Logistics Business Loans — Finance Refrigerated Vans, ADR, HIAB & Specialist Vehicles
Summary: Yes — refrigerated vans (reefers), ADR‑spec vehicles, HIAB‑fitted trucks and a wide range of specialist logistics vehicles are commonly funded through asset and vehicle finance. UK Business Loans does not lend; we introduce businesses to lenders and brokers who provide hire purchase, lease, asset finance and commercial loan solutions. Complete a short, free enquiry for a no‑obligation eligibility check and we’ll match you to the lenders/brokers best suited to your vehicle and business needs. Get Quote Now — Free Eligibility Check
Quick answer
Yes — refrigerated vans (reefers), ADR‑certified vehicles, HIAB/crane‑fitted trucks and many specialist logistics units are eligible for business finance via the marketplace we introduce you to. Lenders and brokers in our network commonly provide vehicle and asset finance products such as hire purchase, finance leases, chattel mortgages and commercial vehicle loans to fund these assets from roughly £10,000 upwards. Eligibility and terms depend on the vehicle type, conversion/specification, business trading history and the chosen finance product. Free Eligibility Check
Why this page matters for logistics businesses
Specialist logistics vehicles are essential operational assets. Whether you’re replacing older reefers, expanding a mixed fleet, upgrading to ADR‑compliant trucks or adding HIAB capability, finance can help preserve working capital while getting the vehicle you need now.
Many finance providers specialise in transport and logistics and understand the unique considerations — from refrigeration units and ADR certificates to mounted cranes and payload limits. Our role is to match your enquiry to lenders and brokers who routinely work with these vehicle types, saving you time and increasing your chance of a suitable offer. Get Started — Free Eligibility Check
What types of logistics vehicles can be funded?
Below are the main vehicle types lenders commonly finance, with the typical finance routes and lender considerations.
Refrigerated vans (reefers)
- Common finance options: asset finance (hire purchase or lease), chattel mortgage.
- Lender considerations: age and condition of both van and refrigeration unit, service history, warranty on the reefer, expected mileage and intended use (local deliveries vs long runs).
- Notes: Lenders may ask for conversion invoices where a third‑party installed the unit and will price based on expected residual value.
ADR vehicles (hazardous‑goods certified)
- Common finance options: HP, commercial vehicle loans and specialist asset finance.
- Lender considerations: ADR certification, driver/operator training records, specialist insurance and permitted routes/use. Some lenders specialise in hazardous‑goods fleets.
- Notes: Lenders will want evidence that vehicles meet legal requirements for carriage of dangerous goods.
HIAB / crane‑fitted vehicles
- Common finance options: combined vehicle + equipment finance, equipment finance or chattel mortgage depending on whether the unit is integral or aftermarket.
- Lender considerations: installation invoices, age of crane, service/inspection history, payload and how the vehicle is used.
- Notes: Where the mounted equipment is high‑value, lenders sometimes separate vehicle and crane values in the finance package.
Other specialist logistics vehicles
- Examples: tail‑lift vans, temperature‑controlled trailers, articulated fridge trailers, skip loaders, refuse/collection vehicles.
- Lender considerations: ease of re‑sale (residual value), specialist maintenance needs and parts availability, and insured use.
Typical finance solutions and how they apply
Different finance products suit different business aims. Here’s a practical guide to common options and when they’re used.
Hire Purchase (HP)
Most popular for vans and trucks — you pay an initial deposit then fixed repayments; ownership transfers after the final payment. Good when you intend to own the vehicle and need predictable monthly amounts.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Asset finance (chattel mortgage / equipment finance)
Used for vehicles with high‑value conversions or mounted equipment. The lender takes a charge against the asset; you own the vehicle and can sometimes benefit from capital allowances.
Finance lease / operating lease
Leases can keep assets off‑balance sheet and are useful when you want to refresh vehicles regularly. Operating leases tend to be lower monthly cost but do not lead to ownership.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Commercial vehicle loan
Term loan financing that may be secured against a company asset or property. Useful for fleets or when funding several vehicles at once.
Refinance / fleet refinance
Refinancing existing fleet finance can reduce monthly costs or consolidate multiple agreements into one more manageable facility.
What lenders commonly require: minimum trading period (often 1–2 years), turnover thresholds, director ID, deposit (varies), vehicle details, and satisfactory business/vehicle insurance. Final terms and checks are performed by the lender or broker once you proceed.
Important: UK Business Loans is an introducer — we do not lend. We connect you to lenders/brokers who provide these products. Get Quote Now — Free Eligibility Check
What lenders and brokers look at when assessing specialist logistics vehicles
Lenders assess both the business and the asset. The stronger the documentation, the smoother the process.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Key assessment criteria
- Vehicle age, mileage and condition — newer, well‑maintained vehicles secure better terms.
- Service history and MOT records — consistent maintenance lowers perceived lender risk.
- Conversion or equipment invoices — proof of refrigerant unit installation, HIAB fitting or trailer specifications.
- ADR certification and compliance documents for hazardous‑goods vehicles.
- Insurance appropriate to vehicle use and cargo.
- Business trading history, turnover and bank statements.
Suggested documents to prepare
- V5 vehicle logbook
- Invoices for conversions, refrigeration units or crane installation
- Service/MOT records
- Business accounts or management accounts
- Proof of address and ID for company directors
- Insurance documentation and ADR certificates (where relevant)
Risk factors such as poor maintenance, undocumented conversions or inadequate insurance can narrow lender options or increase costs. Being prepared increases your chances of competitive offers. Ready to speak to specialist lenders? Free Eligibility Check
Costs, deposits & typical terms
While exact costs vary by lender, vehicle and business, you should expect:
- Deposit: often 0%–30% depending on lender, vehicle age and credit profile.
- Typical terms: 24–84 months for vans and rigid trucks; trailers and specialist equipment may have shorter or bespoke terms.
- Interest & fees: rates vary by lender and creditworthiness — lenders set APRs and fees, not UK Business Loans.
- VAT: VAT treatment depends on whether you are VAT‑registered and on the product type; check with your accountant.
- Other costs: maintenance, specialist insurance, fitment warranties and possible early repayment charges.
We recommend comparing multiple offers — our service connects you to brokers and lenders who specialise in logistics vehicles so you can see realistic options for your situation. Get Quote Now
How UK Business Loans helps — process & advantages
Our service simplifies finding finance for specialist logistics vehicles. Here’s how it works:
- Complete a short enquiry (under 2 minutes) — basic company, vehicle type and contact details.
- We match your details to lenders/brokers with logistics experience.
- Selected partners contact you with quotes and next steps.
- Compare offers, choose the best match and complete the lender’s application.
Benefits:
- Faster access to specialist lenders without searching dozens of providers.
- Sector knowledge — matched partners understand refrigerated units, ADR and mounted equipment.
- Free and no obligation — submitting an enquiry will not affect your credit score.
- Nationwide coverage — connect with lenders across the UK.
FAQs
Can I finance refrigerated vans, ADR, HIAB or specialist logistics vehicles through UK Business Loans?
Yes. UK Business Loans introduces businesses to lenders and brokers who commonly fund refrigerated vans, ADR‑spec vehicles, HIAB trucks and other specialist logistics vehicles. Eligibility depends on the vehicle’s specification, condition and lender criteria. Complete our short enquiry for a free eligibility check.
Is it possible to fund ADR vehicles carrying hazardous goods?
Yes — many lenders and brokers specialise in hazardous‑goods transport. They typically require ADR certification, appropriate insurance and may add specific conditions to the finance agreement.
Can I finance converted vehicles (e.g., third‑party refrigeration installs)?
Often yes. Lenders want invoices for the conversion and evidence of professional installation and warranties. Some lenders prefer factory‑fitted units; others will finance conversions if the paperwork supports the asset value.
Can HIAB or other truck‑mounted equipment be financed?
Often yes. Lenders may finance the vehicle and the mounted equipment together or treat the unit separately. Provide installation invoices and service history for best results.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Will applying affect my credit score?
Submitting an enquiry via our form does not affect your credit score. Individual lenders may carry out credit checks later if you progress an application.
How quickly will lenders contact me?
Responses typically arrive within hours to 48 hours depending on the complexity of the request and lender availability.
Can’t find your question? Complete the short form and we’ll connect you with a specialist who can help.
Next steps
Ready to get a quote? Complete our short enquiry now — it’s free, takes less than two minutes and will not affect your credit score. We’ll match your request to lenders and brokers who understand refrigerated vans, ADR vehicles, HIAB units and other specialist logistics equipment.
Get Started — Free Eligibility Check
UK Business Loans does not lend money or provide regulated financial advice. We introduce businesses to lenders and brokers. All finance offers are provided by third‑party lenders/brokers and are subject to their terms, checks and approvals. Submitting an enquiry is free and carries no obligation.
1. Can I finance refrigerated vans (reefers), ADR, HIAB and other specialist logistics vehicles?
Yes — UK Business Loans introduces you to lenders and brokers who commonly fund reefers, ADR‑spec vehicles, HIAB‑fitted trucks and other specialist logistics vehicles via hire purchase, asset finance, leases or commercial vehicle loans, subject to lender criteria.
2. What finance options are best for logistics vehicles?
Common options are hire purchase for eventual ownership, chattel mortgage/asset finance for high‑value conversions, finance or operating leases for off‑balance‑sheet use, and commercial vehicle loans for fleets or multiple purchases.
3. How much deposit and what terms should I expect for vehicle finance?
Deposits typically range from 0%–30% and terms are usually 24–84 months for vans and rigid trucks, although specialist equipment and older vehicles may attract bespoke terms.
4. Will submitting an enquiry affect my credit score?
No — completing a free eligibility enquiry via UK Business Loans does not affect your credit score, though individual lenders may carry out credit checks later if you progress an application.
5. What documents do lenders usually require for specialist vehicle funding?
Lenders commonly ask for the V5, conversion/installation invoices, service and MOT history, ADR certificates where relevant, business accounts or bank statements, director ID and appropriate insurance.
6. Can converted or third‑party fitted refrigeration units and mounted cranes be financed?
Often yes — many lenders will finance professionally converted vehicles or mounted equipment if you provide installation invoices, warranties and a clear service history.
7. Can ADR‑certified hazardous‑goods vehicles be funded?
Yes — specialist lenders and brokers fund ADR vehicles but will require ADR certification, specialist insurance, operator training records and evidence of compliant use.
8. How quickly will lenders or brokers contact me after I submit an enquiry?
You can typically expect contact within hours to 48 hours depending on the complexity of your vehicle specification and lender availability.
9. Can I refinance an existing fleet or consolidate multiple vehicle finance agreements?
Yes — fleet refinance and consolidation are commonly available to help reduce monthly costs or simplify repayments, subject to lender approval and the fleet’s financials.
10. Do you lend the money and does it cost to use UK Business Loans?
No — UK Business Loans does not lend or give regulated advice; our free, no‑obligation service matches your enquiry to FCA‑regulated lenders and brokers who provide the finance.