Quick summary

If your business needs funding for vans, trucks, HGVs, minibuses, plant or a whole fleet, Fast Business Loans can rapidly introduce you to lenders and brokers who specialise in vehicle finance. We don’t provide loans — we match your enquiry (from around £10,000 upwards) to the most appropriate providers so you can compare quotes fast. A short, no‑obligation enquiry is a soft check only and won’t impact your credit score. Get Started – Free Eligibility Check: Get Started – Free Eligibility Check.

Why smart businesses compare vehicle finance the Fast way

Replacing or expanding business vehicles can be costly and time sensitive. Comparing multiple finance routes helps you protect cash flow, control tax exposure and choose terms that suit your operational needs. Fast Business Loans saves you time by connecting limited companies, LLPs and partnerships with brokers and lenders experienced in commercial vehicle funding.

• Quotes often within hours — faster than searching individually.
• We cover vans, HGVs, EV fleets, minibuses and specialist plant.
• Free eligibility check; no obligation to proceed.

“Our aim is to find the right funding partner for the business — quickly and transparently.”

What counts as vehicle finance for UK companies?

Vehicle finance covers any commercial borrowing or leasing arrangement used to acquire, replace or refinance vehicles and vehicle-based equipment. Most enquiries we handle are for businesses seeking funding of £10,000 and above.

Vehicles you can fund

Options commonly available through our panel include:

• Vans and LCVs (for deliveries, trades, services)
• Rigid trucks, curtain‑siders and box vans
• Articulated HGVs and specialist haulage vehicles
• Minibuses, taxis and passenger transport vehicles
• Electric vehicle (EV) fleets and charge infrastructure packages
• Plant machinery and vehicle-mounted specialist equipment

When vehicle finance makes sense

Typical reasons to seek vehicle finance:

• Replacing ageing vehicles to reduce downtime
• Winning a new contract that requires specific vehicles
• Scaling up a delivery or passenger fleet quickly
• Improving sustainability by switching to EVs
• Freeing up cash by refinancing existing assets

Documentation lenders typically request

• Basic company details and registration
• Recent business bank statements
• Management accounts or financial history (if available)
• Vehicle specification, age and mileage (for used vehicles)
• Proof of identity for directors/major shareholders (at later stages)

Unsure what you’ll need? Request a call back via our short enquiry: Free Eligibility Check.

Vehicle finance options we can help you compare

There is no one-size-fits-all product. Below is an impartial overview of common finance solutions and when businesses typically choose them.

Hire Purchase (HP)

Pay a deposit then fixed monthly payments; ownership transfers after the final payment.

• Benefits: Predictable payments, eventual ownership, straightforward.
• Things to consider: Often treated as on‑balance‑sheet; may require larger deposit.

Finance Lease

Lender retains ownership; you take on most risks and rewards of the asset.

• Benefits: Lower initial outlay, useful for short‑term asset plans.
• Things to consider: VAT and accounting treatment differs from HP; final balloon/residual terms apply.

Operating Lease / Contract Hire

Common for fleets — regular payments cover use of the vehicle; the provider usually handles disposal.

• Benefits: Off‑balance sheet options, fleet management services available.
• Things to consider: Mileage and condition clauses; typically no ownership at term end.

Balloon, Seasonal & Tailored Payment Plans

Flexible structures to match cash flow seasonality or preserve working capital.

Refinance & Asset Refinance

Release equity from owned vehicles or consolidate multiple vehicle agreements into one facility.

Need a quick comparison? Compare Hire Purchase, Lease & more — Get Quote Now.

How UK lenders assess vehicle finance applications

Lenders evaluate a range of factors when underwriting vehicle finance. Understanding these increases your chance of a smooth outcome.

Credit history & affordability

Company and director credit histories matter. Lenders review affordability based on cash flow and projected vehicle usage.

Vehicle specifics

Age, mileage, condition and intended use of the vehicle impact the offer and rate — specialist conversions or niche equipment may require specialist underwriters.

Trading history & sector

Established trading records and sector experience generally improve terms; however, many lenders also work with early-stage companies if directors can evidence affordability.

Remember: initial matching does not guarantee approval — final decisions rest with the lender and are subject to full underwriting.

How the Fast Business Loans matching service works

1. Quick enquiry: Complete a short form (takes less than 2 minutes). No impact to credit score for enquiring.
2. We match: We introduce your enquiry to selected lenders/brokers that fit your needs and vehicle type.
3. Rapid response: Expect a call or email — usually the same business day — with indicative options.
4. Compare and decide: Review multiple quotes and proceed with the lender/broker you choose.

Our role is to connect you. We’re free to use and there’s no obligation to proceed. Start My Vehicle Finance Enquiry.

Vehicle finance solutions tailored to your sector

Logistics & Transport

From a single delivery van to nationwide HGV fleets, matching to lenders who understand fleet cycles, maintenance packages and contract hire requirements.

Construction & Plant Hire

Finance for tippers, plant‑mounted vehicles and construction transport with options to include maintenance and downtime cover.

Agriculture & Rural Businesses

Funding for farm transport, specialist trailers and agricultural conversions — lenders experienced with rural seasonal cashflows.

Passenger Transport & Mobility

Minibuses, taxis and community transport vehicles — options for wheelchair conversions and passenger licensing considerations.

Tell us about your vehicles and we’ll match you with the right lender: Get Quote Now.

Budgeting for vehicle finance: rates, deposits and total cost

Costs vary widely by product, credit profile, vehicle age and term. Always compare the total cost rather than monthly payment alone.

• Deposits reduce monthly payments but aren’t always required.
• APR depends on lender and borrower profile; exact rates are subject to underwriting.
• Consider VAT treatment, maintenance, insurance and residual values.

Want a personalised cost breakdown? Get a Personalised Cost Breakdown.

Vehicle Finance FAQs

Can start-ups access vehicle finance?

Yes. Many lenders and brokers will consider start-ups where directors can evidence affordability or provide appropriate security. We can match you to specialists who work with early-stage businesses.

Will enquiring affect my credit score?

No. Submitting an enquiry through Fast Business Loans is a soft check only and does not affect your credit file. Lenders may conduct hard searches later if you choose to apply.

Can I finance used vehicles or specialist equipment?

Yes. Our panel includes funders who finance used commercial vehicles, specialist conversions and plant‑mounted equipment, subject to valuation and condition.

How fast could I receive funds or vehicles?

Decision times vary. Once approved, funds or delivery can often be arranged within a few working days depending on vehicle lead times and supplier terms.

Do you support electric or low‑emission fleets?

Yes. We work with lenders and brokers who offer EV fleet funding and can include options for chargers and conversion costs. Check for available grants and incentives when planning your purchase.

Are there options for adverse credit histories?

Some providers specialise in higher-risk or adverse-credit cases. If you’ve had past problems, we’ll try to match you with lenders who can offer realistic options.

What fees does Fast Business Loans charge?

Our introducer service is free for businesses. Any fees from brokers or lenders will be disclosed to you by them before you agree to any finance.

Get your tailored vehicle finance quote today

Ready to move forward? Submit a short enquiry (takes under 2 minutes). We’ll match you with lenders and brokers who can provide tailored quotes for your business vehicles — typically for requests from £10,000 upwards. No obligation, no upfront cost.

What happens next:

1. You complete our quick enquiry form: Get Started – Free Eligibility Check.
2. We match your details with suitable partners and introduce your enquiry.
3. A broker or lender gets in touch, usually the same business day, to discuss options and next steps.

Submitting this enquiry authorises Fast Business Loans to share your business details with selected finance partners so they can provide quotes. Final approvals and credit checks are performed by lenders if you choose to proceed.