Vehicle Finance for UK Businesses: Compare Loans, Leasing & Asset-Finance Options Fast
Summary: Fast Business Loans helps UK companies secure vehicle funding by matching enquiries (not applications) with specialist brokers and lenders. We work with partners offering hire purchase, finance lease, contract hire, fleet funding and refinance solutions for commercial vehicles from around £10,000 upwards. Complete a quick, no‑obligation Free Eligibility Check and we’ll match you to providers who understand your sector and vehicle requirements. Free Eligibility Check
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.
How Fast Business Loans Makes Vehicle Finance Simple
Need vans, HGVs or a whole fleet? Here’s the kicker: searching dozens of lenders wastes time and risks missing sector specialists. Fast Business Loans is a free introducer that quickly matches your enquiry with brokers and lenders that specialise in commercial vehicle funding. We don’t lend or provide regulated financial advice — we connect you to the providers who can.
Our 3‑step process:
- Complete a short enquiry (it’s not an application — just details to match you).
- We match you to the most relevant brokers/lenders.
- You receive contact and illustrations to compare — decide whether to proceed.
Get Quote Now — no obligation, takes under 2 minutes.
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.
What Counts as Business Vehicle Finance?
Business vehicle finance covers a range of products designed to acquire or refinance commercial vehicles and related assets. Typical options include hire purchase, finance leases, operating leases (contract hire) and asset refinance. Below is a quick contrast so you know what fits your plans.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
| Product | Ownership | Typical term | Ideal for |
|---|---|---|---|
| Hire Purchase (HP) | Ownership after final payment | 2–5 years | Businesses wanting to own the vehicle |
| Finance Lease | Lessor owns asset; option to buy | 2–7 years | Tax-efficient funding without immediate ownership |
| Operating Lease / Contract Hire | Lessor owns vehicle | 2–5 years | Businesses that prefer off-balance-sheet fleet management |
| Asset Refinance | Free up cash from existing vehicles | Varies | Improve cashflow without selling assets |
Why that matters: product choice affects VAT treatment, balance sheet, monthly cost and end‑of‑term options — which is why being matched to the right broker is so valuable.
Popular Use Cases We Support
Logistics & Delivery Fleets
Rapid scale‑up, refrigerated units, ADR requirements — many lenders specialise in financing multi‑vehicle purchases or refurbishments.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Trades & Construction Vehicles
Hi‑abs, tippers and plant transport often need flexible terms and tolerance for higher mileage. We match you to lenders who understand trade cycles.
Passenger Transport & Mobility Services
Minibuses, shuttle fleets and taxis — specialised underwriting considers passenger safety, PSV licensing and usage patterns.
EV Transition & Sustainability Goals
Planning to switch to electric vans or HGVs? We work with partners experienced in EV finance and funding for chargers and infrastructure.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Why Businesses Choose Fast Business Loans for Vehicle Funding
- Speed: quick matches so you get offers fast.
- Tailored: we connect you with partners that specialise in your sector and vehicle type.
- No obligation: an enquiry is not an application — you decide whether to proceed.
- Loan sizes: finance solutions typically from £10,000 upwards up to multi‑million fleet funding.
- Confidential: we only share your details with relevant providers to speed up a decision.
Free Eligibility Check — get matched in minutes.
Vehicle Finance Options Explained
Hire Purchase (HP)
Deposit typically 0–20%, fixed monthly payments, and ownership transfers after the final payment. Simple and common for vans and trucks.
Finance Lease
Payments cover vehicle depreciation; ownership usually remains with the funder unless an option to purchase is exercised. Popular for businesses wanting tax-efficient arrangements.
Operating Lease / Contract Hire
Monthly rental for a set period — maintenance packages and replacement options are common. Ideal for businesses that prefer predictable fleet costs.
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.
Asset Refinance
Release equity from vehicles already on the balance sheet to improve cashflow. Useful when cash is needed but selling the asset is not desirable.
Tip: ask potential providers about seasonal payment schedules or balloon/residual options if your business has variable income.
Eligibility Snapshot & Documentation Checklist
Typical lender criteria vary by product, but common requirements include:
- Trading history and company turnover (some lenders will consider newer businesses with supporting director information).
- Business bank statements (usually 3–6 months).
- Most recent year-end accounts or management accounts.
- Vehicle specification/quotation and supplier details.
- Identity documents for directors (where required).
Remember: an enquiry through Fast Business Loans is only used to match you — it’s not a formal application and won’t trigger lender checks until you choose to proceed. Get Started.
Costs, Rates & How Repayments Work
Rates and fees depend on vehicle type, loan product, term, deposit and business credit profile. Here’s what to watch for:
- Interest types: APR (effective annual rate) vs flat rate — lenders must show APR for comparability.
- Fees: arrangement fees, option-to-purchase fees, maintenance charges for leases.
- VAT: treatment depends on whether the business is VAT-registered and on the product chosen.
- Residual/balloon payments: may reduce monthly cost but increase final payment.
Fast Business Loans will connect you with providers who give full illustrations — exact figures are always subject to provider assessment. Free Eligibility Check.
Fast Business Loans Process: From Enquiry to Keys
- Submit a short enquiry form (not an application).
- We match you to 1–3 suitable brokers/lenders.
- A matched partner contacts you to discuss terms and gathers documents.
- Receive formal offers and compare total cost and terms.
- Sign with your chosen provider and take delivery of the vehicle.
Typical response times: many businesses hear from a matched partner within hours on business days. Payout depends on the lender and documentation speed.
How to Strengthen Your Application
- Prepare clean, up‑to‑date business bank statements and accounts.
- Have a clear vehicle quotation (spec, price, supplier contact).
- Consider a deposit to reduce monthly costs and improve acceptance chances.
- Be transparent about previous credit issues — some lenders specialise in higher-risk cases.
- Provide a simple cashflow forecast if you are expanding fleet size.
Small improvements often make a big difference to rates and acceptance. Ready to compare? Get Quote Now.
Comparing Vehicle Finance with Other Funding Routes
Vehicle finance vs other routes:
- Dealer finance: convenient but not always competitive — brokers may source better deals.
- Bank loans: can suit established businesses but often require longer underwriting times.
- Unsecured business loans: faster but usually higher cost and limited for higher vehicle values.
- PCP (personal schemes): typically aimed at individuals; for company vehicles, business finance products are usually preferable.
We’ll match you to the right specialists so you can compare like‑for‑like. Start My Comparison.
Success Snapshot: Real UK Businesses We’ve Helped
Here are anonymised examples of outcomes our matched partners delivered:
- London courier service: financed 8 refrigerated vans via a hire purchase package that improved cashflow and avoided a large upfront cost.
- Regional trades contractor: replaced ageing tippers and secured seasonal repayment structuring to match contract income.
- Transport operator: refinanced an older fleet to release equity and fund new electric vehicles and chargers.
Frequently Asked Questions on Vehicle Finance
Can I finance used commercial vehicles?
Yes. Many lenders finance used vans, trucks or specialist vehicles, subject to age, mileage and condition restrictions. Provide vehicle details in your enquiry so we can match you appropriately.
Do you provide the loan directly?
No — Fast Business Loans introduces your enquiry to brokers and lenders. The matched provider handles the formal application and contract.
Will my enquiry affect my credit score?
No. Submitting an enquiry with Fast Business Loans is not a credit application and does not affect your business credit. Lenders may carry out checks later if you proceed.
Can I fund electric vehicles and charging infrastructure?
Absolutely. We match you with partners experienced in EV finance, including packages that bundle vehicles and chargers.
Is a personal guarantee required?
Sometimes. Requirements depend on business size, age, and product. Brokers will explain if a guarantee or director security is likely.
How long does approval and payout take?
Times vary. Many matched providers can give indicative offers within 24–72 hours once documentation is provided; complex fleet deals can take longer.
What if I’ve been refused before?
Don’t assume refusal is final. We work with a wide panel; a different lender or product could suit your circumstances. Be transparent about prior decisions in your enquiry.
Want a tailored answer? Free Eligibility Check.
Get Started Today
Fast Business Loans makes finding vehicle finance straightforward. Tell us what you need, and we’ll connect you with lenders and brokers who can provide tailored options for vans, HGVs, minibuses or whole fleets — for funding from around £10,000 and up.
Ready to see your options? Submit a short enquiry (not an application) and get matched to specialist partners: Free Eligibility Check.
Important Disclaimer
Fast Business Loans is an introducer and does not provide lending or regulated financial advice. An enquiry is not a loan application and does not guarantee offers. All finance is subject to provider assessment, terms and eligibility. We share your enquiry with matched brokers and lenders relevant to your request; you decide whether to proceed. Always read full provider terms and, where appropriate, seek independent advice.
We take data protection seriously and only share your details with parties relevant to your enquiry.
– What is Fast Business Loans and how does it help with vehicle finance?
Fast Business Loans is an introducer that matches UK businesses to specialist brokers and lenders for vehicle finance via a free, no‑obligation eligibility check.
– Will submitting an enquiry affect my credit score?
No, the enquiry is not a credit application and won’t affect your credit score; checks only occur if you proceed with a lender.
– What vehicle finance options can I compare?
You can compare hire purchase, finance lease, operating lease/contract hire, fleet funding and asset refinance for commercial vehicles.
– What’s the minimum and maximum I can fund?
Vehicle finance typically starts from around £10,000 and can scale to multi‑million fleet packages, subject to provider assessment.
– How fast can I get offers and funding?
Most businesses hear from a matched partner within hours and many deals complete in 24–72 hours once documents are supplied.
– Can I finance used vehicles or electric vehicles (EVs)?
Yes, many partners fund used vans and HGVs (subject to age and mileage) and offer EV finance including chargers and infrastructure.
– Do you support start‑ups or businesses with previous credit issues?
Yes, some lenders consider newer businesses and higher‑risk cases when supported by director information and clear documentation.
– What documents will I need for vehicle finance?
Typically you’ll need 3–6 months’ business bank statements, recent accounts or managements, director ID, and a vehicle quote with supplier details.
– Do I need a deposit or personal guarantee?
Deposits of 0–20% are common for HP and a personal guarantee may be required depending on business age, size and credit profile.
– How do costs, VAT and repayments work?
Rates, fees and VAT treatment depend on product and VAT status, with options like fixed payments, seasonal schedules and balloon/residuals to tailor monthly costs.