Logistics business loans: Fast finance matches for UK transport firms
Summary: Logistics and transport businesses face tight margins, rising operating costs and urgent capital needs. Fast Business Loans connects UK logistics operators with specialist brokers and lenders to secure the right finance quickly. We are an introducer (not a lender) — a free, no-obligation service that helps haulage companies, couriers, freight forwarders and warehouse operators find working capital, vehicle and asset finance, invoice finance and depot funding from providers that suit their needs. Ready to explore options? Get Started — 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.
Why finance matters for logistics & transport businesses
Logistics operators work on tight margins and fast-moving cycles. Access to the right finance can mean the difference between taking an opportunistic contract and turning business away. Typical pressures include:
- Rising fuel and maintenance costs
- Need to upgrade or expand fleets to meet demand
- Seasonal peaks that require short-term working capital
- Long B2B payment terms that strain cash flow
- Investments in depots, racking, refrigeration or automation
Example: an anonymised haulier used asset finance to replace older HGVs, reducing maintenance downtime and winning a major contract — the investment paid for itself in reduced repairs and additional revenue.
Get Quote Now — 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.
How Fast Business Loans supports UK logistics operators
Fast Business Loans is an introducer. We don’t lend or give regulated financial advice — we match your business to brokers and lenders who specialise in logistics finance.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Benefits of using our service:
- Save time — we quickly shortlist lenders that suit your sector and needs
- Better fit — you’re introduced to partners experienced in fleet, depot and supply-chain finance
- No impact on credit score from our initial enquiry
- Free and no obligation — only proceed if an offer suits you
Find Your Logistics Finance Partner
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Funding options for logistics and transport companies
There’s no one-size-fits-all solution. Below is an overview of common finance types logistics businesses use.
Working capital & cashflow loans
Short- to medium-term loans that bridge seasonal gaps, cover payroll during growth, or fund fuel hedging. Typical amounts start from around £10,000; exact ranges vary by lender.
Asset & vehicle finance
Finance to buy or lease vans, trucks and HGVs — including hire purchase, finance leases, and refinancing existing assets. Support is available for fleet electrification and transitional solutions.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
| Product | Use case | Typical term | Key benefit |
|---|---|---|---|
| Hire Purchase | Buy vehicle with fixed monthly payments | 2–7 years | Own the vehicle at term end |
| Finance Lease | Longer-term use without ownership | 2–7 years | Lower upfront cost; tax advantages for some businesses |
| Refinance | Release equity from existing fleet | Varies | Improve cash flow |
Invoice finance & factoring
Unlock cash tied up in unpaid invoices — ideal where long payment terms from clients create liquidity pressure. Options include invoice discounting and full factoring depending on control and confidentiality needs.
Warehouse & depot fit-out finance
Funding for racking, security, refrigeration, and automation — helps scale storage capacity and meet cold-chain requirements.
Discuss Your Project — Get Matched Today
Green & sustainability loans
Specialist finance is available for decarbonisation projects such as EV fleet purchases, charging infrastructure or conversions to lower-emission fuels. These lenders recognise long-term savings and may offer competitive terms.
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.
To learn more about sector-specific options and typical providers, see our industry overview of Logistics business loans.
Who we help in the logistics supply chain
Our network supports a broad range of logistics businesses, including:
- Hauliers & HGV fleets
- Last-mile couriers and parcel operators
- Freight forwarders and customs brokers
- 3PL and 4PL providers
- Cold-chain distributors and temperature-controlled hauliers
- Warehouse and depot operators
“Fast Business Loans introduced us to a broker who understood fleet finance — we replaced seven trucks and took on new contracts within weeks.” — Logistics client (anonymised)
Eligibility snapshot: what lenders assess
Criteria vary by lender, but typical assessment factors include:
- Trading history and company structure
- Annual revenue and profitability
- Fleet size, age and asset values (for secured finance)
- Existing debts and repayment history
- Customer contracts and forward pipeline
Many of our partners can assist businesses with imperfect credit histories; submit a free enquiry to see who can help. Free Eligibility Check — No Impact on Credit Score
Step-by-step: Fast Business Loans matching process
Here’s how it works:
- Complete our short enquiry form (takes about 2 minutes).
- We match you with vetted brokers and lenders experienced in logistics finance.
- A partner contacts you to discuss tailored options.
- Compare offers and proceed directly with the lender or broker — no obligation to accept anything.
We only share your details with partners who can help your specific request. If you decide to proceed, lenders or brokers may carry out credit or affordability checks as part of their underwriting process.
How much can logistics businesses borrow?
Borrowing amounts depend on turnover, security and lender appetite. Typical ranges from our partners:
- Working capital: £10,000–£500,000+
- Asset & vehicle finance: finance from £10,000 per vehicle to multi-million fleet deals
- Invoice finance: facilities scaled to turnover (often £50k–£5m+)
- Depot and fit-out finance: £25,000 upwards
Exact amounts and rates vary by lender and assessment. Use our Free Eligibility Check to see what level of funding your business may access.
Speed of funding
Time to funding depends on product complexity and documentation. Typical timelines:
| Finance type | Time to offer | Time to funding |
|---|---|---|
| Invoice finance | 1–3 days | 2–7 days |
| Asset finance | 24–72 hours (initial) | 3–14 days |
| Working capital loan | 2–7 days | 7–21 days |
We accelerate progress by introducing you to the most appropriate partners quickly. Get Quote Now
Documentation checklist
Having these documents ready shortens underwriting time:
- Last 6–12 months bank statements
- Management accounts and most recent annual accounts
- Fleet asset list with values and ages
- Copies of major customer contracts or POs
- Proof of identity for directors
Tip: prepare these before you speak to a broker to speed up approvals.
Case snapshots
North West Haulier — £350k asset finance for five replacement HGVs; approved in 9 days, enabling a new contract win.
Regional Courier — invoice finance facility that unlocked cash for seasonal hiring and increased on-time delivery capability.
Cold-Chain Distributor — depot fit-out finance for new refrigeration units; quote and match within a week.
Compliance & transparency
Important: Fast Business Loans is an introducer, not a lender. Our service is free to businesses — there’s no charge to submit an enquiry. Lenders or brokers contacted may pay us a commission for introductions. Any formal application, credit checks or regulatory checks are carried out directly by the lender or broker you choose to proceed with.
FAQs: Logistics business loans
Can I get logistics finance with imperfect credit?
Yes — eligibility varies. Our network includes brokers who regularly help logistics businesses with complex credit histories. Submit a free enquiry so a specialist can discuss options for your circumstances.
Do you help with electric vehicle fleet funding?
Yes. Many partners offer finance for EV purchases, charging infrastructure and green fleet upgrades. These products can be structured to reflect operational savings from lower running costs.
How quickly will a broker contact me after I apply?
During business hours you’ll typically receive a call or email within a few hours. Partners strive for fast responses so you can act quickly on opportunities.
Will my enquiry affect my credit score?
No — submitting an enquiry to Fast Business Loans does not affect your credit file. If you progress with a lender, they may carry out credit checks as part of their assessment.
Are there unsecured options for logistics firms?
Some lenders provide unsecured lending depending on turnover and trading history, but secured options (asset-backed or invoice finance) often deliver larger facilities or better rates for asset-heavy logistics businesses.
Next steps
If your logistics business needs fast finance, the quickest way to explore suitable options is to complete our short enquiry form. We’ll match you to brokers and lenders who understand your sector, then you can review offers with no obligation.
Start now: Get Started — Free Eligibility Check
– Are you a lender or an introducer for logistics business loans?
We’re an introducer, not a lender, connecting UK logistics and transport firms with vetted brokers and lenders that fit their needs.
– What types of finance can logistics and transport businesses access?
You can access working capital loans, asset and vehicle finance (HGVs, vans, EVs), invoice finance/factoring, warehouse/depot fit-out funding, and green sustainability loans.
– How much can my logistics company borrow?
Depending on turnover, security and lender assessment, facilities typically range from £10,000 up to multi‑million fleet and invoice finance lines.
– How fast can funding be approved and paid out?
Many firms receive an offer within 24–72 hours and funding in 2–14 days, depending on the product and documentation.
– Will submitting an enquiry affect my credit score?
No — our free eligibility check doesn’t affect your credit score; formal checks only happen if you proceed with a lender.
– Do you charge fees for using Fast Business Loans?
No — it’s free and no‑obligation for businesses, and we may receive a commission from brokers or lenders for introductions.
– Can I get logistics finance with imperfect credit or a short trading history?
Yes — specialist partners often consider firms with adverse credit or limited history based on contracts, assets and affordability.
– Can you finance HGVs, vans and electric vehicle fleets with charging infrastructure?
Yes — partners offer hire purchase, finance leases and refinancing for diesel and EV fleets plus chargers.
– Do you provide invoice finance to bridge long B2B payment terms?
Yes — our panel offers invoice discounting and full factoring to unlock cash from outstanding invoices.
– What documents help speed up approval for a logistics loan?
Have 6–12 months of bank statements, recent accounts, a fleet asset list, key customer contracts/POs and director ID ready.