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
Summary: Fast Business Loans helps UK businesses access vehicle finance from £10,000 upwards by introducing you to lenders and specialist brokers. We explain key finance types (hire purchase, leasing, refinance), the vehicles lenders typically fund, typical eligibility, and how our quick enquiry matches you with the best partners. Ready to compare options? Get a Free Eligibility Check.
Quick overview & benefits
Need vans, HGVs, refrigerated units or electric vehicles for your business? Fast Business Loans connects you with specialist lenders and brokers who can structure finance to suit cashflow and operational needs. Our service is free, takes minutes to start, and is aimed at commercial lending from £10,000 upwards.
- Match with specialist vehicle finance brokers quickly
- Access hire purchase, lease, fleet and refinance options
- No obligation — compare multiple quotes without hunting providers
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.
Trust & privacy
We only share your details with carefully selected lenders and brokers who have experience in UK commercial vehicle finance. Your enquiry is private and used solely to match you with suitable providers.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
What is business vehicle finance?
Business vehicle finance is any loan or contract that helps a company acquire vehicles without paying the full cost up front. Common approaches include hire purchase (HP), finance leases, operating leases (contract hire), contract hire, and refinancing existing vehicle debt. Different products affect ownership, balance sheet treatment and monthly costs.
Fast Business Loans does not provide finance itself — we introduce you to brokers and lenders who will explain product suitability and provide quotes tailored to your business.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Free Eligibility Check to get matched with the right vehicle finance partner.
Vehicle finance solutions we can help you access
Hire Purchase (HP)
HP spreads the vehicle cost over an agreed term. You typically pay a deposit, monthly repayments, and own the vehicle at the end once the final payment or option to purchase is made. Ideal when you want ownership and predictable payments.
Finance Lease & Operating Lease
Finance leases are closer to ownership for accounting purposes; operating leases (contract hire) are effectively long-term rentals where the provider retains ownership. Operating leases suit businesses wanting off‑balance-sheet rentals and included maintenance options.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Contract Hire / Long-term Rental
Contract hire gives a fixed monthly rental for a set term and mileage. Maintenance and servicing can be included, making budgeting easier for fleets.
Refinance / Equity Release
If you need to free up cash, lenders may refinance existing vehicle assets or provide a loan secured against them. This can improve short-term cashflow.
Seasonal & Tailored Payment Structures
Some funders offer seasonal payments or flexible terms to match businesses with fluctuating income (for example, seasonal deliveries or agricultural work on certain months).
Which vehicles can be funded?
| Vehicle type | Typical use | Funding notes |
|---|---|---|
| Vans (small to medium) | Local deliveries, trades | High lender appetite; options for new/used |
| Light trucks & HGVs | Haulage & logistics | Specialist underwriters; Euro emissions spec considered |
| Electric vans and EVs | Sustainability-focused fleets | Many lenders offer EV packages and incentives |
| Refurbished/refrigerated units | Food & pharma logistics | Often financed with specialist asset finance |
| Coaches, minibuses, taxis/PHV | Passenger transport | Age/mileage limits and licensing checks apply |
Note: lenders differ on maximum vehicle age, mileage limits and VAT treatment. For specialist needs such as refrigerated or converted vehicles, we’ll match you to lenders with relevant appetite. For more detail on a specific product type see our vehicle finance partners and offers — for example specialist vehicle finance.
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 businesses choose Fast Business Loans for vehicle finance
- Speed — we rapidly connect you with lenders who understand your sector.
- Choice — you receive contacts from multiple providers so you can compare.
- Free & no obligation — submit an enquiry without commitment.
- Privacy — we only share your details with selected partners for matching.
“Fast Business Loans saved us weeks of sourcing — matched us with a specialist fleet lender within hours.” — client quote (placeholder)
How our vehicle finance matching service works
- Quick enquiry: You complete a short form telling us the vehicle types and funding amount (from £10,000). What to expect: this takes under 2 minutes.
- Smart matching: We match your details to lenders and brokers with the right appetite. What to expect: targeted introductions, not mass emails.
- Rapid contact: Selected partners contact you with questions or a quotation. What to expect: a call or email within a few hours during business hours.
- Compare & decide: Review quotes and choose the product that fits your cashflow and ownership preferences. What to expect: no obligation to accept any quote.
Eligibility snapshot: can you apply?
Typical lender requirements include:
- UK-registered trading business (limited companies and other corporates)
- Minimum finance request usually from around £10,000
- Relevant trading history or management accounts (requirements vary)
- Proof of identity and business documentation
Start-ups or businesses with limited trading history may still be considered by specialist lenders, often with director guarantees or additional security. Submitting an enquiry does not guarantee approval and initial enquiries do not usually affect your credit file; lenders may carry out credit checks later if you apply.
Comparing vehicle finance structures
| Product | Ownership | Upfront cost | Balance sheet | End-of-term |
|---|---|---|---|---|
| Hire Purchase | You (after final payment) | Deposit often required | Asset & liability shown | Own vehicle or refinance |
| Finance Lease | Usually provider (but treated as asset) | Low to medium | May appear on balance sheet | Purchase option or return |
| Operating Lease / Contract Hire | Provider | Low initial cost (rental) | Often off-balance-sheet | Return, extend or replace |
| Refinance | Varies | Fees may apply | Can improve cashflow | Continue with new terms |
Which is best depends on tax, accounting and operational priorities — your matched broker or lender will explain the implications and provide tailored quotes.
Costs, rates and fees: what to know
Rates and fees vary by lender and are influenced by business credit profile, asset age, term and security. Typical considerations include:
- Interest rates and APR depend on lender assessment — we do not set or guarantee rates.
- Documentation, arrangement or admin fees may apply.
- Early settlement charges and option-to-purchase fees (for HP/leases).
- VAT treatment differs depending on contract and vehicle type.
Always request a full breakdown of interest, fees and total cost from the lender before signing an agreement.
Funding scenarios we help with
SME upgrading a small van fleet
Need: replace ageing vans without large upfront spend. Solution: HP or contract hire matched to a fleet lender offering maintenance packages. Outcome: predictable monthly costs and modern vehicles.
Haulage firm adding Euro 6 HGVs
Need: high-value HGVs with compliance requirements. Solution: specialist HGV funder with tailored terms and seasonal payment smoothing. Outcome: compliant fleet and stable cashflow.
Sustainability project — switching to electric vans
Need: finance for EVs plus charging infrastructure. Solution: lenders offering EV finance packages and incentives. Outcome: lower running costs and improved green credentials.
Operator refinancing existing fleet debt
Need: reduce monthly outgoings by refinancing. Solution: refinance or consolidate vehicle debt through a broker who negotiates improved terms. Outcome: improved cashflow and simplified payments.
FAQs: business vehicle finance introductions
Are you a lender or finance broker?
We are an introducer. We connect your business to lenders and specialist brokers who provide finance quotations and handle applications.
Will my enquiry affect our credit score?
Submitting an initial enquiry with Fast Business Loans does not affect your credit score. Partner lenders may carry out credit checks if you proceed with an application.
How quickly will I receive responses?
Many businesses receive contact from matched providers within a few hours during business hours. Complex requests may take longer.
Do you support electric vehicle funding?
Yes — we work with lenders and brokers that provide finance and packages for EVs, including options that cover chargers or maintenance.
What documents will I need?
Typical documents include recent management accounts, bank statements, ID for directors, vehicle specifications and proof of business registration. Exact requirements vary by lender.
Is there a minimum amount I can apply for?
We focus on commercial vehicle finance from around £10,000 and above. For larger fleet projects our panel can assist with higher-value funding too.
Are quotes obligation-free?
Yes. Quotes from lenders and brokers are provided directly by those providers and are obligation-free until you accept their offer.
Get started with Fast Business Loans
Complete a short enquiry and we’ll match you with lenders and brokers who specialise in funding the vehicles your business needs. It’s free, quick and without obligation.
Start Your Free Eligibility Check
Disclaimer: Fast Business Loans is not a lender or financial adviser. We introduce businesses to brokers and lenders who will provide quotes and set terms. Submitting an enquiry authorises us to share your details with selected finance partners as set out in our Privacy Policy. Finance is subject to status and lender decision; no approval is guaranteed.
1) What is business vehicle finance and how does it work?
A: Business vehicle finance lets UK companies acquire vans, HGVs, EVs and more without paying in full upfront, using structures like hire purchase, leases or contract hire tailored to cash flow and ownership goals.
2) What vehicle finance options can you help me access?
A: We introduce you to lenders and brokers offering hire purchase (HP), finance lease, operating lease/contract hire, fleet finance and vehicle refinance/equity release.
3) Which vehicles can be funded, including vans, HGVs and EVs?
A: Our partners commonly fund new or used vans, light trucks and HGVs, refrigerated/converted units, coaches/minibuses and electric vehicles, subject to asset age, mileage and lender criteria.
4) Are you a lender or broker, and is my enquiry an application?
A: Fast Business Loans is an introducer—not a lender—and the form is a free, no‑obligation enquiry used to match you with suitable providers, not a finance application.
5) Will submitting an enquiry affect our credit score?
A: No—your initial enquiry doesn’t affect your credit score, though partner lenders may run credit checks if you proceed with an application.
6) How much can I borrow and what does it cost to use Fast Business Loans?
A: We connect UK businesses seeking vehicle finance from around £10,000 and up, and our matching service is completely free to use.
7) How quickly will I receive quotes or a decision?
A: Many businesses hear from matched lenders or brokers within a few hours during business hours, with complex cases sometimes taking longer.
8) Do you support start-ups or firms with limited trading history?
A: Yes—specialist lenders may consider start-ups or limited trading history, often with director guarantees or additional security.
9) What documents will I need to provide?
A: Typical documents include company details, director ID, recent management accounts and bank statements, plus vehicle specifications and supplier quotes (requirements vary by lender).
10) Can you help refinance existing vehicles or release equity from my fleet?
A: Yes—we can introduce you to lenders who offer vehicle refinance or equity release to improve cash flow, subject to status and asset value.