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 Options in Minutes
Quick summary: If your business needs vans, HGVs, cars or specialist vehicles, Fast Business Loans connects you—quickly and free of charge—with brokers and lenders who can structure finance from £10,000 upwards. This is an introducer service: submitting an enquiry is not an application and does not commit you to proceed. Complete a short enquiry and we’ll match you to providers who typically respond within hours. Get Your Free Eligibility Check
How vehicle finance works through Fast Business Loans
Fast Business Loans is an introducer: we do not lend or give regulated advice. Instead, we collect a few details about your business and vehicle needs, then match you with lenders or brokers who specialise in commercial vehicle funding. Here’s the typical journey:
- Complete a short enquiry (takes under 2 minutes) — this is not an application.
- We match your details to suitable lenders and specialist brokers.
- Matched partners contact you to discuss terms, structure and supporting documentation.
- Compare proposals and choose the best fit. Your chosen provider handles underwriting, contracts and funding.
We aim to make introductions quickly so you can get vehicle funding from £10,000 upwards without searching dozens of providers. Get Your 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.
What types of vehicles can be financed?
Vans & light commercial vehicles
Ideal for trades, delivery and services. Finance commonly used for single vans or multi-vehicle replacement and expansion.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
HGVs, lorries & specialist transport
Funding options for haulage fleets, refrigerated units, tippers and specialist bodies used in logistics, waste management and distribution.
Cars, EVs & company fleets
Company cars, electric fleets and salary-sacrifice schemes can be financed — brokers can also advise on incentives and residual value structures for EVs.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Taxis, minibuses & passenger transport
Options exist for private hire and community transport operators including tailored lease and HP packages.
Agricultural & plant vehicles
Tractors, loaders and specialist plant finance often blends vehicle finance with asset or equipment finance options.
Both new and used vehicles are financeable, and many lenders support single-asset deals or large fleet programmes. For more detail on vehicle-specific funding, see our vehicle finance resources and comparisons on vehicle finance.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Common finance structures available
Different structures suit different cashflow, tax and ownership plans. Typical options include:
| Structure | Key features | Ownership |
|---|---|---|
| Hire Purchase (HP) | Fixed repayments; ownership transfers after final payment; simple to compare | Owned at end (subject to final payment) |
| Finance Lease | Lower initial outlay; long-term rental style; maintenance often included as optional extra | Lender retains ownership; operator has long-term use |
| Contract Hire / Operating Lease | Off-balance-sheet rental; fixed term & mileage caps; usually no ownership option | Lessor owns the vehicle |
| Asset refinance | Release cash from existing vehicles to improve cashflow or fund growth | Depends on arrangement |
| Balloon / Residual options | Lower monthly payments with larger final payment or refinance option | Flexible at term end |
VAT treatment, maintenance packages and mileage terms vary by lender. Specific terms depend on lender/broker assessment — your matched partner will discuss details. See which structures you qualify for
Eligibility snapshot: who vehicle finance suits
Vehicle finance is commonly arranged for incorporated businesses and growing companies with funding needs from £10,000 upwards. Typical indicators you’re likely to be able to access suitable options:
Qualifiers
- UK-registered companies seeking business vehicles or fleet upgrades
- Clear business purpose for the vehicle (delivery, haulage, service)
- Reasonable projected cashflow to meet repayments
Documents to prepare
- Latest company accounts or management accounts
- Vehicle specification and supplier quote
- Proof of business address and ID for directors
- Details of any existing finance
Start-ups and businesses with imperfect credit profiles may still be matched to specialists able to help — tell us your situation in the enquiry. 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.
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.
Why companies choose Fast Business Loans for vehicle funding
- Wide broker panel: access to lenders and brokers with vehicle and fleet experience.
- Time saved: one short enquiry and we do the matching.
- Transparent process: we introduce you — partners present terms directly.
- No fee to use: the service is free and obligation-free for your business.
- Data security: we only pass details to selected partners relevant to your request.
Sector-specific use cases & success scenarios
Logistics & courier businesses
Challenge: rapid fleet expansion to meet demand. Typical match: finance lease or HP for multiple vans with staged deliveries. Outcome: fleet in operation within weeks of acceptance.
Construction & trades
Challenge: seasonal income and heavy equipment to move. Typical match: balloon HP or seasonal payment profiles to align costs with cashflow.
Retail & distribution
Challenge: refrigerated vehicles for perishable goods. Typical match: specialist asset finance with maintenance options and tailored residuals.
Steps to a smooth enquiry
- Gather vehicle specs and a supplier quote.
- Complete our short enquiry form — it’s not an application. Start Your Enquiry
- We match you to the best-fit partners; expect contact within hours.
- Compare proposals, ask about APR, fees, maintenance and mileage caps.
- Submit documentation to your chosen provider for underwriting.
- Agree terms and take delivery of your vehicle.
Always read the finance agreement carefully before signing and ask your broker/lender any questions about costs or termination rights.
Costs, rates and risk considerations
Rates vary by credit profile, vehicle type, term length and residual arrangements. Typical cost elements include:
- Interest or finance charges (expressed as APR by lenders)
- Arrangement or documentation fees
- Maintenance or tyre packages (if included)
- Charges for excess mileage or early termination
Risks to be aware of: depreciation, mileage limits, missed payments affecting your business credit and potential repossession where finance is secured against the asset. Some lenders may request personal or director guarantees depending on the deal — discuss this with your matched partner.
Vehicle finance vs. alternative funding options
| Option | When it suits | Pros | Cons |
|---|---|---|---|
| Vehicle finance | Buying vehicles while preserving working capital | Flexible terms, specialist lenders, VAT and maintenance options | Ongoing repayments, mileage restrictions (leases) |
| Unsecured business loan | General working capital or smaller purchases | Can be faster, no asset tied to loan | Often higher rates; may not suit high-value vehicles |
| Cash purchase | When you have surplus funds | No interest, full ownership | Large capital outlay; opportunity cost |
| Asset refinance | Release equity from existing vehicles | Improves liquidity without new debt | May reduce future borrowing capacity |
Frequently asked questions
How quickly can funding be arranged once matched?
After your enquiry, matched partners commonly contact you within hours. Actual funding timelines depend on underwriting, documentation and vehicle delivery lead times; many straightforward deals complete in days to a few weeks.
Do your partners arrange finance for electric vehicles?
Yes — many brokers and lenders on our panel offer solutions for hybrid and fully electric vehicles, and can discuss incentives or residual-value structures relevant to EVs.
Can I finance second‑hand or imported vehicles?
Yes. Several lenders provide finance for used and imported commercial vehicles; terms will depend on vehicle age, mileage and condition.
Will submitting an enquiry affect my credit rating?
No. The initial enquiry via Fast Business Loans does not impact credit scores. Credit checks are only carried out by lenders/brokers with your consent when you progress an application.
What minimum funding amount can you help with?
We commonly help businesses seeking vehicle finance from £10,000 and upwards. For smaller needs, discuss with your matched broker — they can advise on the best route.
Ready to explore your options? Start Your Enquiry
Get started with your vehicle finance enquiry
Whether you need a single van or a multi-vehicle fleet, Fast Business Loans will match your business to lenders and brokers with relevant experience. Our service is free and without obligation—submitting an enquiry is simply a way to get quick quotes and expert conversation from providers who can help.
Get Your Free Eligibility Check
We only share your details with selected UK finance partners relevant to your request. Submitting an enquiry is not an application and does not commit you to any agreement. Finance is subject to status, affordability and terms set by the lender or broker.
– Q: Is the enquiry an application and is there any obligation or fee?
A: No—our quick form is a free, no‑obligation enquiry (not a loan application) used to match your UK business with suitable brokers and lenders.
– Q: What types of vehicles can I finance?
A: We connect you to finance for new or used vans, HGVs/lorries, cars and EVs, taxis/minibuses, and agricultural or plant vehicles, from single assets to full fleets.
– Q: What finance options are available for business vehicles?
A: Options include Hire Purchase, Finance Lease, Contract Hire/Operating Lease, asset refinance and balloon/residual structures tailored to cash flow and ownership goals.
– Q: What is the minimum finance amount?
A: Vehicle finance typically starts from £10,000 upwards through our partners, with exact limits set by the lender and asset.
– Q: How quickly can I get funding after I enquire?
A: You’ll usually hear from matched partners within hours, and many straightforward vehicle deals fund in days to a few weeks subject to underwriting and vehicle delivery.
– Q: Will submitting an enquiry affect my credit score?
A: No—your initial enquiry with Fast Business Loans does not affect your credit score; any credit checks are done later by a lender or broker with your consent.
– Q: What documents do I need to progress vehicle finance?
A: To progress a proposal, prepare recent accounts or management figures, the vehicle spec and supplier quote, proof of business address and director ID, and details of any existing finance.
– Q: Can start-ups or businesses with imperfect credit get vehicle finance?
A: Yes—specialist partners often consider start‑ups and businesses with adverse credit where affordability, security or guarantees support the case.
– Q: Can I finance electric, used or imported vehicles?
A: Yes—many lenders on our panel finance electric vehicles and fleets, as well as used and imported commercial vehicles (subject to age, mileage and condition).
– Q: What costs and rates should I expect?
A: Expect APR/finance charges and possible arrangement fees, with optional maintenance packages and potential excess‑mileage or early‑termination costs depending on the structure.