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: Fast, Flexible Finance for UK Transport Operators
Summary: Fast Business Loans helps UK logistics and transport companies access the right finance quickly — from working capital and invoice finance to fleet upgrades, asset finance and warehouse funding. We’re an introducer (not a lender): complete a short, no-obligation enquiry and we’ll match your business with brokers and lenders who can provide quotes for loans of £10,000 and above. Completing the form won’t affect your credit score. Get Your Free Logistics Finance Quote.
Overview: Why logistics finance matters
Logistics businesses face volatile costs (fuel, tyres, maintenance), equipment renewal cycles and working capital gaps caused by long payment terms. Whether you need to upgrade a mixed fleet, expand warehousing capacity for seasonal demand, or smooth cash flow while onboarding a major contract, the right finance can keep operations moving and protect margins.
Fast Business Loans connects you with specialist lenders and brokers who understand transport and logistics. If you’re searching for logistics business loans or transport business funding, submit a short enquiry and we’ll match you to the most relevant providers. Free Eligibility Check.
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.
Typical cash‑flow pressures in logistics & transport
Fuel volatility
Fuel price spikes hit margins immediately. Many operators use short-term finance or invoice discounting to bridge gaps while adjusting pricing.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Fleet upgrades & maintenance
Replacing HGVs, refrigerated trailers or EV vans is capital-intensive. Asset finance and hire‑purchase spread costs and preserve cash.
Warehousing, compliance & seasonal peaks
Warehousing fit-outs, additional racking or temporary storage for seasonal contracts often require one-off capital or short-term bridging finance.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Quick stat: Transport operators commonly report cash‑flow strain when payment terms exceed 30 days. For industry guidance see the Department for Transport overview on freight and logistics: Department for Transport.
How Fast Business Loans supports logistics operators
We do not lend. We act as a fast matchmaker — telling lenders what your needs are so they can make tailored offers. Our simple, three‑step process saves you hours of searching:
- Complete a short enquiry form (takes about 2 minutes).
- We match your business to 1–3 suitable brokers or lenders from our panel.
- Receive direct quotes and choose the option that fits your cash‑flow and growth plans.
We only share your details with lenders or brokers who can help. There is no fee to you for submitting an enquiry and no obligation to proceed. Get Quote Now. Your details are shared only with relevant lenders/brokers and using them does not commit you to borrowing.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Finance options available for UK logistics firms
Below are common products used by hauliers, couriers, warehouse operators and logistics providers.
| Product | Typical uses | Key benefit |
|---|---|---|
| Working capital loans | Cover payroll, fuel or short-term gaps | Quick access to cash for 3–12 months |
| Invoice finance | Unlock cash from unpaid invoices | Improves liquidity without new security |
| Asset & fleet finance (HP, lease) | Buy or lease HGVs, vans, trailers, refrigerated units | Preserve cash while spreading costs |
| Equipment & warehouse fit‑out finance | Racking, conveyors, automation | Finances capital improvements |
| Bridging & commercial mortgages | Short-term purchase or property investment | Fast completion for time-sensitive deals |
| Refinance & consolidation | Reduce monthly repayments or combine facilities | Potentially improves cash flow management |
Each product suits different situations. If you’re unsure, choose Free Eligibility Check so we can match you quickly.
Learn more about specialised routes like invoice finance and vehicle finance via our related pages.
Eligibility snapshot & what lenders look for
While criteria vary, typical lender considerations include:
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.
- Time trading — many lenders prefer 6–12+ months trading, although some specialist funders accept well-documented younger companies.
- Turnover and profitability — higher turnover improves options for working capital and invoice finance.
- Contract evidence — long-term haulage or logistics contracts increase lender confidence.
- Vehicle and asset values — used for asset-secured facilities.
- Director backgrounds — sector experience can be important where trading history is limited.
- Credit history — initial eligibility checks are soft; full credit checks are only done by lenders/brokers with your consent.
Note: we organise loans from £10,000 upwards. For a quick assessment, Start Your Logistics Loan Enquiry.
Rates, terms and costs: what to expect
Rates depend on product type, security, credit profile and term. Typical features:
- Short-term working capital: often from a few months to 18 months.
- Fleet and asset finance: commonly 2–5+ years depending on asset life.
- Invoice finance: facility fees plus a percentage of advanced funds; pricing varies by client risk and debtor profile.
We won’t promise lowest rates — lenders set pricing and it varies by case. Use our free enquiry to receive tailored quotes so you can compare actual offers. Get Quote Now.
Documentation checklist for a smooth application
Having these ready speeds up responses from brokers and lenders:
- Latest Management Accounts (year‑to‑date)
- Last 2–3 years’ company accounts (if available)
- VAT returns and bank statements (typically 3–6 months)
- Fleet schedule: make, model, year, mileage, and estimated value
- Copies of major contracts or purchase orders
- Operator’s licence and relevant insurance certificates
- Director ID and proof of address (passports/driving licences)
Tip: digital copies (PDFs or scans) enable faster underwriting and quicker funding decisions.
Real‑world scenarios: funding matched to need
Case 1 — Fleet upgrade for chilled haulier
Challenge: a regional haulier won a refrigerated contract needing three new trailers within 8 weeks.
Solution: matched to an asset finance broker offering hire‑purchase with staged delivery financing.
Outcome: trailers delivered on schedule; monthly repayments aligned to contract cash flow.
Case 2 — Warehouse expansion for e‑commerce fulfilment
Challenge: peak season stock required extra racking and forklifts before sales revenue arrived.
Solution: short-term commercial equipment loan and invoice finance to unlock debtor cash.
Outcome: capacity increased and cash flow smoothed across the season.
Case 3 — Cash‑flow smoothing for courier operator
Challenge: slow customer payments causing driver wage pressure.
Solution: invoice discounting facility matched via Fast Business Loans network.
Outcome: immediate access to working capital, enabling stable operations while invoices settled.
Your logistics finance journey
- Complete the short enquiry: amount needed, purpose, and contact details (Get Started Free Eligibility Check).
- We match you to lenders/brokers who specialise in transport and logistics.
- You’ll be contacted directly by matched providers to discuss terms and documentation.
- Compare quotes, agree terms and lenders proceed with formal checks if you choose to continue.
FAQs: logistics business loans
Will completing an enquiry affect my company credit rating?
No. Our initial matching and eligibility checks are soft and do not impact your business credit file. Credit searches may only be performed by lenders/brokers with your permission if you proceed.
What minimum loan size do you arrange?
We organise loans and finance facilities starting from £10,000 upwards.
How quickly will I hear from a lender or broker?
Many matched brokers contact businesses within hours during working days. Exact turnaround depends on product and documentation supplied.
Can I finance a mixed fleet including EV vans and refrigerated trailers?
Yes. Our panel includes specialists covering standard HGVs, vans, refrigerated units and electric vehicles — tell us your fleet mix in the enquiry.
Is there a fee to use Fast Business Loans?
No. Our service is free for businesses. We earn a fee only from partners if you proceed via one of the matched lenders/brokers; you pay nothing to use our matching service.
Resources & next steps
Want to compare other finance routes? See related pages: Invoice Finance, Vehicle Finance, Small Business Loans and our sustainability finance options. For sector reading and policy updates, check the Department for Transport.
Get Your Logistics Loan Options — complete the short form and we’ll match you with lenders and brokers who can help.
Disclaimer
Fast Business Loans is an introducer — we do not lend or give regulated financial advice. All finance decisions, offers and terms are made by lenders and brokers. Any funding is subject to eligibility, status and the lender’s terms. We will share your details with selected lenders and brokers to obtain quotes; there is no obligation to proceed. Completing our enquiry is free and does not affect your credit score unless you agree to a lender’s credit check.
– Will submitting a logistics finance enquiry affect my credit score?
No — our enquiry is a soft eligibility match that won’t impact your credit score, and full checks happen only with your consent if you proceed with a lender.
– How much can I borrow for logistics or fleet finance?
We arrange logistics business loans and facilities from £10,000 upwards, matched to your needs and eligibility.
– How quickly can I get quotes and funding?
You’ll typically hear from matched brokers or lenders within hours on business days, with funding speed dependent on the product and how fast documents are supplied.
– What finance options are available for hauliers, couriers and warehouse operators?
Options include working capital loans, invoice finance, asset and fleet finance (HP/lease), equipment and warehouse fit-out finance, bridging, and refinance/consolidation.
– Do you fund mixed fleets including electric vans and refrigerated trailers?
Yes — our panel includes specialists in HGVs, vans, EVs and refrigerated units; just detail your fleet in the enquiry.
– What are the eligibility criteria for UK logistics business loans?
Lenders typically consider time trading (often 6–12+ months), turnover and profitability, contract evidence, asset values, director experience, and credit history.
– Can start-ups or younger logistics firms get finance?
Yes — some specialist funders will consider younger companies with strong documentation, sector experience and clear contracts or purchase orders.
– What documents do I need to provide for a logistics loan?
Commonly requested items include recent management accounts, filed accounts, VAT returns, 3–6 months’ bank statements, a fleet schedule, key contracts, O-licence/insurance, and director ID.
– What rates and terms can I expect for transport and logistics finance?
Pricing varies by product, security and credit profile, with working capital typically 3–18 months, asset finance 2–5+ years, and invoice finance charged via facility fees plus a margin on advances.
– Is Fast Business Loans a lender and do I pay any fees to use the service?
We’re an introducer (not a lender) and our matching service is free to use, with any partner commissions paid by lenders/brokers if you choose to proceed.