Asset finance for HGVs, vans and fleets — finance solutions for transport & logistics
Short answer: Yes. UK Business Loans can help transport and logistics companies secure HGV, van and fleet finance by matching you to specialist lenders and brokers who arrange vehicle funding. We’re an introducer — we don’t lend — and we organise business vehicle finance deals from around £10,000 upwards. Complete a quick, no‑obligation enquiry and we’ll match you to suitable providers for a free eligibility check: Get Quote Now — Free Eligibility Check.
Quick answer
Yes — we can assist. UK Business Loans connects transport and logistics businesses seeking HGV, van or fleet finance with specialist UK lenders and brokers. We act as an introducer: submit a short enquiry and we’ll match you to one or more providers who can offer a free eligibility check and fast quotes. There is no obligation to proceed and submitting an enquiry will not affect your credit score.
Why asset finance is often the best choice for transport & logistics
For transport operators the vehicle is the income generator — asset finance lets you acquire HGVs, vans and specialist commercial vehicles while protecting working capital. Key benefits include:
- Preserve cashflow — spread the cost over time rather than paying a large capital outlay.
- Flexible options — ownership, lease or contract hire to suit contracts and mileage profiles.
- Upgrade regularly — easier to replace older vehicles and maintain a modern, reliable fleet.
- Balance sheet management — choose products that suit your accounting and tax position.
- Quick turnaround — many lenders offer rapid credit decisions for standard deals.
Whether you’re replacing worn vehicles, expanding capacity for new contracts, releasing equity from owned assets or managing seasonal spikes, asset finance provides practical routes to fund transport assets. For an overview of vehicle funding options you can also read our wider guide to asset finance.
Types of vehicle asset finance we can help you find
Hire Purchase (HP)
HP spreads payments over an agreed term. You own the vehicle after the final payment. Typical terms: 2–5 years (illustrative).
Pros: eventual ownership, predictable payments. Cons: vehicle appears as an asset and may require deposit.
Finance Lease
Permits use of the vehicle for a fixed term; ownership usually remains with the funder. Often used where businesses prefer to treat vehicles as leased assets.
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
Operating Lease / Contract Hire
Monthly payments for vehicle use only (often off‑balance sheet). Contract hire often includes maintenance and fleet management options.
Contract Hire with Maintenance
Fixed monthly cost that can include servicing, tyres and maintenance — useful if you want predictable operating costs and less internal fleet admin.
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.
Sale & Leaseback (Asset Refinance)
Sell owned vehicles to a funder and lease them back to release cash tied up in assets — useful to improve cashflow or refinance capital for growth.
Fleet Refinancing & Consolidation
Refinance multiple existing agreements into one package to simplify repayments and sometimes reduce monthly costs.
Manufacturer / Dealer and Vendor Finance
OEM schemes or dealer packages can offer competitive deals, especially on new vehicles or bulk purchases.
Note: the above descriptions are high‑level and illustrative. Specific terms, eligibility and contract details depend on the lender or broker you’re matched with.
Get Started — Free Eligibility Check
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Which vehicles and businesses typically qualify?
Vehicle types we commonly help fund:
- Rigid HGVs and artic units
- Box vans, LCVs and refrigerated vans
- Specialist vehicles (tippers, crane‑vehicles, tankers)
- Pick‑ups and light commercial vehicles
- Mixed fleets (combination of vans, HGVs and specialist vehicles)
Business types we work with:
- Limited companies and PLCs
- Partnerships and established SMEs in transport, haulage, courier and distribution
- Fleet operators upgrading or expanding vehicles
Some specialist lenders will consider businesses with complex credit histories or previously refused finance. Eligibility criteria and product suitability vary — that’s why matching you to lenders who specialise in transport is valuable.
Which lenders & brokers will we match you with?
We connect you to a panel of UK lenders and brokers experienced in commercial vehicle and fleet finance. That panel includes high‑street asset finance houses, specialist HGV funders, manufacturer schemes and independent brokers who arrange tailored deals across the market.
We vet partners to ensure they have relevant experience in transport and logistics, and we only share your details with providers best suited to your requirements.
Typical eligibility & documentation checklist
Most lenders will ask for a combination of the following (requirements vary by lender):
- Company registration number and details of directors
- Recent business bank statements (typically 3–12 months)
- Latest management accounts or filed accounts (if available)
- Proof of identity and address for company directors
- Vehicle specification, VIN and supplier quote or invoice
- Operating licences or O‑licence details for HGV operations
- Details of any existing finance agreements or outstanding hire purchase
Providing clear, accurate paperwork speeds up decisions — a broker or lender will confirm the exact list once matched.
Process & timeline — how it works with UK Business Loans
- Complete a short enquiry (2 minutes) — basic business and vehicle details.
- We match you to suitable lenders/brokers in our panel.
- You’ll usually receive contact by phone or email within hours during business days.
- Providers carry out a full application and checks if you choose to proceed.
- On approval, funder arranges payment and delivery/collection of vehicles.
Typical timescales (illustrative): initial contact within hours; straightforward single vehicle approvals can be 24–72 hours; complex multi‑vehicle or bespoke fleet deals may take 1–4 weeks.
Practical examples — mini case studies
Courier operator — fleet upgrade
Problem: ageing vans causing downtime and missed contracts. Solution: hire purchase for six new LCVs. Benefit: predictable monthly payments, improved reliability and retained equity once HP ends.
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.
Haulage SME — refinance and free up cash
Problem: capital tied up in three artic units. Solution: sale & leaseback to release working capital for a new depot. Benefit: immediate cash injection without operational disruption.
Distribution start-up — contract hire
Problem: limited working capital but long‑term contracts. Solution: contract hire with maintenance for two box vans to keep overheads predictable and include servicing. Benefit: easier cashflow forecasting and reduced fleet admin.
Costs, rates and what affects pricing
Pricing depends on multiple factors, including:
- Vehicle type, age and residual value
- Your company’s trading history and credit profile
- Deposit amount and contract length
- Mileage and whether maintenance is included
- Number of vehicles in the deal (fleet scale can improve pricing)
Different products carry different total costs (HP vs lease vs contract hire). We cannot promise specific rates — those are set by lenders — but we’ll match you to providers who can give a competitive, tailored quote.
Important compliance & customer protection information
UK Business Loans is an introducer — we do not lend directly or provide regulated financial advice. When you submit an enquiry we share your details with suitable lenders and brokers so they can assess your eligibility and offer quotes.
Submitting an enquiry will not affect your credit score. Lenders may carry out credit checks only if you progress to a full application. All information you provide is treated confidentially and only shared with selected partners who can help with your funding needs.
How to get started
Ready to explore HGV, van or fleet finance? Complete our short, no‑obligation enquiry and we’ll match you with the best lenders and brokers for your situation. It takes around 2 minutes and won’t affect your credit score.
Frequently asked questions
Can you arrange finance for a single HGV or only multi‑vehicle fleets?
We can help with single vehicle purchases as well as multi‑vehicle fleet deals. Our partners include lenders who specialise in both single‑unit and large fleet funding.
Will submitting an enquiry affect my credit score?
No — a short enquiry is a soft check and will not affect your credit score. Lenders may carry out hard credit checks only if you progress an application.
What is the minimum amount you can arrange?
We typically arrange vehicle and asset finance from around £10,000 and upwards. For smaller requirements you may prefer other funding types.
Can you help if my business has had credit problems?
Some specialist lenders and brokers work with businesses that have complex credit histories. When you enquire we’ll aim to match you with partners who understand and can advise on options.
How soon can I take delivery once approved?
Delivery times depend on vehicle availability and the funder’s process. For standard new vehicles delivery can be arranged quickly after funding is confirmed; bespoke or used vehicles may take longer.
Final reassurance
UK Business Loans makes it fast and simple to find vehicle and fleet finance. We match you to lenders and brokers who specialise in transport and logistics so you can compare options and choose what suits your business — quickly, confidentially and with no obligation.
1. Can UK Business Loans arrange HGV, van or fleet finance? — Yes — UK Business Loans matches transport and logistics businesses to specialist UK lenders and brokers who arrange HGV, van and fleet finance from around £10,000 upwards.
2. Will submitting an enquiry affect my credit score? — No — the short enquiry is a soft check and won’t affect your credit score; lenders may perform hard checks only if you progress to a full application.
3. What types of vehicle asset finance are available for fleets? — Common options include hire purchase, finance lease, operating lease/contract hire (with optional maintenance), sale & leaseback and fleet refinancing, with product suitability depending on your needs and the lender.
4. How much can I borrow for vehicle or fleet finance? — We typically arrange vehicle and asset finance from approximately £10,000 to multi‑vehicle or fleet packages (and larger amounts depending on lender appetite).
5. Can businesses with bad or imperfect credit get HGV or van finance? — Yes — some specialist lenders and brokers in our panel consider businesses with complex or adverse credit histories and can advise on suitable routes to funding.
6. How long does it take to get approval and take delivery of vehicles? — Straightforward single‑vehicle approvals can be 24–72 hours after full application, while bespoke or multi‑vehicle fleet deals and vehicle delivery may take 1–4 weeks depending on checks and availability.
7. What documents will lenders typically ask for when applying for vehicle finance? — Lenders usually request company registration and director details, recent business bank statements, management or filed accounts, ID and proof of address for directors, vehicle spec and supplier quote, O‑licence details for HGVs and details of existing finance.
8. Do you lend directly or provide regulated financial advice? — No — UK Business Loans is an introducer that connects you with FCA‑regulated brokers and lenders and does not lend money or provide regulated advice.
9. Can I release cash from owned vehicles using sale & leaseback? — Yes — sale & leaseback is a common refinancing option we can help arrange to free up working capital while keeping vehicles operational.
10. What factors affect the cost and rates for vehicle and fleet finance? — Pricing is set by lenders and depends on vehicle type, age and residual value, your trading history and credit profile, deposit and contract length, mileage and whether maintenance is included.