Quick answer: Yes — how we help

Short answer: Yes. UK Business Loans acts as an introducer and matchmaker — we do not lend. Using a short enquiry form we gather basic details about your business and the assets you want to fund, then connect you with lenders and brokers experienced in sustainability and vehicle finance. They can offer asset finance, leases, hire purchase, green loans and installer finance for chargers.

Important: submitting an enquiry is not an application. It’s information we use to find the most suitable finance partners for your needs. For a fast match and tailored quotes, start a Free Eligibility Check.

What can you finance via our network?

EV vans

New and used electric vans are commonly financed. Typical finance products include hire purchase (to own), finance leases, and operating leases (contract hire) for fleets. Terms often range from 24–60 months for vans with optional balloon/residual payments. Use cases include courier, delivery, trades and service fleets.

Electric HGVs

Electric HGVs carry higher capital costs and may need specialist lenders familiar with heavy vehicle residuals and depot charging. Typical arrangements include longer lease terms, bespoke finance structures and possible manufacturer-backed programmes. Grants and local incentives can also change the cost profile.

Electric forklifts & material handling equipment

Battery-electric forklifts, pallet trucks and battery-swap systems are fundable via asset finance and equipment hire. Lenders often cover new and good-condition used machines, including warranties and battery replacements as part of the package.

EV chargers & charging infrastructure

Charging equipment and installation can be financed as stand-alone projects or bundled with vehicle finance. Options include CAPEX loans, energy-efficiency finance, and OPEX models where you pay per use or a leasing arrangement with the installer. Landlord consents, install permits and grid upgrades are commonly required—your matched broker can advise.

Which finance options are available for EV vehicles & chargers?

Different products suit different goals. Below are the main types you’ll see through our partners:

• Asset finance / hire purchase: Fixed term; asset ownership transfers after final payment. Good if you want to own vehicles or equipment.
• Operating lease / contract hire: No ownership; predictable rentals. Useful for fleets that want to avoid residual value risk and refresh vehicles regularly.
• Finance lease: Similar to hire purchase but usually with different tax/treatment; suitable for businesses that effectively control the asset long-term.
• Green loans & sustainability-linked loans: Loan products that may include preferential terms for verified green projects.
• Business term loans: For charger CAPEX or depot upgrades where a single cash loan is preferable.
• Invoice finance / bridging: Short-term working capital solutions where cashflow gaps exist while deploying assets.

Each product has pros and cons. For example, leases remove residual value risk but often come with mileage/usage limits; hire purchase suits ownership-focused businesses. We’ll introduce you to partners who explain the details.

Typical eligibility & lender criteria

Eligibility varies by lender and product, but common factors include:

• Trading history and company age (many lenders prefer at least 12 months trading).
• Annual turnover and profitability.
• Business credit history and director credit checks.
• Asset type, age and condition (new EVs attract different terms than used vehicles).
• VAT status and whether the asset will be used exclusively for business.
• Contracted revenue or fleet utilisation for larger fleet finance.

Funding ranges vary: smaller equipment may start from around £10,000, while fleets and depot projects can run into hundreds of thousands or millions — exact ranges depend on lender appetite. Complete our Get Quote Now form and we’ll match you to the right panel.

What will it cost and how are tax/VAT treated?

Costs depend on product, credit score and lender. Representative rates differ by lender and product type; we do not publish rates because lenders set them individually. Typical considerations:

• Deposits / initial rentals: some products require an initial payment (often 0–20% depending on the deal).
• Monthly payments: depend on term, rate, and residual/balloon structures.
• VAT treatment: VAT on vehicles and chargers varies; businesses may be able to reclaim VAT depending on use and VAT status — consult your accountant.
• Tax allowances: some energy-efficiency capital allowances or super-deduction policies may apply to equipment, but tax treatment changes — seek independent tax advice.

Illustrative example (indicative only): A mid-size new electric van financed over 48 months via hire purchase might show monthly payments in the low hundreds to £500s depending on deposit and rate. This is illustrative only — get matched quotes for exact figures.

Grants, incentives and how they interact with finance

Government and local grants can reduce upfront CAPEX for chargers or vehicles. Many lenders will accept grant funding as part of the finance package (for example, reducing the financed amount). Availability and rules change frequently—your matched broker or lender can advise on combining grants with finance.

For more general sustainability finance information see our page about sustainability business loans.

How it works — get matched with lenders/brokers in 4 steps

1. Complete our short enquiry form (takes 2 minutes). This is not an application — it helps us match you.
2. We connect your details to selected lenders and brokers who specialise in vehicle and sustainability finance.
3. You receive quotes and contact from interested partners — compare terms and ask questions.
4. Accept the offer that suits you and complete finance directly with the provider.

Typical timelines: initial responses often arrive within hours during business days; deal completion depends on asset checks, valuations and paperwork and can be from a few days up to several weeks.

Get Started — Free Eligibility Check

Example use-cases

What information helps speed up your quote

• Company name and registered number
• Contact name, email and phone
• Trading history and annual turnover
• Which assets you want to fund (EV van / HGV / forklift / charger)
• Estimated funding required and desired term
• Vehicle makes, models and approximate values (if known)
• Recent accounts or management accounts (if available)

When you submit our form you consent to us passing your details to our selected finance partners so they can contact you with offers. Start your enquiry: Get Quote Now.

Frequently asked questions

Can I finance new and used EV vans?

Yes. Many lenders in our panel finance both new and used electric vans. Terms and rates vary by vehicle age and condition.

Do you handle grants and installer contacts?

Yes. Brokers we introduce can advise on grants and recommend installers; they’ll explain how grant funding interacts with finance.

Will applying via the form affect our credit score?

No — completing the enquiry form does not affect your credit file. Lenders may carry out credit checks when you apply to a product.

Can businesses with imperfect credit still apply?

Possibly. Our panel includes lenders and brokers who consider a range of credit profiles; results will vary by case.

Do you finance chargers only?

Yes — chargers and installation can be financed on their own, or combined with vehicle finance for a single package.

How long until I get a quote?

You can often receive an initial response within hours; detailed quotes depend on asset checks and can take days to weeks.

Are the lenders we are introduced to regulated?

Lenders and brokers set their own regulatory status. UK Business Loans is an introducer and will pass your details to appropriate partners; it’s the lender or broker’s responsibility to confirm their regulatory position and terms.

Important information (service transparency)

UK Business Loans is an introducer/lead generator — we do not lend money and we do not provide regulated financial advice. We match businesses with lenders and brokers who can offer finance products. Each lender or broker is responsible for their own offers, terms and regulatory compliance.

By submitting an enquiry you authorise UK Business Loans to share your details with selected finance partners so they can contact you about potential quotes. We will only share your information with vetted partners and will handle your data in line with our Privacy Policy and Terms & Conditions.

Ready to fund EV vans, HGVs, forklifts or chargers?

Get matched with lenders and brokers that specialise in vehicle and sustainability finance. Complete a short, free eligibility check and we’ll introduce you to the right partners who can provide no-obligation quotes.

Free Eligibility Check — Get Quote Now

How UK Business Loans works | Vehicle finance | Asset finance | Contact us