Logistics Business Loans Made Simple

Summary: If your UK logistics or transport business needs fast, sector-specific funding — from working capital and invoice finance to fleet and warehouse finance — Fast Business Loans can quickly match you with lenders and brokers who specialise in logistics. Complete a short enquiry (this is not an application) and receive tailored matches and quotes. Get Started — Free Eligibility Check: Free Eligibility Check. We are an introducer, not a lender. Submitting does not affect your credit score.

Why logistics companies need tailored funding

Logistics & transport businesses face unique cost pressures: vehicle depreciation, rising fuel costs, seasonal demand swings, depot and storage investment, telematics upgrades, and compliance-related capital requirements. Funding needs are rarely generic — they are driven by fleet size, contract payment profiles and property requirements.

• Short-term cashflow gaps from 30–120 day customer payment terms
• High-cost capital items like HGVs, trailers, forklifts and racking systems
• Premises expansion or leasehold improvements for warehousing
• Transitioning to electric vehicles (EVs) and sustainability projects

Because the risks and assets differ across transport operators, specialist lenders and brokers often provide better-fit products and faster decisions than generalist high-street options.

Fast Business Loans: Your UK logistics finance connector

Fast Business Loans does not lend. We act as a time-saving introducer, matching your business to lenders and brokers that understand transport, haulage and warehouse finance. Our service is free and non-binding — an initial enquiry is only information used to identify suitable partners.

• Sector-matched introductions — more relevant offers and higher chance of success
• Save time: one short enquiry, multiple specialist partners
• Compare offers quickly and choose what suits your business

Ready to compare tailored logistics finance options? Get Quote Now — no obligation, won’t impact your credit score. We only share your details with relevant lenders and brokers who can help.

How our matching service works for logistics firms

1. Complete a short enquiry — tell us your business details, funding need and contact info (takes under 2 minutes). This is not an application.
2. We match — your request is routed to selected lenders/brokers with logistics experience.
3. Receive responses — partners contact you with questions, indicative terms or requests for documents.
4. Compare & decide — review the options and progress the one that fits best.

Quick link to start: Get Started – Free Eligibility Check. We are an introducer, not a lender. Submitting does not affect your credit score.

Finance options for logistics businesses

Here’s a clear breakdown of commonly used facilities for transport and logistics businesses.

Working capital loans for cashflow

Short-term working capital supports payroll, fuel spikes or seasonal peaks. Typical uses include bridging contract invoices, bulk fuel purchases or temporary driver recruitment costs. Amounts vary but many partners offer facilities from around £10,000 upward with terms from 3 months to 3 years.

Vehicle & fleet finance (HGVs, vans, EVs)

Fleet finance can be structured as hire purchase, finance lease, operating lease or loan-to-own. Products cover new and used vehicles, and some lenders provide EV transition packages including infrastructure finance for chargers and telematics integration.

Asset & equipment finance

Forklifts, racking, pallet conveyors and warehouse automation can be financed via asset finance, preserving working capital while spreading costs over the equipment life. Typical term lengths match expected useful life of the asset.

Invoice finance for longer payment terms

Invoice factoring or discounting unlocks cash tied up in unpaid invoices — useful for logistics firms working on long contracts or with large clients who pay on extended terms. Speeds up cash collection and improves liquidity.

Commercial mortgages & warehouse expansion funding

For purchasing or refinancing depots and warehouses, commercial mortgages and development finance are available. Lenders consider LTV, business cashflows and the property’s earning potential; deposit and security requirements vary.

Want to see which options match your requirements? Compare Logistics Finance Options — Free Eligibility Check.

Eligibility snapshot: what lenders look for

• Minimum borrowing: many partners arrange loans from £10,000 upwards
• Trading history: lenders prefer 6–12+ months trading; some specialist lenders support newer businesses depending on contracts
• Turnover & profitability: demonstrated revenue and margin visibility
• Fleet & asset details: age, mileage, maintenance history
• Contracts & clients: long-term logistics contracts or repeat business improve eligibility
• Insurances & licences: up-to-date HGV/operating licences and insurance reduce friction

Initial matches are based on a soft assessment — making an enquiry will not affect your credit file.

Costs & repayments: setting expectations

Rates and fees vary by product, credit profile and security. Below are indicative examples for illustration only.

• Working capital loans: representative APRs can range widely (for illustration) from mid-teens to low-30s depending on risk and term.
• Asset-secured vehicle finance: lower cost than unsecured lending; rates often depend on asset life and deposit provided.
• Invoice finance: fees typically charged as a percentage of invoice value plus a service fee; effective costs vary by advance rate and client risk.

Fees to watch for include arrangement fees, broker fees, early repayment charges and documentation/legal costs on property deals. Always request clear examples and repayment schedules when comparing offers.

To get indicative, personalised terms: Request My Logistics Finance Matches — no obligation.

Applying via Fast Business Loans vs going direct

Why use an introducer?

• One enquiry, many matches: save time and avoid repeating the same background information.
• Sector expertise: our partners understand haulage, distribution and warehouse needs.
• Better fit: we aim to match you to lenders who are likely to consider your specific risk profile and assets.
• Privacy & control: you only progress offers you want to explore further.

Going direct can work if you already have a specialist relationship, but for speed, breadth and comparison, an introducer is often more efficient.

Success stories & use cases

How to prepare for your logistics finance enquiry

Gather these items to speed up responses:

• Latest management accounts or recent bank statements
• Details of vehicles and major assets (make, year, value)
• Customer contracts or major purchase orders
• Business plan or use-of-funds summary
• Insurance and operating licences

Having documents ready helps lenders provide faster, more accurate quotes.

Logistics finance FAQs

Is Fast Business Loans a lender?

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

Will an enquiry affect my credit score?

No. An initial enquiry is a soft match and will not affect your company credit file. Lenders may carry out checks if you progress with an offer.

What loan sizes can I access?

Our partners typically arrange funding from around £10,000 upwards, depending on product and lender criteria.

Do you offer EV fleet finance?

Yes. Several partners provide finance for electric vans and HGVs, often including infrastructure funding for chargers.

How quickly can I receive funds?

Timescales vary: invoice finance can be within days; asset finance and working capital usually days to weeks; commercial mortgages can take longer.

Are the lenders experienced in logistics?

We match you with partners who have specific experience in transport, haulage and warehousing where possible.

Next steps: get your tailored logistics finance quote

If you need finance to manage cashflow, upgrade fleet or expand premises, start with a single short enquiry and we’ll match you to lenders and brokers who understand logistics.

Get Started — Free Eligibility Check (it takes less than 2 minutes). No obligation. We are an introducer, not a lender. Submitting does not affect your credit score. Your details are only shared with relevant partners who can help your business.

Fast Business Loans — Connecting UK logistics businesses with specialist lenders and brokers for working capital, fleet, asset and property funding. We organise loans and finance from £10,000 and above. We are an introducer, not a lender. Loans are subject to status and lender criteria. Your asset may be at risk if borrowing is secured against it.

logistics business loans

1) What is Fast Business Loans and are you a lender?
Answer: Fast Business Loans is an introducer that matches UK logistics and transport businesses with specialist lenders and brokers via a quick, no-obligation enquiry, and we are not a lender.

2) Will submitting an enquiry affect my company credit score?
Answer: No, the initial enquiry is not an application and won’t affect your credit score, with credit checks only occurring if you choose to proceed with an offer.

3) What types of logistics business finance can you connect me to?
Answer: We connect firms to working capital loans, vehicle and fleet finance, asset and equipment finance, invoice finance, and commercial mortgages for depots and warehouses.

4) How much can a UK logistics company borrow?
Answer: Our partners typically arrange facilities from around £10,000 upward, depending on product, security, and eligibility.

5) How fast can I get a decision and funding?
Answer: You’ll usually hear back within hours, with invoice and asset finance often funding in days and property-backed facilities taking longer.

6) What security or personal guarantees are required?
Answer: Asset-backed facilities are usually secured on the vehicle or equipment, while unsecured working capital may require a personal or business guarantee.

7) What are the key eligibility criteria for logistics finance?
Answer: Lenders commonly look for 6–12+ months trading, turnover and margins, fleet and asset details, key contracts, and up-to-date licences and insurances.

8) What documents do I need to prepare?
Answer: Recent management accounts or bank statements, asset and fleet lists, major contracts or purchase orders, licences, insurances, and a brief use-of-funds summary help speed decisions.

9) Can I get funding if I’m a start-up or have been declined elsewhere?
Answer: Yes, some specialist lenders consider newer businesses or previously declined applicants, especially where contracts or strong assets are in place.

10) What costs and fees should I expect with logistics business loans?
Answer: Pricing varies by product and risk, with potential arrangement or broker fees, service fees for invoice finance, and possible early repayment or legal costs on property deals.