotiation and lower combined fees than five separate deals.

Example 2 — Landscaping business

A landscaping company required one panel van, a small tractor and a twin-axle trailer. The lender offered a blended solution: the van and trailer under HP and the tractor on a longer-term finance lease. The broker coordinated contracts so monthly cashflow matched the business cycle.

Documents & information lenders usually ask for (quick checklist)

• Registered company name and address, company number and VAT (if applicable)
• Most recent business accounts or management accounts
• 3–6 months bank statements
• Asset details: make/model, VIN/chassis or registration numbers, current mileage, age and condition
• Supplier invoices or purchase quotations
• Proof of insurance and any operator licences (for commercial fleets)

Pros and cons — should you finance mixed assets as one package?

How UK Business Loans helps

We introduce businesses to lenders and brokers who specialise in vehicle and mixed-asset finance. Our role is to:

• Save you time by matching your enquiry to partners with the right appetite
• Provide free, no-obligation quotes so you can compare options
• Help clarify typical terms and the documents lenders request

Submitting our enquiry form is just that — an enquiry, not an application. It helps us match you with the best lenders/brokers and won’t affect your credit score. Ready to see options? Start your Free Eligibility Check (2 minutes).

Frequently asked questions

Can I include both new and used assets in one finance deal?

Often yes. Many lenders accept a mix of new and used assets, but they will assess combined age and condition. Some lenders cap the maximum age for used items.

Will financing mixed assets affect my credit profile?

Submitting an enquiry through UK Business Loans does not affect your credit score. Lenders may perform credit checks later if you progress; they will inform you beforehand.

What minimum value can you arrange for mixed-asset finance?

We typically arrange deals from around £10,000 upwards. Smaller-value requirements may be considered by specialist providers in our panel.

What happens if one financed asset is repossessed?

Repossession depends on the lender’s agreement and the security in place. Where a single agreement covers multiple assets, repossession of one item can affect the rest — brokers aim to negotiate protections where possible.

How long does it take to get a quote?

After you submit the quick enquiry you’ll usually hear from matched lenders or brokers within hours during business days. Complex or bespoke packages can take a little longer.

Next steps — quick guide to applying

1. Prepare basic documents (see checklist above).
2. Complete our quick enquiry form — it takes about 2 minutes.
3. We match you to lenders/brokers with mixed-asset expertise.
4. Lenders contact you with quotes — compare and choose the best fit.

Get Quote Now — Free Eligibility Check

1) Can I finance vans, trailers and equipment together in one mixed-asset finance package?
Yes — many UK lenders and brokers offer mixed-asset (multi-asset) finance that bundles vans, trailers and ancillary equipment into a single agreement where assets share a commercial purpose and meet lender criteria.

2) Which finance products commonly support mixed-asset deals (vans, trailers & plant)?
Typical options include hire purchase (HP), finance leases (and operating leases), contract hire for fleets and asset refinance facilities, with availability depending on asset type and lender appetite.

3) What minimum loan value is usually required for mixed-asset finance?
Most providers and brokers we work with typically arrange mixed-asset packages from around £10,000 upwards, though specialist lenders may consider smaller deals.

4) Will submitting an enquiry via UK Business Loans affect my credit score?
No — submitting our free eligibility enquiry does not affect your credit score; individual lenders may carry out credit checks only later if you choose to progress an application.

5) How do lenders assess mixed-asset applications (age, mileage, LTV, sector)?
Lenders review combined asset value, age, mileage and condition, expected residual values/LTV, the business’s credit profile and sector risk to determine terms and pricing.

6) What documents and information will lenders typically ask for when financing mixed assets?
You’ll usually need company details, recent accounts or management accounts, 3–6 months bank statements, supplier invoices/quotes and full asset details (make/model, reg/VIN, mileage, age and condition).

7) Can I include both new and used assets in one finance deal?
Often yes — many lenders accept a mix of new and used items in a single package, although they may limit the maximum age or mileage of used assets and adjust LTVs accordingly.

8) How long does it take to get quotes for a mixed-asset finance enquiry?
After you submit our quick 2‑minute enquiry you’ll typically hear from matched lenders or brokers within hours on business days, with bespoke or complex packages taking longer to price.

9) What security arrangements are used for mixed-asset finance?
Security can be provided via individual chattel mortgages against each asset, a single blanket charge over the listed items or a combination depending on the lender and asset mix.

10) What happens if I want to sell or one financed asset is repossessed during a mixed-asset agreement?
Treatment varies by contract, but selling or repossessing a single item on a single-package deal can be complex and may affect the remaining agreement, so brokers often negotiate protections or split-structure solutions where needed.