Logistics Business Loans & Finance – Fast Match to UK Lenders
Running a logistics or transport company means balancing tight margins, long payment terms and costly assets. Fast Business Loans helps UK logistics businesses find the most suitable lenders and brokers quickly — we don’t lend, we match you to trusted finance partners. Complete a short enquiry and get matched with providers who understand fleets, warehouses and freight contracts. Free Eligibility Check — it takes under 2 minutes and won’t affect your credit score.
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.
Quick Summary
In brief: Logistics businesses typically need finance for fleet purchases, working capital to bridge 30–120 day shipper terms, depot or warehouse expansion, and green upgrades. Fast Business Loans connects your company to lenders and brokers specialising in transport and logistics so you can compare suitable solutions quickly. Our service is free, no obligation and enquiries do not impact your credit file. Get Your Logistics Finance Quote.
- Funding types: asset & vehicle finance, invoice finance, unsecured loans, commercial mortgages, refinance
- Typical loan sizes we help arrange: from £10,000 upwards
- Speed: initial matches often within hours
Why Logistics Businesses Need Specialist Finance
High operating costs and tight margins
Fuel price volatility, vehicle maintenance, insurance and driver wages create ongoing cash pressure. Many logistics firms run on thin margins and can be vulnerable to delayed payments from shippers and large retailers.
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.
Growth, regulation and green transition
Investment is needed for depot expansion, refrigerated units, telematics and to meet low-emission zone rules. Funding can help you replace vehicles, install charging infrastructure or upgrade tracking and compliance systems.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Sector-aware lenders and brokers understand these specifics — that’s why matching with specialists improves the chance of a suitable offer. If you want a quick tailored match, start a Free Eligibility Check.
Finance Options for UK Logistics Firms
Below is a quick comparison of common products and typical uses.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
| Product | Typical use | Indicative details / security |
|---|---|---|
| Unsecured Business Loan | Working capital, bridging short-term gaps | From £10k upwards; usually based on turnover & credit profile; no asset security in many cases |
| Asset & Vehicle Finance | Purchase of HGVs, vans, trailers, refrigerated units | Loans, hire purchase or finance leases; typically secured against the vehicle |
| Invoice Finance / Factoring | Unlock cash from unpaid invoices to shippers or retailers | Facility sized to your debtor book; fees vary; can be confidential or disclosed |
| Commercial Mortgages / Warehouse Finance | Depot acquisition or expansion, fulfilment centres | Longer-term lending secured on property |
| Refinance & Consolidation | Simplify repayments, reduce monthly outgoings | Depends on existing terms; may improve cashflow |
Product notes
We avoid quoting specific interest rates here because rates and fees depend on lender, business size and credit history. Offers are subject to status and affordability checks.
Talk to Logistics Finance Specialists — submit a short enquiry and we’ll match you with lenders/brokers who specialise in your type of fleet or operation.
How Fast Business Loans Works for Transport & Logistics
- Complete a short enquiry (company details, loan type, loan amount, fleet size). It takes under 2 minutes.
- We match your request with a selection of lenders and brokers who specialise in logistics finance.
- A matched broker or lender will contact you to discuss options and documentation.
- Choose the best quote and progress to formal application with the chosen provider.
We act as an introducer, not a lender. Submitting an enquiry is free, no obligation and does not impact your credit score. Start Your Logistics Finance Enquiry.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Eligibility & Documentation Checklist
Typical eligibility factors
- Limited company trading for at least 6 months (many lenders prefer longer trading histories for larger facilities)
- Minimum facility sizes usually from £10,000 upwards
- Satisfactory director credit profile for some unsecured products
- Consistent turnover and evidence of contracts or regular customers for invoice facilities
Useful documents to have ready
- Latest management accounts (or last 12–24 months accounts where available)
- Vehicle list with ages, valuations and ownership/lease details
- Copy of major customer contracts or shipping agreements
- Bank statements and VAT returns (if applicable)
Unsure if you qualify? Get a Free Eligibility Check — we’ll match you to partners who can review your position confidentially.
Funding Use Cases Across the Logistics Lifecycle
Start-up & expansion
Funding to secure a first depot, take on fleet finance for initial vehicles, or recruit drivers to fulfil growing contracts.
Fuel, compliance & safety
Short-term working capital or targeted loans for fuel cards, telematics, driver training and equipment to meet compliance obligations.
Fleet modernisation & green upgrades
Asset finance to replace diesels with cleaner vehicles, install EV charging at depots or upgrade refrigerated units.
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.
Peak season & contract fulfilment
Invoice finance or short-term loans to cover labour, temporary hire and fuel during peak trading.
Benefits of Using Fast Business Loans for Logistics Finance
- Access to a specialist lender panel focused on transport and logistics
- Fast matching — you typically receive contact within hours
- Compare multiple options without multiple credit searches
- Transparent process: we introduce you to lenders and brokers; you decide whether to proceed
We’re paid by our partners for introductions, so our service is free to businesses. Match with logistics finance experts today: Get Quote Now.
Cost Considerations & Risk Management
Understanding total cost
When comparing offers consider interest, arrangement fees, maintenance or service packages, balloon payments and any early repayment penalties. Always ask for an APR equivalent if available to compare total cost.
Managing risk & cashflow
Stress-test repayments against slower revenue scenarios, keep adequate liquidity buffers and ensure vehicle valuations and residual values are realistic for asset finance deals.
All finance is subject to status and affordability checks. Request a No-Obligation Finance Comparison.
Case Snapshot: UK Haulier Leveraging Invoice Finance
A UK haulier with a 50-vehicle fleet and regular 60-day debtor terms could not fund growth. After a Fast Business Loans enquiry they were introduced to two specialist brokers; one arranged a confidential invoice finance facility that released 85% of invoice value. Outcome: improved cashflow, on-time driver pay and ability to bid for new contracts within 3 weeks.
Need similar support? Submit Your Enquiry.
Tips for a Successful Logistics Finance Application
- Keep vehicle logs, MOT and service histories up to date — lenders value maintenance records.
- Prepare a clear debtor book and customer contract evidence for invoice facilities.
- Know your asset valuations and any existing HP or finance agreements.
- If accounts are limited, use management accounts and forward contracts to demonstrate trading.
- Be transparent about any past CCJs or county court actions — brokers can guide on suitable lenders.
Want a quick review of your paperwork? Speak to a Logistics Finance Partner.
FAQs – Logistics Business Loans
Are you a lender or broker?
Fast Business Loans is an introducer. We connect you with lenders and brokers who will provide and administer finance.
What loan sizes are available for logistics firms?
We help match businesses to facilities from around £10,000 upwards, depending on product and partner criteria.
Can I finance electric HGVs or refrigerated trailers?
Yes. Many asset finance providers offer solutions for EVs, refrigerated units and specialist equipment. We’ll match you to partners with relevant experience.
Will an enquiry affect my credit score?
No — submitting an enquiry does not affect your credit score. Lenders may carry out credit checks only if you choose to proceed with an application.
How fast can funding be released?
Timescales vary: unsecured loans can be arranged in days, invoice finance and asset finance often within 1–3 weeks once checks are complete. Property finance can take longer.
What security might lenders request?
Security ranges from personal or commercial guarantees, charges against vehicles or property, to debenture security over the company depending on the product.
Still have questions? Book a Free Call.
Ready to Explore Your Logistics Finance Options?
If you need funding to purchase vehicles, expand a depot, modernise your fleet or ease cashflow, get matched quickly to lenders and brokers who understand logistics. Our short, free enquiry helps us find the best partners for your business — there’s no obligation and it won’t impact your credit score.
Start Your Logistics Finance Enquiry
Fast Business Loans is an introducer, not a lender. Finance is subject to status and affordability. Completing the enquiry does not commit you to borrow.
For a deeper guide to sector-specific lending and examples of typical lender criteria see our pillar resource on logistics business loans.
– What is Fast Business Loans and how does it help logistics firms? Fast Business Loans is a free UK introducer that quickly matches logistics and transport companies with specialist lenders and brokers for fleet, warehouse and cash flow finance.
– Is the enquiry a loan application and will it affect my credit score? No—our short enquiry is not a loan application and won’t affect your credit score; checks only occur if you choose to proceed with a matched provider.
– What types of logistics finance can I compare? You can compare asset and vehicle finance for HGVs and trailers, invoice finance for long shipper terms, unsecured business loans, commercial mortgages for depots, and refinance.
– How fast can I get matched and funded? Most enquiries are matched within hours, with unsecured loans sometimes funding in days and asset or invoice facilities typically completing in 1–3 weeks.
– What loan sizes are available for transport and logistics businesses? Facilities usually start from around £10,000, with maximum amounts dependent on the product, lender criteria and your business profile.
– Can I finance electric HGVs, refrigerated units, and green upgrades? Yes—our partners finance electric HGVs and vans, refrigerated units, telematics and EV charging to help meet low-emission and compliance requirements.
– What eligibility criteria do lenders consider? Typical criteria include at least 6 months’ trading, stable turnover, a satisfactory director credit profile, and evidence of contracts or a solid debtor book.
– What documents should I prepare to speed things up? Have recent management accounts, bank statements, VAT returns, a vehicle list with ages and values, and key customer contracts ready.
– What security might lenders require for logistics finance? Security may include personal or commercial guarantees, charges over vehicles or property, or a debenture, depending on the finance product.
– How are interest rates and fees calculated for logistics business loans? Total cost varies by provider, so compare interest, arrangement and service fees, balloons and early repayment charges, and request an APR equivalent where available.