Logistics Business Loans & Finance in the UK

Summary: Fast Business Loans helps UK logistics and transport companies access finance from £10,000 upwards by matching you—quickly and free of charge—with specialist lenders and brokers. Whether you need fleet finance, working capital, invoice factoring or warehouse funding, submit a short, no‑obligation enquiry and we’ll introduce you to providers suited to your sector and situation. Start your free eligibility check and expect a response within hours.

At a glance

• Free, no‑obligation enquiry to match logistics businesses with lenders and brokers.
• Funding from £10,000 upwards — asset, invoice, working capital, bridging and property solutions.
• Focused on UK logistics: fleets, warehouses, 3PLs, couriers and transport operators.
• Get a free eligibility check in minutes — no immediate credit impact.

Funding Support Built for UK Logistics Operators

Running a logistics business today means managing rising fuel and insurance costs, keeping vehicles compliant with emissions and safety standards, and investing in driver retention and warehouse automation. These pressures can create sudden cashflow needs or require one‑off capital for fleet renewal and technology upgrades. Fast Business Loans is an introducer: we do not lend or provide financial advice, but we do connect you—quickly and confidentially—to lenders and brokers who specialise in logistics finance. Get started in minutes.

Why Logistics Businesses Are Turning to Specialist Finance

Logistics operators use external finance for a range of operational and strategic reasons:

• Fleet renewal & electrification: replacing older diesel trucks or adding EVs to comply with low emission zones.
• Warehouse investment & automation: racking, conveyors, WMS and robotics to increase throughput and reduce labour dependency.
• Seasonal cashflow: handling spikes in fuel, payroll or one‑off contract deposits without disrupting operations.
• Compliance & safety: new tachographs, trailer tracking, safety tech and driver training.

Logistics UK and industry reports highlight continued investment in automation and decarbonisation across the sector — if you need funding to respond to regulation or win new contracts, tailored finance can bridge the gap between plan and delivery.

Popular Finance Solutions for Logistics & Transport Companies

1. Asset & Vehicle Finance

Used to purchase or refinance HGVs, vans, trailers, forklifts and specialist equipment. Options include hire purchase and finance lease structures that preserve working capital and can be structured around useful economic lives of assets.

• Typical uses: new truck purchases, trailer replacements, forklift upgrades, EV fleet leasing.
• Benefits: spreads capital cost, potential VAT and tax benefits depending on structure.

2. Invoice Finance & Factoring

Unlock cash tied up in unpaid invoices to smooth payment cycles and pay for fuel, labour and parts without delaying growth.

• Typical uses: speed up cashflow when customers pay on 30–90 day terms.
• Benefits: immediate working capital, scalable with sales.

3. Working Capital & Cashflow Loans

Short to medium‑term loans to cover cyclical costs like fuel, seasonal labour or unexpected contract-related expenses.

• Typical uses: bridging gaps ahead of large contract settlements or fuel spikes.
• Benefits: quick access to funds, flexible repayment schedules.

4. Commercial Mortgages & Warehouse Finance

Finance for acquiring or refurbishing warehouses, depots and distribution centres. Lenders offer long-term finance based on property value and business cashflows.

• Typical uses: purchase, expansion, refinance of commercial property.
• Benefits: competitive rates for owner-occupiers with solid covenants.

5. Bridging & VAT Loans

Short-term bridging for deposit gaps, VAT liabilities or timing mismatches that would otherwise risk contracts or compliance.

• Typical uses: deliver a contract on time, cover customs or VAT payments.
• Benefits: fast funding for urgent needs (repay on refinance or invoice collection).

Funding sizes we help connect: typically from £10,000 to several million pounds, depending on product and provider. To compare options and find the best fit, compare logistics finance options now.

For an industry-level overview of finance types and sector insights, see our dedicated logistics pillar page on logistics business loans.

How Fast Business Loans Matches You with the Right Partner

1. Complete a short enquiry form (under 2 minutes) — include funding type, amount and brief business details.
2. We match your enquiry to specialist lenders and brokers that understand logistics and transport.
3. Matched partners contact you to discuss options and may request supporting documents.
4. You review offers and decide whether to proceed — there’s no obligation to accept.

Enquiries do not affect your credit file. We handle your data securely and only share it with partners who can support your request. Start your enquiry and a partner may contact you within hours.

Who Can Apply & What You’ll Need

Eligibility snapshot

• UK-based logistics and transport businesses (limited companies, LLPs, partnerships and PLCs).
• Funding needs from £10,000 upwards — for new equipment, fleet renewal, working capital or property.
• Trading history: options exist for established businesses and many lenders also consider newer operations case-by-case.

Documents & information commonly requested

• Basic company and director details (registration number, address, contact).
• Latest management accounts or VAT returns (if available).
• Fleet list, recent invoices or a debtor ledger (for asset/invoice finance applications).

Providing clear, accurate information speeds up matching and increases the likelihood of receiving suitable offers. Start your free eligibility check.

Why Logistics Operators Choose Fast Business Loans

• Sector-specific matching: introductions to lenders/brokers who understand logistics needs.
• Faster responses: quicker than many bank processes — many partners respond within hours.
• Support for complex cases: including refinancing, previous declines or unusual credit histories.
• Free and no obligation: our service costs you nothing to submit an enquiry.
• Personalised introductions: focused leads rather than mass mail-outs.

“Matched with a lender who understood our fleet replacement plan — finance in place within three weeks.” — Logistics client, 2024 (illustrative)

Get matched with logistics finance specialists and see what options are available for your business.

Transparent, Responsible Finance Introductions

Fast Business Loans is an introducer only — we connect businesses with lenders and brokers. We do not provide regulated financial advice or lend directly. Finance decisions, terms, rates and fees are set by the providers you are introduced to. Finance is typically subject to status and suitability checks. We aim to be clear, fair and not misleading in every communication; your enquiry will not affect your credit score unless a credit check is carried out by a provider at your request.

We take data protection seriously and only share your details with partners who may be able to help. For full details see our privacy policy and terms of use on the site.

Real‑World Logistics Funding Scenarios (Illustrative)

Regional haulier fleet upgrade — £250,000 asset finance

Challenge: older fleet failing to meet contract emission requirements. Solution: hire purchase package for Euro-6 and Euro‑VI replacements, structured to align repayments to contract cashflow. Outcome: compliant fleet, improved fuel efficiency and preserved working capital.

3PL warehouse automation — £400,000 mixed finance

Challenge: rising order volumes required automation but cashflow was tight. Solution: combination of equipment finance for conveyors and a short-term working capital facility to cover installation and training. Outcome: throughput improved, staffing costs reduced and margins recovered within 12 months.

Courier growth funding — £50,000 invoice finance + unsecured loan

Challenge: rapid growth left the business waiting on large B2B invoices. Solution: invoice factoring to unlock debtor cash plus a small unsecured loan for vehicle add-ons. Outcome: immediate liquidity, enabling new contracts to be serviced without delay.

Examples are illustrative only; actual outcomes and eligibility vary by provider and circumstance.

Logistics Finance FAQs

What loan sizes are typical for logistics firms?

We connect businesses to solutions from around £10,000 up to several million pounds depending on the product — asset finance, invoice finance and property loans scale differently.

Can I finance used HGVs or trailers?

Yes. Many lenders offer finance for used vehicles; terms depend on vehicle age, mileage and condition. Provide as much detail as possible in your enquiry to improve matching.

Is funding available if my credit history isn’t perfect?

Yes — some specialist lenders and brokers consider non‑standard profiles. Our partner panel includes providers experienced with complex cases; disclose issues up front so we can match appropriately.

How quickly can I expect funding?

Some facilities (invoice finance, asset finance deals) can be arranged within days or weeks; bridging and property finance may take longer. After your enquiry, partners typically respond quickly to begin due diligence.

Can we mix finance types (e.g., invoice + asset)?

Yes. Many businesses use blended finance to optimise cost and flexibility. Partners will advise what combinations are available for your situation.

Will applying through Fast Business Loans affect my credit score?

No — submitting an enquiry does not affect your credit file. Providers may conduct credit checks later if you decide to proceed, and they will advise you before doing so.

Are there fees to use Fast Business Loans?

The service of introducing you to lenders and brokers is free for business owners. Any fees or charges related to a finance product are set by the provider and will be disclosed by them.

Ready to Explore Your Logistics Finance Options?

What happens next:

1. Click “Start Your Free Eligibility Check” to complete the short enquiry form.
2. We match your details with lenders and brokers who specialise in logistics.
3. A partner contacts you to discuss tailored options and next steps.

Start Your Free Eligibility Check

Closing assurance & disclaimers

Fast Business Loans is an introducer that connects UK logistics businesses with lenders and brokers. We do not provide finance, lend money or give regulated financial advice. Finance is subject to status and providers’ terms and conditions; rates and fees are set by the lender or broker. Use of our service is free and without obligation. By submitting an enquiry you agree to our terms and privacy policy. Outcomes vary and the examples above are illustrative only.

If you’d like help right away, complete the quick form and we’ll match you with the most suitable lenders and brokers for your logistics business: Get Quote Now.

1) What are logistics business loans and how does Fast Business Loans help UK transport companies access them?
We’re an introducer that quickly and free of charge matches UK logistics and transport firms with specialist brokers and lenders for asset, invoice, working capital, property and bridging/VAT finance.

2) What funding amounts are available for logistics companies?
We connect businesses to finance from £10,000 upwards to several million, depending on the product and provider.

3) Will filling out the enquiry form affect my credit score?
No—submitting an enquiry does not affect your credit file; any credit checks happen later with a provider and only with your consent.

4) How fast can logistics finance be arranged?
Partners typically respond within hours, with some asset or invoice facilities completing in days or weeks and property deals taking longer.

5) Which finance options are most popular for logistics and transport businesses?
Common solutions include asset and vehicle finance (HGVs, vans, trailers, forklifts), invoice finance/factoring, working capital loans, commercial mortgages/warehouse finance, and bridging/VAT loans.

6) Who is eligible to apply for logistics finance through Fast Business Loans?
UK-based logistics operators (limited companies, LLPs, partnerships and PLCs) seeking £10,000+ for fleet, equipment, cashflow or property can enquire, with newer businesses considered case-by-case.

7) Can I finance used HGVs, trailers or warehouse equipment?
Yes—many lenders fund used assets, with terms based on age, mileage, condition and the details you provide.

8) Can I still get funding with imperfect credit or after a previous decline?
Often yes—our specialist panel includes lenders who consider complex cases when issues are disclosed upfront.

9) What documents will lenders usually ask for?
Expect basic company and director details, recent management accounts or VAT returns, and for asset or invoice finance, a fleet list plus invoices or a debtor ledger.

10) Is the enquiry an application, and does it cost anything to use your service?
It’s a free, no‑obligation enquiry used to match you with suitable lenders and brokers, not a loan application.