Logistics Business Loans: Fast Funding Options for UK Transport & Supply Chain Firms
Summary: Logistics businesses face rising fuel, fleet renewal and warehousing costs that can pinch cashflow. Fast Business Loans connects UK transport and logistics companies with lenders and brokers who specialise in vehicle, asset, working capital and invoice finance. We don’t lend money — we match your business with the best providers so you can get tailored quotes quickly. Start a Free Eligibility Check to see what you might qualify for in minutes.
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.
Free Eligibility Check — complete our short enquiry and get matched to suitable lenders and brokers.
Why Logistics Businesses Need Smart Finance Now
Logistics operators are navigating higher fuel bills, ISO/operational compliance costs, driver shortages and seasonal swings in demand. Even small delays in payment from large customers can create acute cashflow shortfalls that impact routes, SLAs and your ability to renew vehicles and technology.
That’s why having the right finance in place matters: the correct facility keeps fleet uptime high, avoids contract penalties and supports growth. If you need help identifying the right solution, 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.
How Fast Business Loans Helps Logistics & Transport Firms
Fast Business Loans is an introducer: we don’t provide loans or give regulated financial advice. Instead, we connect your company with UK lenders and brokers who specialise in transport and logistics finance.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our matching approach is simple and sector-aware: you tell us what you need (vehicle purchase, working capital, invoice finance, property bridge), we match you to partners who typically deal with similar businesses and loan sizes — and they contact you with options.
- Service is free & no obligation
- Loan sizes we commonly arrange: £10,000 upwards
- Faster matching — partners often respond the same day
Match Me with Lenders → Free Eligibility Check
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Finance Products Popular with Logistics & Transport Operators
Choose the facility that fits your route-to-growth. Our partners cover a wide range of options:
| Finance Type | Typical Use Cases | Typical Amounts | Security |
|---|---|---|---|
| Working Capital & Cashflow Loans | Cover fuel spikes, driver wages, customs fees | £10k–£500k | Often unsecured / personal guarantees |
| Asset & HGV Finance (HP & Lease) | Buy new HGVs, trailers, forklifts | £25k–£2m+ | Asset-backed |
| Invoice Finance | Unlock cash from 30–120 day invoices | £50k–£3m | Ledger assignment |
| Bridging & Short-Term Loans | Depot purchase or quick expansion | £100k–£5m | Property-backed |
| Equipment & Tech Leasing | Telematics, racking, automation | £10k–£750k | Lease agreements |
| Sustainable Fleet Funding | EV trucks, chargers, green upgrades | £50k–£2m+ | Often supported by grants |
Working capital & cashflow loans
Short-term loans designed to plug gaps between paying suppliers and receiving payment from customers. Pros: quick decisions, unsecured options available. Cons: higher rates than asset-backed finance.
See if your business qualifies — Free Eligibility Check
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Asset & HGV finance
Purchase new or used vehicles and spread the cost. Asset finance can offer competitive rates for well-maintained fleets and may include VAT funding options. Typical turnaround: days–weeks depending on checks and delivery schedules.
Invoice finance
Release cash tied up in unpaid invoices. Useful for hauliers and freight forwarders serving large corporates with long payment terms. Pros: immediate liquidity, scalability. Cons: facility fees and ongoing management.
Who We Help in the Logistics Ecosystem
We match businesses across the logistics sector, including:
- Regional haulage companies and HGV fleets
- Courier and last-mile delivery operators
- Freight forwarders and customs brokers
- 3PL warehouses, cold chain logistics and pallet networks
- Port services, forklift fleets and depot owners
From SMEs upgrading a few vehicles to larger operators planning depot expansion, we can connect you to lenders and brokers who frequently work in the sector.
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.
What Lenders Look For (Eligibility Snapshot)
Core requirements
- Time trading — many lenders prefer 12+ months trading, though specialist lenders may consider newer companies with solid contracts.
- Turnover bands — facility options vary by turnover and contract pipeline.
- Evidence of contract work, operator licences (if applicable), and consistent invoicing.
Documents you’ll typically need
- Latest management accounts or VAT returns
- Aged debtor lists (for invoice finance)
- Asset register and vehicle details
- Contracts or purchase orders
Tips to strengthen your case
- Keep DVSA and operator compliance up-to-date
- Present clear fuel and maintenance cost plans
- Highlight long-term contracts and repeat customers
- Showcase any ESG improvements (e.g., steps toward an electric fleet)
Note: the above is indicative – final decisions and terms are set by lenders.
The Fast Business Loans Matching Process
- Complete our 2-minute enquiry form with basic business and funding details.
- We intelligently match your request to sector-aware brokers and lenders.
- A partner will call or email — expect contact within hours during business days.
- Compare offers and decide; there’s no obligation to accept any quote.
No hard credit search is carried out when you enquire. Lenders may run credit or other checks if you progress to application.
Costs, Rates & Repayment Considerations
What influences pricing
Rates depend on facility type, business credit profile, asset condition, contract length, and security offered. Specialist transport lenders price according to vehicle age, mileage and depreciation forecasts.
Indicative rate ranges (illustrative only)
- Unsecured business loans: from around 8% APR (subject to lender assessment)
- Asset & vehicle finance: from around 4% APR depending on deposit and term
- Invoice finance: fees vary (advance rates and discount fees) — discuss specifics with brokers
These examples are illustrative. Request bespoke illustrations from matched providers to understand repayments, fees and any early repayment charges.
Scenario Snapshots
Regional haulier upgrades fleet
Challenge: ageing trucks causing unplanned downtime. Solution: £350,000 asset finance arranged via specialist vehicle lender. Outcome: modernised fleet, lower maintenance costs and improved route reliability. Turnaround: 10 days from enquiry to finance approval.
3PL needs working capital for seasonal peak
Challenge: seasonal contract required extra temporary labour and storage. Solution: short-term working capital facility to cover peak payroll and warehousing. Outcome: met contractual obligations and retained major client. Turnaround: funds available in under a week.
These are anonymised examples; individual results vary.
Why Choose Fast Business Loans for Logistics Funding Support
We specialise in connecting logistics businesses with lenders and brokers who understand the sector. Key benefits:
- Sector knowledge — we match you to partners familiar with transport finance nuances
- Wide lender panel — increasing your chance of a suitable offer
- Fast response — partners often contact you within hours
- Secure handling of your data and clear processes
Frequently Asked Questions
- Is Fast Business Loans a lender?
- No. We introduce businesses to lenders and brokers. We do not provide loans or regulated financial advice.
- Will an enquiry affect my credit score?
- Submitting an enquiry does not trigger a hard credit search. Lenders or brokers may perform checks if you proceed with an application.
- How quickly can logistics businesses receive funding?
- Times vary: asset finance can complete in under a week; unsecured loans or invoice facilities can be arranged in 24–72 hours once documents are provided; larger secured facilities may take longer.
- Can start-ups or newly licensed operators apply?
- Yes. Some specialist partners consider newly licensed operators with strong business plans, deposit funding or contract evidence.
- What if I’ve had a CCJ or been declined before?
- We work with a broad panel, including niche lenders who understand sector challenges. A prior decline does not necessarily rule you out — submit an enquiry to see who may consider your case.
- Are green or low-emission fleets eligible for incentives?
- Yes — some lenders and brokers specialise in sustainable fleet funding and can advise on grants or preferential rates. Discuss options when matched.
If you don’t see your question above, contact us via the enquiry form and we’ll connect you to the right partner.
Tools & Resources for Logistics Operators
Helpful resources you may wish to consult:
- DVSA — operator & vehicle compliance guidance
- Logistics UK — industry guidance and membership resources
- MoneyHelper — impartial financial guidance
For government grants and green vehicle schemes, check the relevant government pages and discuss eligibility with matched brokers.
Start Your Logistics Finance Enquiry
Ready to explore funding for your fleet, depot or working capital? Complete our short enquiry and we’ll match you with lenders and brokers who specialise in logistics. It takes under two minutes and won’t affect your credit score.
Important information & disclosure
Fast Business Loans is an introducer that connects businesses with lenders and brokers. We are not a lender and we do not provide regulated financial advice. All finance is subject to status, terms and lender assessment. Ensure repayments are affordable — missed payments can affect your business and may lead to repossession of assets. For impartial guidance on money matters, visit MoneyHelper.
For more sector-focused guidance, see our logistics finance resource: logistics business loans.
– What logistics business finance options are available in the UK?
You can access working capital loans, asset and HGV finance (HP/lease), invoice finance, bridging loans, equipment/tech leasing, and sustainable fleet funding via our matched partners.
– How fast can a transport or logistics company get funding?
Decisions can arrive in 24–72 hours once documents are supplied, with many asset finance deals completing in under a week.
– Will the Free Eligibility Check affect my credit score?
No — it’s an enquiry (not a loan application) and doesn’t trigger a hard search; checks may occur only if you proceed with a lender.
– Do you support start-ups or newly licensed operators?
Yes — some specialist lenders will consider newer firms with solid plans, deposits, or contract evidence.
– What loan amounts and rates can logistics firms expect?
Typical amounts range from about £10k to £5m+, with unsecured loans from around 8% APR, asset finance from around 4% APR, and invoice finance priced via facility fees and discount rates.
– What documents do lenders usually ask for?
Expect recent management accounts or VAT returns, contracts or purchase orders, asset/vehicle details, and aged debtor lists for invoice finance.
– Can I get funding if I’ve been declined elsewhere or have a CCJ?
Often yes — our broad panel includes niche transport lenders who assess cases on their merits.
– Do I need security for a logistics business loan?
Some facilities are unsecured with personal guarantees, while vehicle, equipment, or property-backed options use the asset as security.
– Do you help with green or low-emission fleet finance?
Yes — we match firms to lenders experienced in EV trucks, chargers, and other sustainable upgrades, including potential grants.
– How does Fast Business Loans work and what does it cost?
Complete a 2-minute enquiry, we match you to suitable UK lenders/brokers who contact you with options, and the service is free with no obligation to proceed.