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.
Business Vehicle Finance: Compare Lenders & Get a Fast Quote
Summary: Need funding for vans, HGVs or a whole fleet? Fast Business Loans connects UK limited companies and incorporated businesses to specialist lenders and brokers who provide vehicle finance from around £10,000 upwards. We’re an introducer (not a lender) — submit a short enquiry and get a free eligibility check and tailored quotes from partners who match your sector and vehicle type. Get Started – Free Eligibility Check
Why UK Businesses Use Vehicle Finance
Vehicle finance helps businesses preserve working capital, spread the cost of essential vehicles, and upgrade fleets to more efficient or electric models without a large upfront cash outlay. Common reasons include:
- Preserve cash flow — keep money for operations rather than buying outright.
- Tax and accounting flexibility — different products have different balance-sheet effects.
- Fleet agility — scale up or refresh vehicles to meet seasonal demand.
- Support EV transition — finance can include charging infrastructure and grants.
Whether you operate delivery vans, rigid trucks, HGVs or specialist plant-carrying vehicles, the right finance product can reduce monthly cost and risk. Ready for tailored options? Get a Fast Quote
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.
Fast Business Loans: How We Help You Secure the Right Vehicle Finance
Fast Business Loans connects businesses with lenders and brokers across the UK. We do not provide loans ourselves; instead we use a panel of specialist partners to find competitive, sector-appropriate solutions.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Simple 4-step process
- Complete a short enquiry (takes under 2 minutes).
- We match your details to suitable lenders and brokers.
- Partners contact you with indicative offers and next steps.
- Compare offers, choose a provider and proceed directly with them.
Who we typically support
We match limited companies and incorporated businesses in sectors such as logistics, construction, care & transport, retail and manufacturing with lenders who understand their funding needs. Our service is free and no obligation — submit your details for a Free Eligibility Check.
Vehicle Finance Options We Can Match You With
Different finance products suit different objectives. Below are the most common options our partners offer:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Hire Purchase (HP)
Pay monthly instalments; ownership transfers after the final payment. Good for businesses that want to own the vehicle at the end of the term. Typical deposits and terms vary by lender; loans usually start at around £10,000.
Finance Lease
You contract to pay for use of the vehicle for a set term. The vehicle is not owned by you; useful if you want off-balance-sheet flexibility and bundled maintenance.
Operating Lease / Contract Hire
Long-term rental with fixed monthly costs. Often includes maintenance and makes fleet replacement predictable. Mileage and wear policies apply.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Asset Refinance for Vehicles
Release equity tied up in existing vehicles to improve cash flow or refinance costly agreements. Terms and amounts vary by lender.
Specialist & Short-Term Solutions
These include short-term rental finance, green vehicle packages for EVs (including charger funding), and options from brokers who handle limited-credit or complex industry cases. We can direct you to these specialist partners on request.
Not sure which suits you? Tell us about your vehicle needs and get personalised options: Free Eligibility Check.
Matching Finance to Your Vehicles & Business Use
The right product depends on vehicle type, mileage, and how you use it. Typical match-ups:
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
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.
- Last-mile delivery vans — operating lease for predictable costs and frequent renewal.
- Trades fleets (builders, electricians) — hire purchase or finance lease for ownership and tax allowances.
- HGVs and artic units — specialist asset finance or bespoke leasing arrangements.
- Plant-carrying vehicles — asset finance that can include ancillary equipment.
- EV fleets — packages that include vehicle finance and infrastructure funding support.
For detailed guidance on commercial vehicle funding options, you can also read our in-depth vehicle finance hub at vehicle finance.
Tell us about your fleet goals — Get Quote Now.
What Lenders Look For & How to Prepare
Preparing the right documents and information speeds approval. Lenders commonly assess:
- Trading history and business performance (accounts, turnover).
- Credit profile — company and sometimes director checks (soft checks for enquiries).
- Deposit availability and vehicle details (age, mileage, condition).
- Purpose of vehicle (commercial use, rental, logistics).
Preparation checklist
- Latest management accounts or company accounts.
- VAT returns where applicable.
- List of vehicles required (make/model, mileage, new/used).
- Existing finance agreements and payment history.
Even if you’ve been declined elsewhere, our panel may include brokers able to help. Submit a short enquiry for a soft, no-obligation check: Free Eligibility Check.
Understanding Costs, Terms & Legal Considerations
Costs vary by product, lender and credit profile. Typical elements to consider:
- Interest or finance charge (APR shown by lenders) — indicative ranges depend on risk and product.
- Deposits and initial rentals — some products require an upfront payment.
- Balloon or residual payments — common in HP and some leases; plan for end-of-term options.
- Mileage limits, excess wear charges and maintenance responsibilities with leases.
- Insurance and the need for comprehensive cover — lenders may set minimum requirements.
All cost examples we mention are indicative only; exact offers depend on lender underwriting. If you need a tailored breakdown, submit your details: Get a tailored breakdown.
Sustainability & EV Transition Support
Many partners specialise in green vehicle finance — packages can include EV supply, charger installation and access to available grants. Benefits of switching to EVs can include reduced running costs and improved CSR credentials, but assess total cost of ownership (battery life, charging infrastructure and mileage patterns).
Explore green vehicle finance with a quick enquiry: Get Started.
Success Stories
Construction firm, West Midlands — Funded 5 new panel vans in 14 days. Funding amount: £120,000. Outcome: Faster job turnaround and reduced subcontractor costs.
Food delivery operator, Greater London — Replaced aged fleet with low-emission vans via an operating lease. Funding managed: £85,000. Outcome: Lower fuel costs and streamlined maintenance.
Logistics SME, North East — Refinance of existing vehicle assets to improve monthly cash flow. Funding released: £60,000. Outcome: Working capital for seasonal peak.
Ready to be our next success story? Get Quote Now
How to Apply Through Fast Business Loans
Our enquiry form is short and non-binding. You provide basic business and vehicle information and we match you with lenders or brokers likely to help. After submission you’ll typically receive contact from matched partners to discuss options and documentation.
Start your enquiry now — it takes under two minutes: Free Eligibility Check.
Frequently Asked Questions
Can start-ups access vehicle finance?
Yes — some brokers on our panel support newer businesses, though terms may require additional security or director guarantees. Each lender has different criteria.
What documents are typically needed?
Management accounts or company accounts, VAT returns (if applicable), company registration details, ID for directors, and vehicle specifications. Exact requirements depend on the partner handling your case.
Do you finance used vehicles or auctions?
Many partners provide finance for both new and used vehicles and can advise on auction purchases. Condition and vehicle history influence terms.
How quickly can funding be approved?
Timelines vary. Some partners can provide decisions within 24–72 hours once full documentation is supplied; delivery and registration add extra time.
Will enquiring affect my credit score?
No. Submitting an enquiry via Fast Business Loans does not affect your credit score. Lenders may carry out credit checks only if you proceed with an offer.
Can I refinance existing vehicle agreements?
Yes — refinancing to release equity or improve monthly payments is commonly available through our panel, subject to eligibility.
Still have questions? Contact us for a no-obligation chat or complete a quick enquiry: Get Started – Free Eligibility Check.
Disclaimer & Transparency Statement
Fast Business Loans is an introducer that connects businesses with lenders and brokers. We do not lend money or provide regulated financial advice. Any lending decision and terms are at the lender’s discretion. Our service is free to businesses; matched brokers or lenders will disclose fees and charges up front. Eligibility, rates and terms depend on individual circumstances — you may wish to obtain independent advice before agreeing any finance.
Privacy Policy, Terms and Complaints information can be found on our site.
Note: Fast Business Loans arranges introductions to lenders and brokers for vehicle finance from around £10,000 and upwards. We do not supply loans directly. Completing the enquiry helps us match you to the most suitable providers — there is no obligation to proceed.
1) How does Fast Business Loans work for business vehicle finance? – Complete a two-minute enquiry, we match your UK company with specialist vehicle finance lenders/brokers, and you compare no-obligation quotes.
2) Is the enquiry an application and will it affect my credit score? – No—it’s a free eligibility check (not a full application) and won’t affect your credit; lenders only run checks if you choose to proceed.
3) What vehicle finance options can I compare? – You can compare hire purchase, finance lease, operating lease/contract hire, asset refinance and specialist short-term or EV packages.
4) What types of vehicles can be funded? – Funding is available for vans, HGVs, rigid trucks, plant-carrying vehicles and full fleets, for both new and used assets (including auction purchases).
5) Who is eligible to use the service? – UK limited companies and incorporated businesses across sectors like logistics, construction, care, retail and manufacturing are typically eligible.
6) What are the typical loan amounts, deposits and terms? – Finance usually starts from around £10,000, with deposits, term lengths and any balloon/residual payments set by the lender based on your profile.
7) How quickly can I get a decision or funding? – Many partners can provide indicative decisions within 24–72 hours once documents are supplied, with delivery/registration timing depending on the vehicle.
8) What documents will lenders usually ask for? – Expect recent accounts or management figures, VAT returns (if applicable), company and director ID, plus vehicle details (make, model, age and mileage).
9) Can start-ups or businesses with previous declines get vehicle finance? – Yes—some brokers on our panel support newer or complex cases, though you may need additional security or director guarantees.
10) Can I finance EVs or refinance my existing agreements? – Yes—partners offer green vehicle finance including charger funding and grant guidance, and can refinance vehicles to release equity or reduce monthly costs.