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.
Logistics Business Loans & Finance – Fast, Trusted Connections
Summary: Fast Business Loans helps UK logistics and transport companies find vehicle, asset and working capital finance from a wide panel of lenders and brokers. We’re an introducer — not a lender — and our free, no-obligation enquiry helps match businesses seeking finance of £10,000 and above with the right providers quickly. Complete a short form to get a Free Eligibility Check and receive tailored contact from qualified partners.
Table of Contents
- Why UK Logistics Firms Seek External Finance in 2024
- Typical Logistics Cash Flow Pressures
- Finance Options We Can Match
- How Fast Business Loans Supports Logistics Businesses
- Eligibility Snapshot: What Lenders Typically Look For
- Preparing a Strong Logistics Finance Application
- Responsible Borrowing & Cost Considerations
- Real-World Outcomes (Anonymised)
- Why Logistics Businesses Choose Fast Business Loans
- Logistics Finance FAQs
- Ready to Explore Logistics Finance?
Why UK Logistics Firms Seek External Finance in 2024
The logistics sector continues to face cost pressure and change: fuel price volatility, driver shortages, longer payment terms from big clients and rising compliance costs (from emissions rules to Clean Air Zones). Many operators need finance not just to expand, but to stabilise operations.
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.
Common funding needs include:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Fleet acquisition or replacement (vans, HGVs, trailers)
- Warehouse upgrades and automation (racking, robotics, WMS)
- Working capital to bridge long invoice cycles and brokered payments
- Refinancing to improve monthly cashflow
- Investment in sustainability (EV vans, telematics, depot EV chargers)
Fast Business Loans matches logistics businesses to lenders and brokers with relevant transport experience, helping avoid time wasted on unsuitable providers. For a deep industry overview see our logistics sector pillar on logistics business loans.
Typical Logistics Cash Flow Pressures We Hear About
Logistics firms often juggle tight margins and variable income. Here are the most common pressures:
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Fuel & Maintenance Volatility
Fuel price swings and unexpected repair bills can quickly erode margins. Access to a short-term working capital facility can smooth peaks and troughs.
Long Invoice Cycles & Brokered Contracts
Many hauliers wait 30–90 days for payment through brokers or shippers. Invoice finance or factoring can unlock cash tied up in receivables.
Seasonal Peaks
E-commerce peaks and seasonal demand need temporary capacity—either more vehicles or temporary warehouse space. Short-term asset or bridging finance helps cover those spikes.
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Regulatory Compliance & Clean Air Zones
Upgrading to Euro 6, fitting emissions-reduction kit, or switching to low-emission vehicles requires capital. There are specialised lenders for green upgrades.
Speak to Matching Experts Today
Finance Options Fast Business Loans Can Match for Logistics Companies
No single product suits every operator. We introduce businesses to brokers and lenders who specialise in transport funding and can offer a combination of products:
Asset & Vehicle Finance
Hire purchase, finance leases and refinance for HGVs, vans and trailers. Options exist for new and pre-owned vehicles; telematics and warranties are often accepted as part of the case.
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.
Invoice Finance & Factoring
Convert unpaid invoices into immediate cash to reduce debtor days and keep drivers paid. Suitable where long settlement terms exist.
Working Capital / Unsecured Loans
Short-term facilities to cover payroll, depot costs and fuel while waiting for client payments. Typically for borrowing needs above £10,000.
Equipment & Warehouse Automation Finance
Funding for racking, conveyors, robotics or WMS implementations that improve throughput and reduce labour costs.
Commercial Property & Mortgage Finance
Purchase or refinance of depots and yards — tailored lending depending on property use and valuation.
Green & ESG-linked Funding
Loans and leases for EVs, solar PV or other green investments. Some products offer preferential terms where sustainability criteria are met.
Rates, terms and product availability vary by lender. All offers are subject to status, affordability and lending criteria assessed by our partner providers.
Compare Logistics Finance Options
How Fast Business Loans Supports Logistics Businesses
We make the search simple. Our four-step introduction process is sector-focused and fast:
- Quick enquiry form — takes under two minutes; gives us the basics of your business and funding need.
- Screening & matching — we match you to brokers and lenders with logistics experience.
- Partner contact — matched partners contact you directly; many respond within hours.
- You decide — review proposals and proceed only if you choose. There’s no obligation to continue.
Benefits:
- Sector-aware matching increases your chances of a suitable offer
- Enquiry does not affect your credit score
- Free to use and no obligation to accept any offer
Start Your Logistics Loan Enquiry
Eligibility Snapshot: What Lenders Typically Look For
While criteria vary across lenders, common requirements include:
- UK-registered limited companies or LLPs (note: we do not handle sole trader professional loans).
- Minimum loan amounts usually start from around £10,000 upwards.
- Trading history expectations — some lenders accept newer firms with strong contracts; others prefer established trading history.
- Turnover and profitability metrics — bank statements and management accounts are commonly requested.
- Fleet details for vehicle finance (age, mileage, condition).
- For invoice finance: details of debtors and average invoice values.
- Personal guarantees may be requested depending on the loan and lender.
Our broker partners can often structure approaches that fit differing profiles — we’ll match you to the right partner based on your situation.
Preparing a Strong Logistics Finance Application
Better-prepared applications get faster, stronger responses. Tips to improve approval odds:
- Keep management accounts and bank statements up to date (last 3–12 months as requested).
- Provide copies of major contracts, broker agreements or long-term customer letters.
- Maintain a clear fleet inventory and service/maintenance records — this supports asset valuations.
- Show a straightforward business plan or use-case for the funds (how the loan improves cashflow or increases revenue).
Documents checklist (typical): company registration, recent accounts, management accounts, business bank statements, ID for directors, fleet list, copies of major contracts.
Nothing on this page constitutes financial advice; speak to a partner broker or regulated advisor if you need formal advice.
Responsible Borrowing & Cost Considerations
Borrowing can support growth but carries cost and risk. Key points to consider:
- Interest rates, arrangement and admin fees will vary by lender and risk profile.
- APR depends on term, security and credit profile; read the full terms before accepting.
- Missed repayments can affect credit ratings and may lead to asset repossession on secured deals.
- Consider total cost of ownership for financed assets (maintenance, insurance, residual values for leases).
We encourage businesses to compare offers and ask partners for clear, itemised costs before proceeding.
Real-World Outcomes: Logistics Firm Success Stories
Regional Haulier Upgrades to Euro 6 Fleet
Challenge: Tight emissions deadlines and older vehicles. Solution: Introducer matched the haulier with an asset finance broker who arranged HP for five Euro 6 tractors. Amount: £220,000. Outcome: Fleet compliant, lower ULEZ exposure, stable monthly payments aligned with contract income.
3PL Warehouse Expands for Peak Season
Challenge: Needed temporary increase in handling capacity ahead of peak retail season. Solution: Invoice finance combined with a short-term working capital loan arranged through a broker. Amount: £75,000. Outcome: Hired seasonal staff and leased extra racking; increased throughput and revenue for the peak period.
Why Logistics Businesses Choose Fast Business Loans
Our differentiators:
- Wide panel with transport and logistics specialists.
- Fast matching and typical partner response times within hours.
- Human-led support — we route enquiries to partners who best fit your case.
- Free, no-obligation service for businesses seeking £10,000 and above.
“We saved weeks of searching — the matched broker understood our fleet needs and produced a realistic finance plan.” — anonymised client
Logistics Finance FAQs
Do you fund start-up logistics firms with limited trading history?
We can introduce start-ups to brokers who assess each case individually. Some lenders accept strong contracts and credible forecasts; terms vary by provider.
Can I finance second-hand HGVs or specialist trailers?
Yes — many lenders accept used vehicles subject to age, mileage and valuation criteria. Provide maintenance history to strengthen the case.
How quickly could funding be in place after enquiry?
Indicative responses often arrive within hours; formal offers depend on documentation and underwriting and can take days to weeks depending on product complexity.
Will checking eligibility affect my credit score?
No — submitting our enquiry is a non-credit-search step. Lenders may perform hard credit checks later if you apply to them directly.
Can I refinance existing fleet loans through your partners?
Yes — refinancing is a common request. We’ll match you to partners who specialise in restructuring or consolidating asset and commercial loans.
Do you offer finance for sustainable/alternative-fuel vehicles?
Yes — some partners specialise in green or ESG-linked funding for EV conversions, chargers and low-emission fleets.
Are personal guarantees required for logistics loans?
Personal guarantees depend on lender risk appetite, company structure and loan size. Brokers can often negotiate terms or recommend alternative structures.
What regions of the UK do your lending partners cover?
Our partners operate across the UK; specific lender coverage is confirmed during the matching process.
Ready to Explore Logistics Finance?
If your logistics business needs fleet upgrades, warehouse investment, or working capital from around £10,000 upward, our quick enquiry helps you find the right lender or broker — fast and without obligation. It takes under two minutes to start.
Start Your Enquiry — Free Eligibility Check
Fast Business Loans is an introducer that connects businesses with lenders and brokers. We do not lend money or provide regulated financial advice. Finance is subject to status, lender criteria and affordability checks. Late or missed payments may affect credit records and could lead to repossession of secured assets. For full details see our Terms and Privacy Policy.
– What is Fast Business Loans and are you a lender?
We’re an introducer, not a lender, connecting UK logistics and transport businesses to suitable lenders and brokers for finance from £10,000+.
– Is the enquiry form a loan application?
No — it’s a free, no-obligation enquiry used to match you with relevant finance partners, not a formal application.
– What types of logistics finance can you match me with?
We can introduce you to asset and vehicle finance (HGVs, vans, trailers), invoice finance/factoring, working capital loans, equipment/warehouse automation funding, commercial property finance, and green/ESG-linked funding.
– What’s the minimum loan amount and who is eligible?
Most partners consider funding from around £10,000 for UK-registered limited companies or LLPs, with criteria varying by lender and product.
– How quickly will I hear back and how long can funding take?
You’ll typically hear from matched partners within hours on business days, while funding timelines vary from a few days to several weeks depending on underwriting and product complexity.
– Will submitting an enquiry affect my credit score?
No — our enquiry is a soft, non-credit-search step, though lenders may run credit checks later if you choose to proceed.
– Can you finance used HGVs, vans, or specialist trailers?
Yes — many partners finance used vehicles subject to age, mileage and valuation checks, with maintenance records strengthening the case.
– Do you support start-ups or firms with limited trading history?
Some lenders will consider newer logistics firms on a case-by-case basis, especially where strong contracts and credible forecasts are provided.
– Can you help with invoice finance for long payment terms (e.g., 30–90 days)?
Yes — partners offer invoice finance and factoring to unlock cash tied up in receivables and smooth cash flow.
– Will I need a personal guarantee and what will it cost?
Personal guarantees may be required depending on lender, loan size and risk, and rates/fees vary by product and profile, so request itemised quotes from matched partners.