Fast, Tailored Vehicle Finance for UK Businesses

Summary: Fast Business Loans connects UK limited companies and growing businesses with specialist lenders and brokers for business vehicle finance from £10,000 upwards. We’re an introducer — not a lender — and our free, no-obligation enquiry helps match your business with the right funding route for vans, HGVs, EV fleets, specialist vehicles and more. Get a Free Eligibility Check in under 2 minutes and receive matched quotes from lenders and brokers who understand your sector. Get Started — Free Eligibility Check

Fast Business Loans is an introducer, not a lender. We do not provide financial advice. Finance is subject to status and lender terms. We only share your details with selected partners relevant to your enquiry.

Table of contents

• What is vehicle finance and who we help
• Why businesses choose Fast Business Loans
• Vehicle finance options we can introduce
• How our matching process works
• What lenders consider & documents to prepare
• Real-world financing scenarios
• Compare using an introducer vs going direct
• What happens after you enquire
• Vehicle finance FAQs
• Ready to get matched?

What is vehicle finance and who is it for?

Vehicle finance covers loans and leasing arrangements taken out by companies to acquire business vehicles — from light commercial vans and crew cabs to HGVs, coaches, plant and multi-vehicle fleet purchases. Typical products include hire purchase, finance lease, operating lease and asset refinance. Our partners arrange funding for new and used vehicles, specialist fit-outs, and electric vehicle (EV) fleets and charging infrastructure.

We commonly help companies in logistics, construction, last-mile delivery, passenger transport, utilities and other sectors needing reliable commercial vehicles. If you’re seeking funding of £10,000 or more, we can match you to brokers and lenders that specialise in your sector.

Free Eligibility Check — Get Quote Now

Why businesses choose Fast Business Loans

• Speed: Complete a short enquiry in under 2 minutes and get matched quickly.
• Choice: We introduce you to brokers and lenders who specialise in business vehicle finance.
• Sector knowledge: Our partners understand vehicle types, VAT and industry seasonality.
• No cost to you: Our service is free and no obligation — you decide whether to proceed.
• No credit impact to enquire: Submitting our enquiry is a soft process and does not affect your business credit score.

We help reduce time spent searching and increase the chance of a suitable match by using details about your business, vehicle needs and finance preferences to steer your enquiry to the most relevant partners.

Get Started — Free Eligibility Check

Vehicle finance solutions we can introduce

Hire Purchase (HP) & Conditional Sale

Hire Purchase is a common route for businesses that want to own the vehicle at the end of the agreement. Typical terms range from 12–60 months. Often requires a deposit or initial rental. VAT handling depends on whether vehicle is for business use.

Finance Lease & Operating Lease

Finance lease allows you to use the vehicle without ownership; operating leases (contract hire) are popular for businesses that prefer off-balance-sheet solutions and regular fleet renewal. Lease terms can include maintenance packages and residual value arrangements.

Refinancing Existing Fleets

Refinance options unlock equity from owned vehicles to improve cashflow or consolidate payments. Lenders value age, mileage and service history when assessing fleets.

Electric & Low-Emission Vehicle Finance

Specialist lenders provide tailored packages for EV vans, trucks and charging infrastructure. In many cases, grant or incentive information can be factored into the financing conversation.

Seasonal, Specialist & Plant Vehicles

Funding for refrigerated vehicles, specialist bodies, cranes, and plant equipment is available through asset finance products designed for one-off or specialist assets.

Get Quote Now — Free Eligibility Check

A simple, transparent matching process

1. Complete a short enquiry: Tell us about the business, what you want to finance and approximate value — takes under 2 minutes. (Start your enquiry.)
2. We match and introduce: We select lenders/brokers from our panel who can best meet your needs.
3. Contact from partners: A matched broker or lender will typically call or email to discuss terms and request supporting documents.
4. Compare offers and decide: Review quotes and terms. If you choose to proceed, providers will complete formal checks and underwriting.

Many businesses receive indicative terms within a few working days; complex or large fleet deals may take longer. Remember: your initial enquiry does not commit you and does not impact credit.

Free Eligibility Check — Get Started

What lenders typically consider — and documents to prepare

Lenders assess a mix of business and asset factors. The common criteria include:

• Trading history and turnover
• Business structure and director information
• Credit profile (company and directors)
• Vehicle type, age, mileage and specification
• Deposit or initial rental amount
• Purpose of the vehicle and expected usage

Documents to have ready:

• Recent bank statements (usually 3–6 months)
• Management accounts or filed accounts
• Vehicle quotations or sales invoices
• Proof of ID for directors
• Service history for used vehicles or fleets

Businesses with imperfect credit can still be supported — our broker partners often tailor approaches using strong business cases, deposits or specialist lenders. For EV projects, bring any grant or fleet-transition paperwork to the discussion.

Get Quote Now — Free Eligibility Check

Real-world financing scenarios

Here are typical examples of how we match businesses to solutions:

1. Regional delivery operator expands with LCVs

A delivery company needed five used vans quickly. We introduced brokers who sourced competitive hire purchase deals; the business secured terms within 72 hours and kept an affordable monthly cost while spreading the deposit.

2. Construction contractor funds plant and a crew cab

A construction firm combined plant and a pickup in a single asset finance package, improving cashflow and keeping repayments aligned to project income.

3. Coach operator upgrades to low-emission fleet

We connected the operator with lenders experienced in coach finance and EV transition, including options covering vehicle purchase and onsite chargers.

These are illustrative and outcome depends on individual circumstances. If any of the above sounds like your plan, start your enquiry.

Why compare vehicle finance through an introducer?

Going through a specialist introducer saves time and widens your options. Compared with approaching one lender directly, using Fast Business Loans can:

• Give access to multiple lenders/brokers matched to your situation
• Reduce the need to repeat paperwork to several providers
• Provide sector expertise (HGV, fleet, EV, plant)
• Potentially reveal more competitive terms due to broker relationships

And crucially — it costs you nothing to get matched. We only pass your details to partners relevant to your enquiry.

Free Eligibility Check — Get Matched Today

What happens after you submit your details?

After you complete the enquiry form a member of our team or a selected partner will contact you to confirm details and arrange next steps. Partners may request documents to provide indicative terms. If you decide to proceed with a provider they will carry out formal affordability and credit checks — and will explain any checks before they take place.

You remain in control: you can accept or decline offers, and you will receive full details from the lender or broker before committing.

Get Started — Free Eligibility Check

Vehicle finance FAQs

Is Fast Business Loans a lender?

No. Fast Business Loans is an introducer that connects businesses with lenders and brokers who arrange finance directly. We do not provide financial advice or lend money ourselves.

What vehicles can I finance?

We can introduce funding for vans, LCVs, HGVs, coaches, specialist bodies, plant machinery and multi-vehicle fleet packages, including electric vehicles and supporting infrastructure.

How quickly will I hear from a lender or broker?

Often within hours during business times you’ll receive a call or email. Indicative terms can be available within a few working days, though larger or specialist transactions may take longer.

Will submitting an enquiry affect my credit score?

No. Completing our enquiry form is a soft process and does not impact your credit score. Lenders or brokers will explain and get consent before any formal credit checks.

Can businesses with adverse credit or limited trading history apply?

Yes. Our panel includes brokers experienced in supporting businesses with a range of credit histories and start-up or short trading situations. Eligibility depends on the specific case and finance type.

Do you handle EV funding and grants?

Yes — we work with partners who offer finance for electric vehicles and charging infrastructure and who can advise on potential grant or incentive routes.

What fees will I pay to use Fast Business Loans?

There is no fee for business owners to use our matching service. Any fees or charges related to a specific finance product will be confirmed by the lender or broker when they provide terms.

How much can I borrow?

We commonly help businesses seeking vehicle finance from around £10,000 and upwards. For larger fleet or commercial vehicle programmes, our partners arrange bespoke funding packages.

Start Your Free, No-Obligation Enquiry

Ready to secure the right vehicle finance for your business?

Tell us a few basic details and we’ll match your business to the lenders and brokers best suited to your vehicle needs. It’s free, takes less than 2 minutes, and does not affect your credit score. Get Started — Free Eligibility Check

Learn more about options available for business vehicle purchases and leasing on our vehicle finance resource: vehicle finance.

Fast Business Loans is an introducer. We do not provide financial advice or lend money. Finance is subject to status, affordability and the lender’s terms. Your details will only be shared with selected partners relevant to your enquiry. For information on data handling see our Privacy Policy and Terms.

– What is business vehicle finance and who is it for?
Business vehicle finance is funding via loans or leases for UK limited companies and SMEs to acquire vans, HGVs, fleets and specialist vehicles from £10,000+.

– Is Fast Business Loans a lender?
No—Fast Business Loans is an introducer that connects you with specialist UK lenders and brokers; we don’t lend or provide financial advice.

– What types of vehicle finance can you introduce?
We can introduce hire purchase (HP), conditional sale, finance lease, operating lease and asset refinance tailored to your vehicle and sector.

– What vehicles can I finance?
You can finance vans/LCVs, HGVs, coaches, plant and specialist-bodied vehicles, as well as EV fleets and on-site charging infrastructure.

– Will submitting an enquiry affect my credit score?
No—our free, under-2-minute eligibility check is a soft process and won’t affect your credit score; any formal checks happen later with consent.

– How quickly will I hear back and get terms?
You’ll typically be contacted within hours and can receive indicative quotes within a few working days, depending on deal size and complexity.

– What documents do lenders usually require?
Expect to provide 3–6 months’ bank statements, accounts, director ID, vehicle quotes or invoices, and service history for used assets.

– Can I get finance with adverse credit or as a start-up?
Yes—partners on our panel consider applicants with adverse credit or limited trading history, subject to status, deposit and affordability.

– How much can I borrow for vehicle finance?
Most enquiries start from around £10,000 with no formal upper limit for fleets, as larger packages are arranged bespoke by our partners.

– Do I need a deposit and how is VAT handled?
Deposits vary by product and profile, and VAT treatment depends on business use, which your matched lender or broker will confirm.