Logistics Business Loans: Flexible Funding for UK Transport & Supply Chain Firms

Summary: Fast Business Loans helps UK logistics and transport businesses find suitable finance — from fleet and asset finance to warehouse expansion, invoice finance and working capital. We don’t lend; we match your business with specialist lenders and brokers. Complete a short, no-obligation enquiry and receive a free eligibility check to be matched with the best providers. Start your Free Eligibility Check.

Get Started — Free Eligibility Check

Table of contents

• Why UK logistics businesses need tailored finance
• How Fast Business Loans helps
• Types of logistics finance
  • Working capital & cash flow loans
  • Fleet & vehicle finance
  • Warehouse & infrastructure funding
  • Asset & equipment finance
  • Invoice finance
• Who we help
• How our matching process works
• Eligibility snapshot
• Costs, rates & repayment considerations
• Case snapshots
• Frequently asked questions
• Compliance, transparency & disclaimer
• Get started

Why UK logistics businesses need tailored finance

Logistics firms operate in a capital-intensive, timing-sensitive industry: fleets must run reliably, warehouses must scale to seasonal demand, and contracts often require working capital before invoices are paid. Rising fuel costs, Clean Air Zone compliance, electrification of fleets and investment in automation all add pressure to cashflow and balance sheets.

Generic business loan products can miss the nuances of logistics: lenders that understand mileage-based revenue cycles, asset depreciation for HGVs, or the value of long-term carrier contracts will offer more appropriate terms. That’s why specialist finance — matched to your exact use and sector profile — matters.

Fast Business Loans — your introducer to specialist logistics funding

Fast Business Loans is a matchmaking service. We don’t provide funds; we connect your limited company with lenders and brokers who specialise in transport and supply-chain finance. Our service is free and without obligation — the enquiry you complete is used to find lenders most likely to offer competitive terms for your circumstances.

• Save time: one short enquiry connects you to multiple relevant providers.
• Increase chances of approval: we match you to partners who understand logistics cycles and assets.
• Compare options quickly: receive offers and speak direct to brokers or lenders.
• No obligation: you decide whether to proceed with any quote.

Match me with logistics finance providers

What type of logistics finance do you need?

Different needs require different products. Below are common options and when they’re used.

Working capital & cash flow loans

Use cases: bridge gaps between collection and payment, cover seasonal demand spikes, pay drivers and fuel ahead of invoice settlement. Typical products include short-term term loans, overdrafts and revolving facilities. Amounts commonly start at £10,000 and scale with turnover and contract security. Fast decisions are possible where contracts or recurring revenues support the request.

Request a cash flow lending callback

Fleet & vehicle finance

Use cases: buy new vans, replace HGVs, refinance existing vehicle loans, or move to leased/spec green fleets including EV conversions. Options include hire purchase, finance lease, operating lease, and asset refinancing. Lenders consider vehicle age, mileage, service history and whether vehicles are used as security. Note: plans for Clean Air Zone compliance or EV transition can be part of the funding case.

Get fleet finance options

Warehouse & infrastructure funding

Use cases: acquire or refit premises, fit racking and automation, or add office/warehouse space. Products include commercial mortgages, development loans, and asset-backed facilities. Lenders will want details on location, lease terms, projected rental income (if any) and capital costs.

Asset & equipment finance

Use cases: telematics, cold-chain units, forklifts, trailers and material handling equipment. Asset finance preserves working capital by spreading the cost while preserving balance sheet capacity. Ask your accountant about tax implications such as capital allowances.

Invoice finance for transport contracts

Use cases: release cash tied up in unpaid invoices so you can service drivers, buy fuel, and accept larger contracts. Choose factoring (broker handles sales ledger and collections) or invoice discounting (you retain control). Invoice finance is particularly useful when onboarding large retail or national contracts that pay on extended terms.

Explore invoice finance matches

Who we help across logistics & transport

We work with incorporated logistics businesses that need funding from roughly £10,000 upwards. Typical clients include:

• Haulage and road freight SMEs
• Last-mile couriers and delivery operators
• Freight forwarders and 3PLs
• Cold-chain and refrigerated transport specialists
• Warehouse operators and fulfilment centres
• Supporting services: vehicle maintenance depots, pallet networks, and cargo handling firms

For example: a mid-sized haulage firm wanted to add 10 refrigerated trailers to fulfil a supermarket contract. After a short enquiry they were introduced to lenders offering asset finance and a short-term working capital line to cover initial deposits — enabling a successful bid.

Learn more about sector-specific logistics funding on our logistics resources page: Logistics business loans.

How our free logistics loan matching process works

Here’s the simple 4-step process:

1. Quick enquiry (2 mins) — tell us business name, contact, funding amount and purpose. This is not a loan application.
2. We match — we identify brokers or lenders in our network best placed to help your sector and need.
3. Rapid response — matched providers typically contact you within hours (timing varies by working hours and information complete-ness).
4. Compare offers — review terms and proceed directly with the lender/broker you choose. No obligation to proceed.

Start my logistics loan enquiry

Eligibility snapshot — improve your chances of approval

• Trading history: lenders prefer established track records; many accept younger companies with strong contracts.
• Turnover: product suitability often depends on annual turnover bands and contract visibility.
• Credit profile: flexibility varies by lender; be honest about CCJs or late payments — some specialist lenders consider these with compensating factors.
• Collateral: vehicles, property or receivables can improve terms and increase funding size.
• Contract pipeline: long-term contracts and repeat customers strengthen your case for larger facilities.

Submitting an enquiry does not affect your credit score — lenders may perform checks only if you choose to proceed.

Costs, rates & repayment considerations

Rates and fees depend on product, security and your business profile. Secured asset finance or commercial mortgages typically offer lower rates than unsecured short-term loans. Expect lenders to consider:

• Loan amount and term
• Security — assets or property used as collateral
• Credit history and financial statements
• Industry risk and contract stability

Common additional costs include arrangement fees, valuation fees for assets, and possible early repayment charges. All figures are illustrative and subject to lender assessment — matched brokers will disclose full costs before you commit.

Speak to a specialist about rates

Case snapshot — how logistics firms use our network

Case 1: A regional haulage business needed £250,000 to replace an ageing fleet and invest in telematics. After matching with an asset finance broker they received a hire purchase quote with competitive deposit and a four-week delivery timetable.

Case 2: A 3PL won a supermarket account but needed cashflow to buy packaging and pay staff while awaiting first payments. We introduced them to invoice finance providers; they released 85% of invoice value within 48 hours and scaled operations to fulfil the contract.

See your funding options

Frequently asked questions about logistics business finance

Are you a direct lender?

No. We introduce your business to lenders and brokers. Completing our enquiry helps match you with providers most likely to offer relevant terms. Any formal application and credit checks are handled by the lender or broker you choose.

How quickly can funding be delivered?

Indicative offers can arrive within hours when all information is provided. Actual funding depends on product: unsecured cash loans can be processed in days; asset finance and mortgages usually take longer due to valuations and legal checks.

What information do I need to provide?

Basic business details, funding amount and purpose, turnover and trading history. For asset or invoice finance, details of vehicles, equipment, or typical invoice values help speed matching.

Submit your logistics finance enquiry

Compliance, transparency & disclaimer

We aim for clear, fair and non-misleading information. Fast Business Loans is an introducer: we do not provide lending or regulated financial advice. We handle your data securely and only share it with providers who can help with your request. Eligibility and any funding decision remain subject to lender assessment and terms. Information correct as of October 2024; subject to change.

Mini-disclaimer: Fast Business Loans is a trading style of Fast Business Loans Ltd. We are not a lender and do not provide regulated financial advice. Completing an enquiry is a request for introductions and is not a loan application.

Get started — fast access to logistics finance

If you’re ready to explore logistics finance options — fleet replacement, warehouse investment, invoice finance or working capital — complete our short enquiry and we’ll match you to the right lenders and brokers. It takes moments and does not affect your credit score.

Start your Free Eligibility Check

Information correct as of October 2024. This page is for information only and does not constitute financial advice.

– Are you a direct lender for logistics business loans? No—Fast Business Loans is an introducer that matches UK logistics firms with specialist lenders and brokers; your enquiry is not a loan application.
– Is your service free and without obligation? Yes—submitting a Free Eligibility Check is free, and you’re under no obligation to proceed with any quote.
– What types of transport finance can you help with? We match you with providers for fleet finance (HP, lease, refinance), working capital loans, warehouse funding, asset/equipment finance, and invoice finance.
– How much can UK logistics businesses borrow? Funding typically starts from around £10,000 and can scale based on lender criteria, security, turnover and contract strength.
– How quickly can I get funding? You can receive indicative options within hours, with unsecured working capital often funded in days and asset or property-backed facilities taking longer due to valuations and legals.
– Will submitting an enquiry affect my credit score? No—the enquiry is a soft, non-application step; any credit checks happen later with your consent.
– Do you support start-ups or companies with limited trading history? Many partners can consider younger firms where strong contracts or collateral support the case.
– Can you help with EV and Clean Air Zone compliant fleet finance? Yes—partners offer fleet and asset finance for EVs, green upgrades and CAZ-compliant vehicles, including leases and HP.
– Can I get logistics finance with adverse credit or after being declined elsewhere? Some specialist lenders will consider CCJs or weaker credit if there are compensating factors like assets, contracts or deposits.
– What rates, fees and security should I expect? Rates vary by product and risk (asset-backed often cheaper), and lenders may charge arrangement, valuation or early repayment fees, with vehicles, property or receivables used as collateral.