Logistics Business Loans: Are we a direct lender or an introducer?

Short answer: UK Business Loans is an introducer — not a direct lender. If you run a transport or haulage business and need fleet, vehicle or logistics funding from £10,000 upwards, we match you quickly with lenders and brokers who can provide quotes and options. Get a Free Eligibility Check now: Get Quote Now.

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Table of contents

• Quick answer: are we a direct lender or an introducer?
• Why this matters for transport and haulage businesses
• How UK Business Loans works for logistics & haulage finance
• Who we work with and how we vet partners
• Typical eligibility & application factors
• Common finance options for logistics businesses
• Frequently asked questions
• Important compliance & privacy information
• Ready to get a quote?

Quick answer: we are an introducer, not a direct lender

UK Business Loans does not lend money directly. We act as an introducer (lead-matcher): you complete a short enquiry and we pass the details to suitable lenders or brokers who specialise in commercial vehicle, fleet and logistics finance. Those lenders/brokers then contact you with quotes and eligibility information — they handle any formal applications and agreements.

We do not provide regulated financial advice. Our role is to speed up the search for finance by connecting you to providers that are more likely to meet your needs. We may receive a fee from a lender or broker after a successful introduction; our service is free for businesses to use.

Why this matters for transport and haulage businesses

Transport and haulage businesses face specific funding needs and constraints: fleet replacement, seasonal cashflow, fuel and maintenance spikes, warehouse expansions or new depots, and the need to finance expensive HGVs and specialist trailers.

Applying to multiple lenders yourself takes time and can lead to repeated credit checks or unsuitable offers. Using an introducer that understands logistics can:

• Save time by sharing your brief once and getting multiple matches quickly.
• Improve chances of finding specialist lenders (asset finance, fleet hire purchase, invoice finance) that accept sector-specific risk profiles.
• Reduce admin: lenders contact you directly with tailored quotes and next steps.

Typical funding needs in logistics include:

• Fleet purchase or upgrade (trucks, trailers, vans)
• Fleet leasing and managed fleet solutions
• Asset finance for specialised equipment (tail lifts, telematics)
• Invoice finance to improve cashflow between jobs
• Short-term working capital for fuel, maintenance or seasonal upticks

How UK Business Loans works for logistics finance

We keep the process simple and tailored to logistics businesses. Here’s how it works in practice:

1. Quick enquiry

Start with a short enquiry form — business name, contact, approximate finance amount (we handle requests from £10,000 and up), and the purpose (fleet, asset, invoice finance, working capital, refinance). It takes around 2 minutes.

2. Specialist matching

We match your details to lenders and brokers in our panel who have experience in transport, haulage and logistics lending. Matches are based on product fit, experience with similar businesses, and the finance amount and purpose you provide.

3. Fast lender contact & quotes

Matched providers contact you directly by email or phone to discuss eligibility and provide indicative quotes. Typical response time is within hours to 48 hours, depending on working hours and complexity.

4. Compare and choose

You receive multiple options, compare terms, and decide which provider to proceed with. The lender/broker you choose handles documentation, checks and final approval.

What this means for you: faster access to options, fewer wasted applications, and specialist providers who understand fleet and haulage requirements. Ready to start? Free Eligibility Check.

Who we work with and how we vet partners

We partner with a broad range of UK lenders and brokers that provide commercial finance solutions for businesses in transport and haulage. Our vetting focuses on:

• Sector experience — lenders who regularly finance fleets, HGVs, trailers and depot equipment.
• Product fit — asset finance houses, invoice finance providers, commercial lenders and brokerage firms.
• Reputation & transparency — we check trading history, feedback and published terms.

We do not provide regulated financial advice — our role is to introduce. It’s a good idea to review any lender’s terms and consider professional financial advice for large or complex transactions.

Typical eligibility & application factors for logistics finance

Lenders evaluate logistics finance applications using a mix of business and asset factors. Common criteria include:

• Business structure and trading history — established limited companies generally have stronger options; start-ups may be considered by specialist lenders.
• Annual turnover and profitability — higher turnover and consistent margins help access better terms.
• Credit profile — both business and director credit histories matter for many products.
• Vehicle age, mileage and condition — newer vehicles or low-mileage assets can attract better rates.
• Contractual income and customers — haulage contracts, regular routes, or long-term customers increase lender confidence.
• Existing finance or liens on assets — this affects available security and refinance options.

Quick tips to improve your chances:

• Have recent accounts or management accounts ready.
• Provide vehicle details (make, model, year, mileage, VIN) and valuations.
• Share copies of key customer contracts or receipts where relevant.
• Consider an operational deposit for asset finance where possible.

Common finance options for haulage & logistics firms

Different products suit different needs. Below are the most common options for logistics businesses and when they’re typically used.

Asset finance & hire purchase

Best for buying trucks and trailers. Hire purchase allows ownership at the end of the term once repayments are complete. Pros: predictable payments, eventual ownership. Cons: vehicle as security, potential personal guarantees for smaller companies.

Operating lease / finance lease

Leasing is often chosen by firms that prefer not to own assets outright. Pros: lower upfront cost, fleet flexibility. Cons: you typically never own the asset at the end of an operating lease.

Invoice finance (factoring & discounting)

Turn unpaid invoices into immediate cash. Useful for haulage companies that invoice customers with long payment terms. Pros: rapid cashflow. Cons: fees and ongoing facility management.

Short-term working capital & merchant advances

For immediate cashflow needs (fuel spikes, urgent repairs, seasonal demand). Pros: fast access. Cons: higher cost than longer-term finance.

Refinance & consolidation

Combine multiple facilities or refinance expensive older finance to improve monthly cashflow or reduce costs. Pros: simplified repayments, potential savings. Cons: costs for settlement or arrangement fees.

Each product has trade-offs. The matched lenders/brokers will explain options in plain terms so you can compare on price, term, and flexibility. Start your comparison now: Get Quote Now.

Learn more about logistics-specific products in our detailed logistics guide: logistics business loans.

Frequently asked questions

Important compliance & privacy information

UK Business Loans is an introducer — we do not lend money and we do not provide regulated financial advice. By submitting an enquiry you consent to us sharing your details with selected lenders and brokers so they can contact you about finance options. We may receive a fee from providers following a successful introduction.

We handle personal and business information securely and in line with our privacy policy. Please read our Terms & Privacy pages for full details.

Ready to get a quote? Free eligibility check

If you need fleet, vehicle or logistics finance from £10,000 upwards, the fastest way to get suitable quotes is to submit a short enquiry. We’ll match you to lenders and brokers who understand haulage and transport finance — no obligation, no cost.

Get Started — Free Eligibility Check

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About UK Business Loans

UK Business Loans connects UK businesses with lenders and brokers for business finance and loan solutions. We help businesses save time, compare options and secure the best possible finance match for their circumstances. Published: 30 October 2025. Review: 30 October 2026.

1. Are UK Business Loans a direct lender or an introducer for logistics and haulage finance?
No — UK Business Loans is an introducer that matches you with relevant lenders and brokers for fleet, vehicle and logistics finance rather than lending directly.

2. Will submitting a Free Eligibility Check enquiry affect my business or director credit score?
No — completing our enquiry form does not affect your credit score; lenders may carry out credit or identity checks only if you proceed with a formal application.

3. How much can I borrow for fleet, vehicle or logistics finance through your service?
We handle enquiries from £10,000 upwards, with partner lenders offering anything from small working capital loans to multi‑million commercial facilities depending on your needs.

4. How quickly will I get contact or quotes after submitting an enquiry for haulage finance?
Matched lenders and brokers typically contact you within hours to 48 hours to discuss eligibility and provide indicative quotes.

5. Does it cost my business to use UK Business Loans to find logistics finance?
No — our matching service and Free Eligibility Check are free for businesses; we may receive a fee from a provider following a successful introduction.

6. Can start‑ups or businesses with imperfect credit still get logistics or asset finance through your partners?
Possibly — we work with specialist lenders and brokers that consider a range of credit profiles and start‑up cases, with outcomes depending on the lender and strength of your business case.

7. What types of finance products will you match my haulage business with?
We match you to providers offering asset finance and hire purchase, operating leases, invoice finance (factoring/discounting), short‑term working capital, refinance and consolidation solutions.

8. What information should I have ready when completing the short enquiry form?
Have basic business and contact details, the approximate finance amount and purpose, and any relevant vehicle, contract or recent accounts info to improve matching and speed up quotes.

9. Are the lenders and brokers you introduce regulated and vetted for logistics finance?
Yes — we vet partners for sector experience, product fit, reputation and transparency, and we connect you with reputable UK lenders and FCA‑regulated brokers where applicable.

10. Is submitting an enquiry the same as applying for a loan with a lender?
No — the enquiry is only used to match you with suitable lenders and brokers and is not a formal loan application, which is completed directly with the lender you choose.