Vehicle Finance for UK Businesses

Summary: If your business needs vans, trucks, HGVs, specialist vehicles or an EV fleet, vehicle finance lets you acquire the vehicles you need while protecting cash flow. Fast Business Loans does not lend — we rapidly match UK companies (minimum deals from £10,000) with specialist lenders and brokers for Hire Purchase, leases, contract hire, asset refinance and specialist green funding. Complete a quick, free eligibility check and we’ll connect you with suitable finance partners — no obligation and no credit impact from the initial enquiry.

Why vehicle finance matters for growing businesses

Buying vehicles outright ties up capital that could be used to run or grow the business. Financing spreads the cost, preserves working capital, can deliver tax efficiencies and lets you manage fleet replacement more predictably. For delivery, logistics, construction, care transport and many other sectors, the right finance option keeps operations moving while matching repayments to vehicle life and use.

Managing cash flow while expanding your fleet

Rather than a large cash outlay, vehicle finance allows you to keep cash reserves for payroll, stock or one-off investments. Many businesses use a mix of finance products so they can acquire the vehicles they need now and plan replacements without disrupting cashflow.

What types of vehicles can be funded

Our lender and broker partners can help with a wide range of vehicles and related assets. Typical examples include:

• Vans and light commercial vehicles (new and used)
• Rigid trucks and tipper vehicles
• HGVs and trailers
• Specialist vehicles (refrigerated, welfare units, horseboxes)
• Plant mounted on vehicles and ambulances/minibuses
• Company cars for directors and staff fleets
• Electric vehicles (EVs) and charging infrastructure

For more information on business vehicle lending and the specific products available, see our dedicated vehicle finance guidance and lender matching for vehicle needs.

vehicle finance

Vehicle finance options available through our network

We introduce you to lenders and brokers who specialise in commercial vehicle funding. Common products include:

Hire Purchase (HP)

HP lets you purchase the vehicle with fixed monthly payments. Once the final payment is made you own the vehicle. Typical features: deposit (often 0–20%), fixed term, ownership transfer at the end. Good for businesses that want to own the asset.

Finance Lease / Operating Lease

Leasing separates ownership from use. A finance lease is closer to secured borrowing; operating leases (including contract hire) focus on rental use without ownership. Leasing can include maintenance and helps with regular fleet replacement.

Contract Hire (fleet & long-term rental)

Ideal for fleets that want predictable monthly costs. Contract hire usually bundles maintenance and replacement options but you do not own the vehicles at the end of the term.

Asset refinance / sale and leaseback

Unlock capital from vehicles you already own by refinancing or selling to a funder and leasing back. Useful when you need working capital without disposing of operational capacity.

Specialist & green vehicle finance

Many lenders now offer funding packages tailored to EVs and low-emission fleets, sometimes combining grants or incentives with bespoke terms and charging infrastructure finance.

Who we help: industries and business profiles

Our partners specialise in sector-aware lending. We commonly work with:

• Logistics & courier firms — multiple vans, rapid scale-up finance.
• Construction & trades — tippers, pickups, refrigerated units.
• Care & community transport — minibuses and accessible vehicles.
• Retail & hospitality — delivery vans and company cars.
• Manufacturing & engineering — specialist service vehicles.

Whether you’re replacing a single vehicle or arranging fleet finance for rapid expansion, our matching service helps you reach brokers and lenders who understand your sector.

How Fast Business Loans works

1. Complete a short enquiry — basic business details, vehicle type, value (from £10,000 upwards) and contact information.
2. We match you — your details go to selected lenders/brokers who specialise in your vehicle type and sector.
3. Receive responses — brokers/lenders contact you directly to discuss terms and documentation. This is not an offer of credit from us.
4. Compare and decide — you choose the provider and product that best fits your business needs.

Important: submitting the enquiry is not a finance application and will not affect your credit file. Lenders/brokers may carry out credit or affordability checks if you decide to progress an offer.

Why use an introducer instead of going direct?

We save time and increase the chance of being matched with a provider who understands your business. Instead of contacting many lenders, a single enquiry can open multiple suitable doors — and you only progress the applications you want.

Eligibility & requirements

Exact criteria vary by lender and product, but common information requested includes:

• Company name, registration and trading history
• Annual turnover and recent accounts
• Details of the vehicle(s) — age, mileage, price
• Director details and any required guarantees
• Deposit amount and desired term

Our partners offer options for many credit profiles and varied trading histories, but each case is assessed individually. Typical decision times are a few days for standard deals; specialist vehicles or large fleet packages may take longer.

Cost considerations & responsible borrowing

Costs vary with vehicle type, term, deposit, credit profile and whether maintenance is included. When comparing offers look at:

• APR or implied interest rate where applicable
• Upfront fees and documentation charges
• Total amount payable and monthly cost
• Residual/balloon payments and early settlement fees
• Mileage and condition clauses for leases

We encourage responsible borrowing — only commit to repayments your business can sustain. Any example figures provided by brokers or lenders will be illustrative; final terms depend on their assessment.

Supporting the move to low-emission and electric fleets

Interest in electric vehicles and associated infrastructure is increasing. Some lenders provide tailored packages for EVs and chargers, and there may be government grants or incentives to offset cost. If you’re considering an EV fleet, tell us in your enquiry so we can match you with lenders experienced in green vehicle finance.

Client stories — real use cases

Below are short, anonymised examples showing how businesses used vehicle finance solutions.

Construction firm upgrading vans

Problem: ageing vans with high repair costs. Solution: hire purchase for six new vans spread over five years. Outcome: predictable monthly payments, improved reliability and preserved capital for materials.

Courier company scaling quickly

Problem: seasonal demand required fast fleet growth. Solution: a mix of contract hire and short-term rental to match peaks. Outcome: flexible capacity without long-term ownership costs.

Company switching to electric vans

Problem: wanted to reduce emissions and fuel bills. Solution: specialist EV finance package including chargers. Outcome: lower running costs and improved green credentials.

Frequently asked questions

Is Fast Business Loans a lender?

No. We are an introducer that connects UK businesses with lenders and brokers who can offer vehicle finance. We do not provide funds directly.

Will enquiring affect my credit score?

No. The enquiry is not an application and will not leave a footprint on your credit file. If you progress an offer, the lender may perform a credit check.

Can I finance used or specialist vehicles?

Yes. Many lenders in our network finance used and specialist vehicles, subject to age, mileage and valuation limits. Tell us the vehicle details in your enquiry so we can match you accurately.

Do I need a deposit?

Deposit requirements vary. Some products require a deposit or VAT payment upfront; others offer low or zero deposit options depending on credit and product type.

How quickly can funding be arranged?

Simple, standard deals can be arranged within a few working days once documents are supplied. Larger or specialist deals, including fleet or bespoke EV solutions, can take longer.

What happens after I submit the enquiry form?

We match your details to appropriate lenders/brokers. They will contact you to discuss options and next steps. There is no obligation to proceed with any offer.

Ready to explore vehicle finance options?

If you need vehicles for your business and want to compare tailored finance options quickly, start with a Free Eligibility Check. It’s fast, free and puts you in touch with specialists who can prepare quotes from £10,000 upwards.

Start Your Vehicle Finance Enquiry — Free Eligibility Check

Important information and disclaimers: Fast Business Loans is an introducer and does not provide loans or financial advice. Completing the enquiry form is not an application for credit and will not affect your credit score. Any finance offer, rate or approval is provided by the lender or broker you are introduced to and will be subject to their terms, conditions and assessments. All borrowing should be considered carefully and only undertaken where affordable.

For further help, contact our team via the enquiry form above and a vehicle finance partner will be in touch to discuss your needs.

– What vehicles can my UK business finance? You can fund vans, trucks, HGVs and trailers, company cars, minibuses/ambulances, specialist vehicles (e.g., refrigerated or welfare units), and EVs with charging infrastructure.
– Is Fast Business Loans a lender or an introducer? Fast Business Loans is an introducer that matches UK businesses with specialist lenders and brokers; it does not lend or provide financial advice.
– Will completing the Free Eligibility Check affect my credit score? No—your enquiry isn’t a credit application and won’t leave a footprint; lenders may run checks only if you choose to proceed.
– What’s the minimum vehicle finance amount available through your network? Most partners offer vehicle finance from around £10,000 and upward, subject to lender criteria and product type.
– Which vehicle finance options can I access? You can be matched to hire purchase (you own the vehicle at term end), finance/operating leases and contract hire (rental without ownership), plus asset refinance or sale-and-leaseback.
– Can I finance used, specialist or electric vehicles and chargers? Yes—many lenders fund used and specialist assets as well as EVs and charging infrastructure, subject to age, mileage and valuation limits.
– How fast can business vehicle finance be arranged? Standard deals can often be completed within a few working days once documents are supplied, while large or specialist fleets may take longer.
– Do I need a deposit for vehicle finance? Deposit requirements vary by product and credit profile, with some low- or zero-deposit options available and VAT payable up-front on certain agreements.
– Can you help start-ups or businesses with less-than-perfect credit? Yes—partners assess cases individually and often support a range of credit profiles and trading histories, with terms based on affordability and risk.
– What costs and terms should I compare when reviewing vehicle finance quotes? Compare APR/interest, fees, total amount payable, balloon or residual values, early settlement charges, and any mileage or condition clauses on leases.