Logistics Business Loans: Fast Funding Options for UK Transport, Haulage & Warehouse Firms

Summary: Fast Business Loans connects UK logistics companies with lenders and specialist brokers to secure business finance from £10,000 upwards. Use our free, no‑obligation eligibility check and get matched quickly to providers that understand fleets, fuel pressures, seasonal cashflow and warehouse investment. Complete a short enquiry today and receive tailored responses from lenders and brokers who can help — Get Started – Free Eligibility Check.

Why logistics businesses turn to specialist finance

Logistics companies face specific financial pressures: volatile fuel costs, heavy ongoing maintenance for fleets, compliance upgrades, long debtor days from large retailers and seasonal demand swings. These factors can create spikes in working capital needs and require lenders who understand the sector’s cycles.

• Fuel price spikes and route costs affect margins quickly.
• Fleet replacement or upgrade is capital intensive (HGVs, refrigerated units, electric conversions).
• Large customers can create 30–90 day payment terms, tying up cash.
• Investment in telematics, automation and warehousing can be costly but strategic.

Let’s break down what that means for your cashflow and funding options — and how to get a quick, relevant response without wasting time on unsuitable lenders.

How Fast Business Loans supports UK logistics firms

Fast Business Loans acts as an introducer: we don’t provide credit or give regulated financial advice. Instead, we match your business with vetted lenders and brokers who specialise in transport, haulage and warehousing finance. Our service is free and non‑binding.

Typical 4-step process:

1. Complete a short enquiry (takes under 2 minutes).
2. We match your brief to lenders and brokers experienced in logistics.
3. Matched partners contact you quickly with likely options and indicative costs.
4. You review offers and decide which provider to progress with — no obligation.

Complete a free check now: Free Eligibility Check

Finance options available for logistics & transport companies

Depending on your need — from bridging cashflow to major fleet investment — different products suit different situations. Below are the common solutions our partners arrange.

Working Capital & Cashflow Loans

Short-term loans and overdrafts to cover fuel spikes, payroll or seasonal peaks. Useful for stabilising day-to-day operations while waiting on large customer payments.

• Typical uses: fuel surges, temporary labour, short-term vehicle repairs.
• Benefits: quick access, flexible terms.

Asset & Vehicle Finance

Hire purchase, lease purchase and finance lease options for vans, trucks and specialist vehicles (reefers, tail-lifts). Suitable for fleet expansion or replacement with predictable monthly costs.

• Use case: replacing ageing HGVs, adding refrigerated units.
• Often structured against the vehicle as security.

Invoice Finance & Factoring

Unlock cash tied up in unpaid invoices. Particularly useful when dealing with large retail or supermarket customers with long payment terms.

• Factoring gives immediate cash for invoices; invoice discounting leaves sales ledger control with you.
• Helps smooth working capital and fund operational growth.

Refinancing & Debt Consolidation

Bring multiple higher-cost facilities into a single, more manageable facility to improve monthly cash flow and reduce admin burden.

Specialist Funding: Warehousing, IT & ESG Upgrades

Funding for racking, automation, telematics installations, and green fleet conversions (e.g., low-emission vehicles or EV chargers). For sector-specific examples see our logistics business loans page: Logistics business loans.

Need a tailored option? Get a bespoke finance quote.

Eligibility snapshot: do you qualify?

Eligibility varies by lender and product, but common criteria include:

• UK-registered limited companies (and similar corporate structures).
• Trading history — many lenders prefer at least 12 months’ trading for unsecured or certain asset deals (but specialist lenders can consider longer/shorter histories).
• Turnover and profitability relative to the funding requested; loan sizes we typically arrange start at £10,000 and go up to several million.
• Director information and ID verification — lenders will assess affordability and business performance.

Start-up cases and seasonal businesses are considered by some partners — it depends on contracts, pipeline and director profiles.

Unsure? Request a Free Eligibility Check.

Funding scenarios for logistics businesses

Interested in support for a similar scenario? Get Quote Now.

What to expect after you enquire

After you submit our short enquiry form:

• We assess your needs and match you to suitable lenders/brokers.
• Matched partners typically contact you the same day to discuss options and next steps.
• If you progress, lenders will request supporting documents (management accounts, VAT returns, vehicle lists, invoice samples).
• Once approved, funding can be released in a matter of days for simpler facilities; asset finance may take longer depending on delivery schedules.

Your enquiry is not an application and does not leave a credit footprint. All information is handled securely and used only to match you to potential partners.

Why UK logistics companies choose Fast Business Loans

Benefits at a glance:

• Sector focus — we know transport and warehousing finance needs.
• Speed — quick matching reduces time to a decision.
• Time saving — one short form connects you to multiple relevant partners.
• Transparent — free, no obligation and designed to show options rather than push one product.

“We were matched with a broker who understood our fleet needs and arranged finance that let us replace older HGVs without disrupting cashflow.” — Logistics customer (anonymised)

Start your enquiry now: Start Your Free Logistics Finance Match.

Tips to strengthen your logistics loan application

Quick wins to speed approvals:

• Have up-to-date management accounts and recent bank statements ready.
• Produce a clear list of vehicles/equipment with values and ages.
• Prepare a simple cashflow forecast showing how funds will be used and repaid.
• Supply copies of key contracts or purchase orders that support future income.
• Be ready to explain seasonal revenue patterns or one-off spikes in costs.

Need help preparing documents? Our matched brokers will guide you — Get Started.

Frequently asked questions

Can I get logistics finance if my revenue is seasonal?

Yes — many lenders consider annualised turnover, contracts in place and management accounts. Invoice finance can be ideal for smoothing seasonal gaps.

What loan sizes are available for fleet upgrades?

Our network typically arranges funding from around £10,000 up to multi‑million facilities depending on vehicle type and security offered.

Will submitting an enquiry affect my credit score?

No. Completing our online enquiry does not affect your credit score. Lenders may perform credit checks later if you choose to progress with an offer.

How quickly can funds be released?

Simple working capital or invoice finance can provide funds within days. Asset finance timelines depend on vehicle delivery and documentation but are often delivered within 1–6 weeks.

Do you lend directly?

No. We introduce businesses to lenders and brokers — we do not provide loans or regulated financial advice.

Ready to explore your options?

If you run a transport, haulage, courier or warehousing business and need funding from £10,000 upwards, complete our short enquiry and we’ll match you with lenders and brokers who understand your sector. It’s free, quick and carries no obligation.

Get Started – Free Eligibility Check

Fast Business Loans is an introducer connecting UK businesses with lenders and brokers. We do not provide loans or regulated financial advice. Your information is shared only with selected partners who can help with your funding enquiry.

1) What types of logistics business finance can I get?
Working capital loans, asset and vehicle finance for HGVs/vans, invoice finance/factoring, refinancing, and funding for warehousing, telematics and ESG upgrades.

2) How fast can UK transport or haulage firms receive funding?
You’ll typically get matched and hear back the same day, with cash in days for working capital or invoice finance and around 1–6 weeks for asset finance depending on delivery and documents.

3) What loan amounts are available for fleet upgrades or cashflow?
Our partners usually fund from £10,000 up to several million, subject to affordability, security and business performance.

4) Will completing the Free Eligibility Check affect my credit score?
No, the enquiry leaves no credit footprint, and credit checks only occur if you choose to proceed with a lender.

5) Do you lend directly to logistics companies?
No, Fast Business Loans is an introducer that connects you with vetted UK lenders and specialist brokers, and does not provide loans or regulated financial advice.

6) Am I eligible if my revenue is seasonal or I’m a start-up?
Yes, many lenders consider seasonal firms and some consider start-ups based on contracts, pipeline, trading profile and director experience.

7) What documents will lenders usually ask for?
Expect requests for recent bank statements and management accounts, VAT returns, vehicle/equipment lists, invoice samples and director ID.

8) Can I finance HGVs, vans, refrigerated units or warehouse equipment?
Yes, asset finance (hire purchase, lease purchase or finance lease) can cover trucks, reefers, telematics, racking and automation.

9) Can I unlock cash tied up in retailer or supermarket invoices?
Yes, invoice finance or factoring can release cash from 30–90 day terms to smooth working capital.

10) Is the enquiry an application, and is there any cost or obligation?
It’s a free, no‑obligation enquiry used to match you with suitable lenders/brokers, and you choose if you want to proceed.