Why consider business vehicle finance right now?

Buying commercial vehicles outright ties up capital that could be used for growth. Finance allows you to spread cost, preserve working capital and upgrade fleets more regularly — helping you respond quickly to customer demand or regulation (for example, switching to electric vans).

Rising fleet and operational costs

Vehicle prices, maintenance and compliance costs have risen over recent years. Financing lets many businesses access newer, more economical vehicles that reduce running costs and downtime without a large upfront cash outlay.

How smart financing keeps you competitive

Whether you operate in logistics, trades, care, or retail delivery, the right funding makes it easier to scale, bid for larger contracts or replace older assets. Fast access to finance can be the difference between winning a contract or losing it to a competitor with more reliable transport.

How Fast Business Loans connects you to the right vehicle finance

We are not a lender. We act as an introducer: you complete a short enquiry and we match your requirements with lenders and brokers in our network who are most likely to be able to help.

1. Quick enquiry: Complete a short form (takes under 2 minutes).
2. Intelligent match: We select partners experienced in your vehicle type and sector.
3. Rapid contact: Partners typically respond by phone or email to discuss options.
4. Compare & decide: Review personalised quotes and proceed with the lender you prefer.

What to expect after you submit

Our introducer service shares your details with a small number of relevant partners who may contact you. This is an enquiry only — lenders will request documentation if you decide to progress. Initial contact commonly occurs within 24–48 business hours.

Vehicle finance solutions available via our partner network

Different lenders offer different products. Below are the common options our partners can arrange for businesses:

Hire Purchase (HP) & Conditional Sale

Spread payments with fixed monthly repayments. Ownership transfers after the final payment. Useful when you want to own the vehicle at term end.

Finance Lease & Sale & Leaseback

Lease-style arrangements where you keep use of vehicles for a term with options for residual payments. Sale & leaseback can release cash from assets you already own.

Operating Lease / Contract Hire

Off-balance-sheet access to vehicles with optional maintenance packages. Suited to businesses focusing on predictable monthly costs and swapping vehicles regularly.

Refinance Existing Vehicles

Release equity from owned vehicles to boost cash flow, consolidate debt or reinvest in the business.

Vehicle types covered: commercial vans, small vans, LCVs, fleet cars, HGVs, refrigerated trucks, minibuses, ambulances, specialist plant & machinery on wheels, and electric vehicles (EVs).

For more detailed vehicle-specific finance information, see our dedicated vehicle finance pillar on vehicle finance.

vehicle finance

Use cases: tailored finance for your industry

We match you with partners who understand your sector and vehicle needs.

Logistics & Courier Businesses

Fast decisions and multi-vehicle packages to meet peaks in demand and replacement cycles. Financing helps scale fleets quickly without capital strain.

Construction & Trades

Vans, pickups and specialist plant transport — finance preserves cash for materials and payroll while you run essential vehicles for jobs.

Care & Community Services

Accessible vehicles and minibuses can often be funded with tailored terms to meet tight budgeting and compliance needs.

Retail & E‑Commerce

Last-mile delivery fleets and click-and-collect vehicles supported with options for maintenance and seasonal uplift.

Agriculture & Specialist Fleet

Tractors, farm transport and multi-purpose vehicles can be included via partners that handle mixed asset finance.

Eligibility snapshot: who our partners can help

Eligibility varies per lender. Below are common parameters but acceptance is at the lender’s discretion.

Typical lending parameters

• Entity: limited companies and incorporated businesses (we do not handle sole trader or professions-focused products on this page).
• Loan sizes: typically from £10,000 upwards.
• Trading history: many lenders prefer 6–12 months trading for standard products; specialist lenders may consider younger businesses.
• Credit profile: acceptable but adverse credit can be considered by specialist brokers — terms will vary.
• Deposit: from 0% up to 30% depending on product and vehicle age.

Start-ups & adverse credit

Some brokers and lenders specialise in start-ups or businesses with adverse records; they may require stronger business plans, cashflow forecasts or personal guarantees.

Costs, terms & things to compare

Always compare total cost of ownership (monthly payments + maintenance + insurance + residual value). The table below shows illustrative ranges — actual quotes will depend on your business and lender.

Understanding Total Cost of Ownership (TCO)

Include fuel (or charging), maintenance, insurance, road tax, downtime and residual value when comparing offers. For EV fleets, ask partners about government incentives and grant familiarity.

How to prepare for your vehicle finance enquiry

Having documents ready speeds up the process. Typical checklist:

• Basic company details and contact details
• Amount required and vehicle types (make/model/age if used)
• Recent management accounts or abridged accounts
• Business bank statements (3–6 months)
• Details of any existing finance agreements
• Evidence of contracts, purchase orders or customer pipeline if relevant

Need help compiling a strong submission? Ask us to introduce you to brokers who will prepare proposals on your behalf.

Why choose Fast Business Loans as your introducer?

• Save time — one short enquiry connects you with multiple providers.
• Sector expertise — we match you to partners who understand your vehicles and industry.
• No obligation — you decide which lender to work with.
• Quick responses — many enquiries receive contact within 24–48 hours.
• Data handled securely and shared only with relevant partners.

Frequently asked questions about business vehicle finance

How fast can I arrange vehicle finance via Fast Business Loans?

After you submit, partners often contact within 24–48 hours. Final approval depends on lender checks and documentation — this can take from a day to several weeks depending on complexity.

Can I finance electric or specialist vehicles?

Yes. We work with brokers and lenders experienced in EVs, refrigerated trucks, ambulances and other specialist vehicles. Tell us specifics in the enquiry so we can match you appropriately.

Will my enquiry affect our company credit score?

No. Completing our initial enquiry does not perform a hard credit search. Lenders may carry out credit checks later if you progress with an application.

Do you charge businesses for introductions?

Our service is free for businesses to use. We are an introducer and receive fees from partners when introductions convert, so there is no cost to you for the match.

Can I refinance existing vehicle agreements?

Yes — many partners offer refinancing or sale & leaseback to release funds from owned vehicles or restructure existing payments.

What happens if a lender turns me down?

We can reintroduce your enquiry to alternative lenders or specialist brokers who consider different credit profiles. Decisions are always at the discretion of the lender.

Important information & disclaimers

• Fast Business Loans is an introducer, not a lender. We do not provide regulated financial advice.
• All finance decisions, eligibility checks and lending terms are made by the lenders and brokers we introduce.
• Submitting an enquiry does not carry out a hard credit search. Lenders may perform credit checks if you choose to proceed.
• Terms, rates and availability vary; details provided here are illustrative and for information only.
• For our privacy policy and how we handle your data please visit our website (link in footer).