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.
Vehicle Finance for UK Businesses: Compare the Best Options Fast
Summary: Fast Business Loans helps UK companies find vehicle finance for vans, HGVs, cars and fleets from £10,000 upwards by matching your enquiry with specialist lenders and brokers. Our quick, no-obligation enquiry is not a credit application and won’t affect your business credit score — it simply allows us to connect you with providers who can offer tailored quotes fast. Get a Free Eligibility Check in under 2 minutes: Get Quote Now.
Intro: What we do (and don’t do)
Finding the right commercial vehicle funding can be time-consuming: dozens of lenders, differing contract terms, and mixed eligibility rules make comparisons hard. Fast Business Loans is a specialist introducer that saves you time by matching your business with lenders and brokers who specialise in vehicle finance. We do not lend money or give regulated financial advice — we put you in touch with providers that can.
Our enquiry form is a short information form only — it is not a loan application. Complete it and we will use those details to match you with brokers/lenders who can offer the most suitable options for your circumstances. Typical deals we help arrange start from around £10,000 and can scale to much larger sums for fleets and commercial projects.
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.
Get a Free Eligibility Check — takes less than 2 minutes, no obligation and no hard credit check at the enquiry stage.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Why vehicle finance matters for UK businesses
Vehicles are often essential business assets — whether you run a single service van, a mixed fleet of delivery vehicles, or heavy goods vehicles for construction. Choosing the right funding route affects cashflow, balance sheet treatment and total cost of ownership.
Common reasons businesses need vehicle finance:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Fleet expansion to meet new contracts or seasonal demand
- Replacing ageing vehicles to improve reliability and safety
- Adopting electric vehicles (EVs) or low-emission fleets
- Financing specialist or adapted vehicles for trade-specific needs
Industries we commonly help include logistics & transport, construction & groundworks, retail & distribution, hospitality, healthcare services and manufacturing.
Vehicle finance solutions we can introduce
Our broker and lender panel covers a wide range of commercial vehicle funding structures. Below is an overview to help you understand the differences — the right solution depends on your ownership goals, tax position and cashflow needs.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Hire Purchase & Conditional Sale
Hire Purchase (HP) and Conditional Sale let you pay in fixed instalments with the option to own the vehicle at the end of the term (after final payment). Suitable where you want eventual ownership and predictable monthly costs. Typical deposit options are available and terms commonly range from 2 to 5 years.
Finance Lease
Finance leases are effectively asset-backed funding where you pay to use the vehicle over an agreed term while the lender retains ownership. Often used where you want lower monthly payments and can manage any end-of-term residual value obligations. Good for businesses that treat the asset as a long-term operational item.
Operating Lease & Contract Hire
Operating leases (contract hire) are popular for fleets. You rent the vehicles for a fixed term with maintenance and servicing options available as part of the package. Vehicles are returned at the end of the term — useful to keep assets off the balance sheet and simplify fleet management.
Specialist & Alternative Options
We can also introduce options for: balloon payment structures, asset refinance, hire purchase for used commercial vehicles, and tailored EV/fleet funding solutions that factor in government grants or chargepoint costs where applicable.
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.
For more detailed information specifically aimed at vans, trucks and fleet funding, see our vehicle finance resource on vehicle finance.
How our vehicle finance matching works
- Complete a short enquiry form — tell us about your business, the vehicles you need and the funding amount. This is information only, not a credit application.
- We match your enquiry with specialist brokers and lenders in our panel based on sector, vehicle type and funding requirement.
- Expect a rapid response — brokers or lenders will contact you with questions and potential options (typically by phone or email within business hours).
- Compare and decide — review quotes directly with the lender/broker, choose the best fit and complete the formal application with them.
All matches are made to help you compare suitable providers quickly — you remain in control and there is no obligation to proceed. Get Started — Free Quote in Minutes.
Eligibility guide: what lenders consider
Business profile
Lenders typically look at the trading entity (limited companies and SMEs), trading history, annual turnover and profitability. While established businesses with accounts are advantaged, many brokers can help businesses with limited trading history by identifying specialist lenders.
Vehicle details
New vs used, make/model, payload and annual mileage all influence terms. Specialist vehicles (e.g. refrigerated vans, tippers, adaptations) may require specialist underwriting and different residual value assumptions.
Credit & security
Credit history, existing liabilities and director guarantees can be relevant for certain products. Asset-backed options (where the vehicle itself secures the finance) are common for larger sums or where credit is challenged.
Documentation checklist
- Company registration details and director ID
- Recent business bank statements
- Management accounts or statutory accounts (if available)
- Details of vehicles to be financed (quotes or sales invoices)
Tip: have vehicle specs and projected usage ready to speed up quoting. If you’re unsure about documentation, submit the enquiry and a broker will advise on next steps.
Vehicle finance cost considerations
Understanding cost drivers helps you compare offers properly. Key factors include the vehicle’s value, finance product (HP vs lease), term length, any deposit or balloon, and the business’s credit profile.
Other ongoing costs to factor into total cost of ownership:
- Fuel or electricity (for EVs), maintenance and servicing
- Insurance and road taxes
- Depreciation and residual value risk
- Charging infrastructure or adaptations for EV fleets
Illustrative example (example only)
Example: £30,000 van funded by hire purchase over 4 years with a 10% deposit. Monthly repayments will vary by lender and credit, and any early repayment or excess mileage charges depend on the contract. Use lender quotes to compare APR, fees and total payable — our matches help you gather those quotes quickly.
Compliance note: actual rates and terms depend on the lender/broker you choose. Fast Business Loans does not provide regulated financial advice — we introduce you to providers who will.
Why work with Fast Business Loans
We exist to make vehicle finance simple and fast for UK businesses. Our service is designed to help you get matched with appropriate providers without the legwork of searching dozens of lenders yourself.
- Free, no-obligation matching — submit one enquiry to reach multiple specialist providers
- Sector and vehicle expertise — we connect you with brokers who understand your industry needs
- Fast responses — expect contact from brokers/lenders quickly during business hours
- Data security — your details are only shared with partners who can assist with your request
- Suitable for loans and leases from around £10,000 and up — including fleet funding
Success snapshots
Courier fleet upgrade
A regional courier replaced five ageing vans with a mixed finance lease and maintenance package. Matched with a broker through Fast Business Loans, funding was arranged and vehicles delivered within two weeks. (Illustrative example — results vary.)
Construction contractor: specialist tipper
A medium-sized contractor financed a specialist tipper truck via a tailored hire purchase facility after being matched to a lender that specialises in commercial vehicles; deal completed in under a month.
Independent retailer: EV van
An independent retailer moved to an electric delivery van with a contract hire package that included maintenance and EV charging consultancy — matched and quoted within days.
Examples are anonymised and illustrative only — actual outcomes depend on your circumstances and the lender’s assessment.
Frequently asked questions
Do you lend directly?
No. Fast Business Loans is an introducer. We connect businesses with lenders and brokers who provide finance directly to you.
Will submitting the enquiry affect my credit score?
No — completing our enquiry form does not perform a credit search. Brokers or lenders may carry out credit checks later if you decide to proceed with a formal application.
What types of vehicles can be financed?
Providers in our network can typically fund vans, cars used commercially, HGVs, specialist and adapted vehicles, and whole fleets. Availability depends on the lender and vehicle specification.
How quickly will I hear from a broker?
Usually within a few business hours, often sooner during working days. Response times vary by provider and peak demand.
What loan amounts do you support?
We commonly introduce opportunities for funding from around £10,000 upwards — suitable for single vehicles through to large fleet financing.
Can I get EV-specific finance or green funding?
Yes — many brokers offer EV and sustainability finance packages that consider grants, residual values and charging infrastructure. Mention EV or green funding in your enquiry to be matched with specialists.
What happens after I’m matched?
A broker or lender will contact you to discuss options and may request documentation to prepare quotes. You will then deal directly with that provider to complete any formal application and documentation.
Ready to check your vehicle finance options?
Save time and get matched with lenders and brokers who understand commercial vehicles. Our quick enquiry is free, takes less than 2 minutes and is for information only — it is not a credit application.
Start Your Free Eligibility Check
- Takes under 2 minutes
- No obligation and no hard credit check at the enquiry stage
- Suitable for funding from around £10,000 upwards
Important information & disclaimers
Fast Business Loans is an introducer and does not provide loans or regulated financial advice. We connect businesses with lenders and brokers who may offer commercial vehicle finance. Any finance terms, approvals, rates and fees are determined by the lender/broker you deal with and are subject to their assessment. Completing our enquiry form is not a loan application.
Please review the lender or broker’s terms and seek professional advice where needed. For details on how we handle your data, see our Privacy Policy.
– Do you lend directly? Answer: No—Fast Business Loans is an introducer that connects UK businesses with trusted brokers and lenders who provide vehicle finance directly.
– Will completing the enquiry affect my credit score? Answer: No, the enquiry is information-only and involves no hard credit check, with any checks done later by the chosen provider if you proceed.
– Is your service free and with no obligation? Answer: Yes, submitting an enquiry is free and there’s no obligation to move forward with any offer.
– What vehicle finance options can I compare? Answer: You can compare hire purchase/conditional sale, finance lease, operating lease/contract hire, EV and fleet funding, balloon structures, and asset refinance.
– What’s the difference between hire purchase and leasing? Answer: Hire purchase leads to ownership after the final payment, while leasing lets you use the vehicle for a term with the asset typically returned at the end.
– Which vehicles can be financed? Answer: Vans, HGVs, business-use cars, specialist or adapted vehicles, and full fleets can be financed subject to lender criteria.
– What funding amounts and terms are available? Answer: Typical vehicle finance starts from around £10,000 with terms commonly 2–5 years, scaling higher for fleet deals depending on the lender.
– How quickly can I get quotes or funding? Answer: Brokers usually respond within a few business hours and, depending on your case, funding can complete in days to a few weeks.
– Can start-ups or businesses with weaker credit get vehicle finance? Answer: Yes, many partners consider newer or credit-challenged businesses via specialist underwriting and asset-backed options.
– What documents will lenders typically ask for? Answer: Expect company and director ID, recent business bank statements, accounts if available, and vehicle quotes or invoices.