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.
Vehicle Finance for UK Businesses Made Simple
Summary: Fast Business Loans connects UK limited companies and partnerships with lenders and brokers who can help arrange vehicle finance for business use — from single vans to large fleets. Complete a short, free enquiry (no obligation, no impact on credit score) and we’ll match you with providers for funding from £10,000 upwards. Get Started – Free Eligibility Check.
What is business vehicle finance?
Vehicle finance for business covers lending and leasing solutions that let companies acquire cars, vans, light commercial vehicles, HGVs, specialist plant and multi-vehicle fleets without paying the full purchase price upfront. It includes new and used vehicles, EVs and specialist commercial kit used on the road.
We introduce businesses (limited companies and partnerships) to brokers and lenders who specialise in commercial vehicle funding. If you need funding from £10,000 and above to buy, lease or refinance business vehicles, our free enquiry is a quick way to explore suitable options.
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
Why use Fast Business Loans for vehicle finance?
Searching for vehicle finance can be time-consuming. We simplify the journey by matching you to lenders and brokers that understand your sector and funding needs.
- Fast matching — a short enquiry connects you to multiple potential partners.
- Sector expertise — partners experienced with transport, construction, logistics and more.
- Compare options — multiple offers help you find the best structure for your cashflow and tax position.
- No cost to you — our matching service is free and without obligation.
Important: Fast Business Loans is an introducer — we do not provide loans or financial advice. Submitting an enquiry does not guarantee approval; any agreement is subject to lender checks and affordability assessments.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Ready to get matched? Get Started – Free Eligibility Check
How our vehicle finance matching process works
- Complete a quick enquiry (2 minutes) — tell us about your business, the vehicle(s) and the amount you need. No obligation and no impact on credit score for the initial enquiry. Get Quote Now.
- We match you — we select suitable lenders/brokers from our panel who are likely to consider your request.
- Partners contact you — expect a rapid response by phone or email to discuss terms and next steps. Lenders may perform credit checks later if you progress.
- Compare and decide — review offers, clarify fees and choose the option that fits. You decide if you wish to proceed; there’s no pressure.
Typical timescales: initial contact within hours to 48 hours depending on complexity; formal offers often follow once documents are provided and checks completed.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Vehicle finance options we can help you access
Different structures suit different goals. Here’s a concise guide to common vehicle finance types and when they’re used.
Hire Purchase (HP)
Pay fixed monthly instalments and own the vehicle once the final payment is made. Good when you want eventual ownership and predictable payments.
Finance Lease
Lender owns the asset during the lease. Often used when you want off-balance-sheet flexibility; VAT and tax treatment differs — seek independent tax advice.
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.
Operating Lease / Contract Hire
Similar to long-term rental; maintenance and residual value arrangements vary. Ideal for businesses that prefer not to own vehicles.
Balloon Payment Finance
Lower monthly payments with a larger final payment (balloon). Useful to manage cashflow while keeping options open at term end.
Refinance & Asset Refinance
Release cash tied up in owned vehicles by refinancing them — helps liquidity and working capital.
Green / EV Fleet Finance
Specialist products for electric vehicles and low-emission fleets; lenders may offer tailored packages or incentives.
Each option has pros and cons depending on cashflow, tax position and balance sheet preferences. We’ll match you to partners who can explain which is appropriate for your business.
Eligibility & what lenders consider
Generally lenders assess the business and the directors. Typical factors include:
- Trading history and company structure.
- Turnover and profitability (or forecast for growth investments).
- Credit history and existing indebtedness (adverse credit doesn’t automatically rule you out).
- Deposit or equity available — some products require a deposit or initial payment.
- Vehicle type, age and mileage — specialist vehicles and HGVs have specific criteria.
- Director guarantees or personal covenants for larger facilities.
We work with brokers who can find lenders comfortable with seasonal income, contract-based revenue, or multi-vehicle fleet requirements. If you’re unsure whether you qualify, the quickest way to find out is a free eligibility check.
Documents & information to prepare
Having accurate paperwork speeds up decisions. Typical documents lenders ask for include:
- Company registration details and VAT number (if applicable).
- Latest management accounts or statutory accounts (usually last 12–24 months).
- Recent business bank statements (3–6 months).
- Details of the vehicle(s): quotes, spec sheets, registration or invoices.
- ID and proof of address for directors (passport/driving licence and a recent utility bill).
- Details of existing finance agreements or outstanding credit.
Accurate information helps brokers obtain firm offers faster. When you’re ready, submit details via our short form and we’ll take care of the introductions.
Tailored vehicle finance by sector
Lenders evaluate industries differently. Here’s how we support key sectors:
Logistics & Transport
Fleet finance specialists consider fleet size, contract length and vehicle utilisation. Flexible renewal terms and refinance options are common.
Construction & Plant Hire
Finance for tipper trucks, plant and specialist vehicles often combines asset finance with short-term working capital facilities.
Courier & Delivery
High-turnaround businesses benefit from rapid funding and tailored maintenance packages to keep vehicles on the road.
Whatever your sector, we match you with brokers familiar with its income patterns and asset needs.
Cost considerations & FAQs on pricing
Costs vary by vehicle type, credit profile and finance structure. Typical points to consider:
- Representative APRs vary widely; any figures we or brokers discuss are illustrative only and subject to lender assessment.
- Deposits reduce monthly payments and may lower rates.
- Arrangement, documentation or balloon fees may apply — always confirm fees before agreeing.
- Tax treatment (capital allowances, VAT recovery) depends on the finance type and your tax position — seek independent tax advice.
We encourage comparing multiple firm offers so you can weigh total cost versus cashflow and long-term needs.
Success highlights
Here are anonymised examples of outcomes achieved for UK businesses using our matching service:
- Regional courier: matched to a broker who secured a multi-vehicle lease enabling a 30% uplift in delivery capacity within 6 weeks.
- Small haulage operator: refinanced an ageing truck to release working capital and replaced it with a newer HGV on manageable monthly terms.
- Contractors’ fleet: consolidated separate vehicle loans into a single finance package reducing monthly outgoings and admin.
Results vary by case and depend on lender terms and checks. These examples illustrate the kinds of practical improvements our service can unlock.
FAQs: Vehicle finance via Fast Business Loans
Will enquiring affect our company credit score?
No — submitting our short enquiry does not affect your credit score. Lenders may carry out credit checks later if you decide to progress with an application.
Can I use vehicle finance for electric vehicles (EVs)?
Yes — our panel includes brokers experienced in EV and green fleet finance who can outline incentives and appropriate structures.
What is the minimum finance amount Fast Business Loans handles?
We typically work with funding requests from £10,000 and above. If your requirement is below this threshold, let us know and we can advise on suitable alternatives.
Do you charge businesses to use the service?
No — our matching service is free for businesses and without obligation. Any charges come from the lender or broker if you proceed with an offer.
How quickly will I receive offers?
Many brokers contact you within hours during business days. Complex or large fleet requests may take longer while detailed valuations and checks are completed.
Next steps & compliance reminder
1) Complete our short enquiry — it takes under 2 minutes. 2) We’ll match you with appropriate lenders/brokers. 3) Compare offers and decide. It’s free and without obligation.
Fast Business Loans is an introducer that connects businesses with lenders and brokers; we do not provide finance or regulated financial advice. Any offer you receive will be subject to lender terms and affordability checks. For tailored tax or accounting implications, please consult an independent advisor.
– What vehicles can I finance through Fast Business Loans?
You can finance cars, vans, light commercials, HGVs, specialist vehicles and multi-vehicle fleets, including new, used and electric vehicles.
– What business vehicle finance options are available?
Our partners offer Hire Purchase, Finance Lease, Operating Lease/Contract Hire, balloon payment deals and vehicle refinance, including green/EV finance packages.
– What is the minimum funding amount for vehicle finance?
We typically match enquiries for vehicle finance starting from £10,000 and upwards.
– Will submitting an enquiry affect our company credit score?
No—the initial enquiry is a free, no‑obligation eligibility check and won’t affect your credit score; lenders may run checks only if you proceed.
– How quickly can we get matched and receive offers?
Most businesses hear from lenders or brokers within hours (or up to 48 hours for complex or fleet cases) after submitting details.
– Is Fast Business Loans a lender, and do you charge fees?
Fast Business Loans is an introducer that connects you with UK lenders and brokers, and our matching service is free with any fees only charged by the provider if you proceed.
– Who is eligible for business vehicle finance via Fast Business Loans?
UK limited companies and partnerships can enquire, with lenders assessing factors such as trading history, turnover, credit profile, deposit and vehicle details, and adverse credit doesn’t automatically exclude you.
– What documents will lenders usually require?
Expect to provide recent accounts, 3–6 months’ bank statements, director ID and address, and vehicle quotes/specs or invoices.
– Do I need a deposit for vehicle finance?
Some products require an initial payment or deposit, which can lower monthly costs and potentially secure better rates.
– Will we own the vehicle at the end of the agreement?
With Hire Purchase you own the vehicle after the final payment, while leases typically return or renew the vehicle without ownership.