What Are Logistics Business Loans?

Logistics business loans and finance solutions help transport operators, haulage firms, couriers, 3PLs, warehousing and supply chain businesses access funding for vehicles, trailers, equipment, working capital and cash flow. Because logistics often involves large upfront costs and delayed customer payments (30–90 days), finance can smooth cash flow, fund growth and keep fleets compliant and on the road.

Typical use cases

• Buy or lease HGVs, LGVs, vans, forklifts and trailers
• Refinance existing vehicles or equipment to unlock cash
• Cover fuel, tyres, servicing, insurance and driver wages
• Manage VAT and tax bills
• Bridge cash gaps caused by long invoice cycles
• Fit out or upgrade depots, racking and warehouse tech
• Invest in telematics, cameras, tachographs and compliance upgrades
• Expand into new routes or contracts quickly

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Finance Options We Can Connect You With

Through our nationwide network, we introduce you to logistics‑savvy brokers and lenders who can offer a range of options tailored to transport and supply‑chain operations:

Asset Finance (HGVs, vans, trailers, MHE)

Finance or lease vehicles and equipment (e.g., HGVs, vans, forklifts, reach trucks, telehandlers, trailers, tail lifts). Typical terms range from 12 to 72 months depending on asset and circumstances. Options include Hire Purchase, Finance Lease and Operating Lease.

Vehicle and Fleet Finance

Facilities for single units through to multi‑vehicle fleets, new or used, with structured payments aligned to mileage and usage. Seasonal profiles may be available.

Asset Refinance

Release equity tied up in owned vehicles or equipment to inject working capital while continuing to use the asset.

Invoice Finance for Transport

Unlock cash from invoices raised to shippers and freight clients, often within 24–48 hours of invoicing. Useful for firms facing 30–90 day terms. Includes factoring and confidential invoice discounting options.

Working Capital and Cash Flow Loans

Unsecured or secured business loans to smooth cash flow, fund growth or cover short‑term costs. Terms and availability vary by turnover, trading history and credit profile.

Revolving Credit Facilities

Flexible draw‑down lines you can use as needed for fuel, maintenance and ad‑hoc expenses, paying interest only on what you use.

VAT and Tax Funding

Dedicated facilities to spread HMRC VAT or corporation tax liabilities, preserving day‑to‑day cash.

Insurance Premium Finance

Spread the cost of annual fleet and goods‑in‑transit insurance premiums into monthly payments.

Commercial Mortgages and Property Finance

For logistics hubs, depots, warehousing or yard expansion. May include owner‑occupied or investment property.

Equipment and Technology Finance

Telematics, cameras, tachographs, warehouse management systems, racking, conveyors, charging infrastructure for EV vans and more.

Important: Availability, terms and costs vary. Your broker or lender will confirm suitability and provide full details before you decide. There’s no obligation to proceed.

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Why Logistics Firms Use Finance

• Cash flow stability: Manage the gap between fuel, payroll and maintenance costs versus customer payment terms.
• Faster growth: Add vehicles or routes, seize new contracts and scale peak capacity without draining reserves.
• Asset flexibility: Acquire, upgrade or refinance vehicles and MHE to maintain compliance and performance.
• Cost control: Spread large costs (VAT, insurance, tax, equipment) over manageable monthly payments.
• Competitive edge: Invest in safety, telematics and emissions upgrades to meet tender requirements and secure more work.

Who We Help in Transport and Logistics

• Haulage and freight (HGV/LGV)
• Courier, last‑mile and same‑day delivery firms
• Pallet networks and multi‑drop operators
• 3PLs and distribution centres
• Warehousing, storage and cold‑chain operators
• Removals, specialist transport and HIAB operators
• Ports, airfreight and freight forwarders
• Start‑ups and growing SMEs in the logistics supply chain

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How UK Business Loans Works

1. Quick Enquiry
   Tell us about your business, funding need and timing. It takes about two minutes.
2. Smart Matching
   We introduce you to suitable UK brokers and lenders who understand logistics and transport.
3. Fast Response
   Expect a call or email (often within hours) to discuss options and documents.
4. Compare and Choose
   Review quotes and terms. There’s no obligation to proceed.

It’s free to use our service. Your initial enquiry won’t affect your credit score. Credit checks are only performed by partners if you choose to progress.

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Eligibility, Documents and Timeframes

Eligibility may include

• UK‑based limited companies, LLPs and partnerships
• New start‑ups to established operators (criteria vary)
• Recent trading and bank statements (usually 3–6 months if trading)
• Management or filed accounts (where available)
• Proof of ID and address for directors/owners
• Asset details or invoice schedules (where relevant)
• Contract or order evidence for growth funding (where relevant)

Timeframes

• Initial contact: often within hours of enquiry
• Indicative terms: sometimes same day (subject to information)
• Approvals and payout: can be 24–72 hours for some products; asset and property deals typically take longer

Start‑ups and imperfect credit

Some partners consider new businesses and those with adverse credit, depending on circumstances, security and affordability. Your broker will explain realistic options.

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Costs, Terms and Typical Amounts

• Funding amounts: from £10,000 to £5,000,000+ depending on product, asset value, turnover and security
• Terms: typically 3–72 months for asset and equipment finance; invoice finance is ongoing; property terms are longer
• Pricing: varies by product, asset age, business profile and market conditions. Your partner will provide a personal illustration and full cost breakdown before you commit.

There’s no obligation to proceed, and using UK Business Loans is free for business owners.

Example Scenarios (Illustrative Only)

Haulage fleet refresh

A regional haulier acquires three late‑plate Euro 6 tractors on hire purchase with a seasonal payment profile to match quieter months, keeping cash free for fuel and tyres.

Courier expansion

A same‑day courier wins a new contract and uses invoice finance to release up to a significant portion of invoice values on day one, smoothing driver payments and fuel costs.

Warehouse upgrade

A 3PL finances racking, a reach truck and a WMS through equipment finance, with payments aligned to expected cost savings and throughput gains.

Asset refinance for cash injection

A pallet network member refinances two owned trailers, releasing capital to fund a depot reconfiguration and recruitment ahead of peak season.

These examples are for illustration only; they are not offers. Your terms will depend on your circumstances.

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Why Choose UK Business Loans for Logistics Finance

• Fast access to relevant partners: We connect you quickly with brokers and lenders who know transport and logistics.
• Reputable UK network: We introduce you to established finance professionals with a track record of helping UK businesses.
• Free, no‑pressure service: Enquire for free. Compare offers. No obligation to proceed.
• Sector expertise: Partners who understand vehicle residuals, depot operations, compliance and seasonal cash cycles.
• Secure and confidential: Your details are handled carefully and shared only with suitable partners for your enquiry.

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Frequently Asked Questions (Logistics & Transport)

Q1. Is UK Business Loans a lender?

No. We’re an introducer. We connect you with UK brokers and lenders who provide finance directly.

Q2. Will my enquiry affect my credit score?

No. Completing our initial enquiry won’t affect your credit score. Our partners may complete searches only if you choose to proceed, and they’ll explain any impact beforehand.

Q3. What types of logistics finance can I explore?

Asset finance (HGVs, vans, trailers, forklifts), fleet finance, asset refinance, invoice finance, working capital loans, revolving credit facilities, VAT/tax funding, insurance premium finance, equipment/technology finance and commercial mortgages for depots or warehouses.

Q4. Can start‑ups or new operators apply?

Yes. Some partners consider start‑ups, subject to affordability, security and experience. Criteria vary.

Q5. Can I apply if I’ve had credit issues?

Potentially. Some lenders specialise in supporting firms with imperfect credit. Availability and pricing depend on your circumstances and the assets involved.

Q6. How quickly can I get funds?

Simple unsecured or invoice finance facilities may be arranged in days once documents are provided. Asset finance timescales depend on asset availability and underwriting. Property finance takes longer.

Q7. What can be used as security?

For asset finance, the vehicle or equipment often acts as security. For other facilities, lenders may request personal or business security. Your broker will clarify requirements.

Q8. What information will I need?

Basic business details, contact information, funding purpose, recent bank statements/accounts (if trading), and details of assets or invoices (where relevant). Your broker will confirm any additional items.

Q9. Do you work with regulated brokers and lenders?

We introduce businesses to reputable UK finance professionals. Where regulation applies, the relevant broker or lender will disclose their status and provide the appropriate pre‑contract information.

Q10. What are the risks I should consider?

Borrowing increases your business’s financial commitments. Late or missed repayments may incur fees and affect your credit rating. Secured finance may put assets at risk if you fail to keep up repayments. Always review terms carefully.

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Important Information and Compliance

• We are not a lender and do not provide financial advice. We act as an introducer, connecting UK businesses with brokers and lenders.
• Your enquiry is free and carries no obligation. If you choose to proceed, partners will provide full terms and pre‑contract information so you can make an informed decision.
• Rates, fees and eligibility depend on your circumstances, the product and market conditions. We do not guarantee acceptance.
• Initial enquiries do not affect your credit score. If you proceed, partners may carry out credit checks with your consent.
• Secured finance may place assets at risk if repayments are not maintained. Late or missed repayments can cause cash‑flow issues and may impact your credit rating.
• Your details are shared only with suitable partners relevant to your enquiry, in line with our privacy practices.
• We aim to keep all information clear, fair and not misleading so you can make informed decisions.