Logistics Business Loans for UK Transport Companies

Summary: Logistics and transport firms face tight margins, seasonal demand and rising vehicle, fuel and warehousing costs. Fast Business Loans doesn’t lend — we match UK logistics businesses with lenders and brokers who specialise in fleet finance, asset funding, invoice and working capital solutions. Complete a short enquiry for a free eligibility check and we’ll connect you to the right finance partners quickly. Start your Free Eligibility Check.

Why logistics businesses need specialised finance support

Operating in haulage, freight forwarding, warehousing or last-mile delivery brings unique cashflow pressures: long customer payment terms, fluctuating fuel costs, driver shortages, and the capital cost of vehicles and racking. Generic lenders often don’t appreciate seasonal peaks, PSV/ADR requirements, or the specific values of transport assets. That’s why matching with lenders and brokers who understand logistics matters—both to speed approval and to secure terms that fit your operational cycle.

If you’re expanding a fleet, bidding for a large contract, or upgrading warehousing for chilled goods, getting the right product quickly can be the difference between winning work and missing out. Get Quote Now.

Fast Business Loans: connecting you to trusted logistics finance partners

Fast Business Loans is an introducer. We don’t lend or provide regulated financial advice. Instead, we take your enquiry and match it with lenders and brokers experienced in transport and logistics finance — saving you time and improving the likelihood of a suitable offer.

• Fast: complete a short enquiry (under 2 minutes) and receive matches rapidly.
• Targeted: we match you to partners who specialise in haulage, fleet and warehousing finance.
• Free: there’s no charge to you for the introduction and no obligation to proceed.

Ready to see options? Start Your Free Eligibility Check.

Types of logistics finance we can help you access

Depending on your needs, our partners can provide a range of products tailored to logistics businesses. Typical amounts begin from £10,000 and upward.

Vehicle & fleet finance

• Hire purchase, leasing, and fleet loans for vans, rigid trucks and artics.
• Used and new vehicle funding with flexible terms to match depreciation and cashflow.
• Typical uses: replacing ageing trucks, acquiring last-mile vans, or financing articulated trailers.

Free Eligibility Check

Asset & equipment funding

• Funding for forklifts, racking, cold-room equipment, or warehouse automation.
• Asset-backed loans and equipment hire agreements to preserve working capital.

Check your eligibility in 2 minutes

Working capital & cashflow loans

• Short-term cash injections to cover payroll, fuel spikes or tender bonds.
• Revolving facilities or term loans to smooth seasonal demand.

Get Quote Now

Invoice finance & fuel card solutions

• Invoice factoring and discounting to unlock cash from unpaid invoices.
• Fuel card facilities and tailormade merchant services reduce day-to-day costs.

Start Your Free Eligibility Check

Typical funding scenarios for transport and logistics

Here are common situations where businesses we help secure finance quickly:

1. Expanding fleet capacity

• Need: Buy 3 new rigid trucks to fulfil a growing regional contract.
• Approach: Asset finance or hire purchase, with deposits adjusted to monthly cashflow.
• Outcome: Preserve working capital while adding operational capacity.

2. Bridging late-paying customers

• Need: Invoices unpaid for 30–90 days impacting driver pay and fuel.
• Approach: Invoice factoring to access the majority of invoice value immediately.
• Outcome: Immediate liquidity without additional security in some cases.

3. Warehousing & cold-chain upgrade

• Need: Install new racking and a cold store to take on perishable contracts.
• Approach: Equipment finance plus a short-term working capital loan for fit-out costs.
• Outcome: Faster onboarding to new contracts and improved margins.

Want to discuss a scenario like these? Get matched with lenders who understand logistics.

What to expect when you submit an enquiry

Submitting an enquiry is quick and does not equal applying for credit. Here’s the usual process:

1. Complete the short enquiry form with basic business details and funding needs (takes under 2 minutes).
2. We review and match you to one or more lenders/brokers who specialise in your sector.
3. A matched partner will contact you to confirm details and request any supporting documents.
4. If you choose to proceed, the lender/broker will take you through formal application, credit checks and terms.

Timings vary — matches often arrive within business hours the same day; funding speed depends on lender requirements and document turnaround. Begin Your Free Eligibility Check.

Eligibility snapshot

While each lender has its own criteria, here are typical expectations for logistics finance:

• Minimum loan sizes typically from around £10,000.
• Most providers prefer limited companies or incorporated SMEs (we do not handle sole trader applications).
• Typical trading history: 6–12 months for some asset finance; 12+ months preferred for long-term lending.
• Turnover: many lenders look for consistent turnover relative to the loan size; bespoke options exist for growing firms.
• Credit history: imperfect credit does not automatically disqualify you — different lenders have different risk appetites.
• Documents commonly requested: recent bank statements, management accounts, proof of ownership/valuation for assets, quotations or contracts.

Unsure if you qualify? Share your details for a quick eligibility check.

How to strengthen your logistics loan application

Small improvements to how you present your business can speed decisions and improve offers:

• Provide clear cashflow forecasts showing contract pipeline and seasonal peaks.
• Supply maintenance logs and valuations for vehicles—well-maintained assets secure better terms.
• Show signed contracts or tender awards to evidence future income.
• Consolidate accounts and ensure bank statements clearly show trading activity.
• If seeking green upgrades (EV chargers, energy-efficient refrigeration), say so — some lenders offer preferential terms for sustainability investments.

When you’re ready, upload your details securely — Get Started.

What other transport operators say

“We needed three new rigids to win a regional contract. Fast Business Loans matched us with a broker who understood haulage finance — funding arrived within weeks.” — Haulage operator, Midlands

“Invoice factoring bridged our cashflow gap during a busy season. The match was quick and the partner knowledgeable about logistics billing cycles.” — National courier service

Compliance & transparency

Fast Business Loans is an introducer, not a lender. We do not provide regulated financial advice. Completing an enquiry is not a loan application — it allows us to connect you with lenders or brokers who may then contact you to discuss options. Submitting an enquiry does not affect your credit score. Lenders may conduct credit checks if you proceed with a formal application; any fees or commissions will be disclosed by the lender or broker before you agree to proceed.

For further sector reading and deeper guidance on logistics funding, see our pillar resource on logistics business loans.

Frequently asked questions

How fast can I get finance?

After your enquiry, we typically match you with suitable partners within a few hours during business times. The speed of funding depends on the lender, complexity of the deal and how quickly documents are supplied — some asset finance deals complete in days, while larger property or refinancing solutions can take longer.

What’s the minimum loan amount?

Our partners typically arrange loans and finance from around £10,000 upwards. We can also connect you with brokers who arrange larger facilities when needed.

Can I apply with poor credit?

Poor or imperfect credit doesn’t always rule you out. We work with a panel that includes lenders and brokers experienced in higher-risk cases; however terms will vary and full disclosure on your enquiry helps us match you appropriately.

Will this affect my credit score?

No — completing our short enquiry form does not impact your credit score. If you pick a lender to progress with, they may run checks as part of their formal process.

Ready to move your logistics business forward?

If you need fleet upgrades, working capital, invoice or asset funding, we’ll match you quickly to lenders and brokers who understand the transport sector. It takes less than 2 minutes to submit a short enquiry and receive a free eligibility check — no obligation.

Get Quote Now — Free Eligibility Check

1) Are you a lender or broker for logistics business loans?
Answer: Fast Business Loans is an introducer, not a lender, and we connect UK logistics firms with specialist brokers and lenders who provide the finance.

2) How quickly can a transport company get funding for vehicles or equipment?
Answer: We typically match you with sector‑specialist partners within hours, and straightforward fleet or asset finance can complete in days depending on documents and the lender.

3) What types of finance are available for haulage, courier and warehousing businesses?
Answer: We introduce fleet vehicle finance (hire purchase and leasing), asset and equipment funding, working capital loans, invoice finance and fuel card solutions tailored to logistics.

4) What is the minimum loan amount for logistics finance?
Answer: Most partners fund from around £10,000, with larger facilities available for qualifying operators.

5) Will submitting the enquiry affect my credit score?
Answer: No—our enquiry is not a credit application and won’t impact your credit score; checks only occur if you proceed with a lender.

6) Who is eligible to enquire for logistics business finance?
Answer: We primarily match incorporated UK businesses (limited companies/SMEs), with many lenders preferring 6–12 months’ trading, and we don’t handle sole trader applications.

7) Can I still be matched if my business has poor or imperfect credit?
Answer: Yes, some panel lenders consider higher‑risk cases, though terms vary and full disclosure helps us match you appropriately.

8) What documents should I prepare to speed up approval?
Answer: Recent bank statements, management accounts, vehicle or asset details and valuations, plus contracts, quotes or invoices are commonly requested.

9) Can you help bridge cash flow gaps from late‑paying customers or fuel cost spikes?
Answer: Yes—invoice factoring/discounting and fuel card or revolving facilities can unlock cash and help manage day‑to‑day fuel spend.

10) What rates or costs should I expect, and is there a fee to use your service?
Answer: Rates depend on the lender, product, asset and your credit profile, while our introduction service is free and there’s no obligation to proceed.