Logistics Business Loans & Finance in the UK

Summary: If your haulage, distribution, last‑mile or warehousing business needs funding, Fast Business Loans can quickly match you with specialist brokers and lenders. We’re a free, no‑obligation introducer — not a lender — and we help operators access loans and finance facilities from approximately £10,000 upwards for fleet, working capital, invoice funding, property and green upgrades. Start a Free Eligibility Check and get matched with providers who understand logistics.

Get Started – Free Eligibility Check

Why logistics operators seek funding

Operating in logistics is capital intensive and frequently unpredictable. Common financial pressures include:

• Fuel price volatility and driver cost pressures
• Fleet renewal (HGVs, vans, refrigerated units) and maintenance
• Warehouse expansion, racking and cold‑chain investment
• IT, telematics and warehouse management system upgrades
• Seasonal cashflow gaps or delayed customer payments
• Compliance or safety upgrades and licence-related costs

Whether you need short-term working capital to handle seasonal peaks or long-term asset finance to replace your fleet, the right product depends on timing, security and tax considerations. Check Your Eligibility in Minutes with a free enquiry to see which solutions fit your business.

Fast Business Loans: how our free matching service works

1. Quick enquiry form: Tell us about your business and funding need (takes a few minutes). Submitting an enquiry does not impact credit scores.
2. Intelligent matching: We connect you with vetted brokers and lenders who have experience with logistics and transport finance.
3. Tailored conversations: Partners contact you with suitable options, indicative ranges and next steps.
4. No obligation: You compare offers and choose whether to proceed directly with a lender or broker.

We’re free to use for businesses and only act as an introducer — not a lender or financial adviser. Get Quote Now to start a Free Eligibility Check.

Finance options commonly used in the logistics sector

Below are the principal finance routes logistics businesses use. Amounts and terms are indicative — lenders set rates and conditions based on your business circumstances.

Working capital loans

Short-to-medium term loans to smooth cashflow, cover immediate operating costs or support seasonal hiring. Typical sizes: £10,000–£500,000+. Repayment: 6 months to 5 years (depending on lender).

Asset & vehicle finance

Hire purchase, finance leases and chattel mortgages for HGVs, vans, trailers and refrigeration units. Typical funding covers part or all of the vehicle cost; terms commonly 2–7 years. Security normally taken over funded assets.

Invoice finance & factoring

Unlock cash tied up in unpaid invoices. Factors advance a percentage of invoice value (often 70–90%) and handle collections if required. Useful for businesses with long payment cycles or rapid growth.

Bridging loans / property-backed finance

Short-term funding to bridge purchase or renovation of depots, warehouses or yard land. Usually secured on property; interest and fees vary by provider.

Refinance & debt consolidation

Combine multiple facilities to reduce monthly pressure, lower overall cost or extend term—often used after contract losses or during restructuring.

Sustainability / green fleet finance

Specialist packages to fund EVs, charging infrastructure or cleaner refrigeration units. May include government grants or incentives depending on scheme availability.

Compliance note: Rates and terms depend on your business. Lenders provide full details when you progress.

Funding use cases for logistics businesses

Regional haulier replacing older HGVs

Problem: Rising maintenance bills and downtime. Solution: Asset finance (hire purchase) to spread cost of new vehicles across fixed monthly payments. Outcome: Reduced breakdowns, improved reliability and predictable cashflow.

Last‑mile delivery startup facing rapid growth

Problem: More invoices than cash in the bank. Solution: Invoice factoring to access up to 90% of invoice value instantly. Outcome: Immediate liquidity to hire drivers, buy vans and meet peak demand. See your finance matches – Start Your Enquiry

Cold chain operator expanding warehouse capacity

Problem: Need for racking, refrigeration and fit-out. Solution: A mix of property-backed finance and equipment finance. Outcome: Faster expansion without draining working capital.

Eligibility checklist & documentation

Common eligibility factors

• Company trading history and turnover — established businesses are easier to place, but some partners support growing operations.
• Profitability and margins — important for unsecured facilities.
• Asset values — used to secure vehicle and equipment finance.
• Director credit profiles — may affect pricing and security requirements.

Typical information requested

• Company name, registration number and trading address
• Amount required and purpose of funds
• Recent bank statements and management accounts
• Details of fleet or assets to be financed
• Projected cashflow or business plan for growth-stage funding

Exact criteria differ between lenders. Our partners will advise the documents required once you submit a short enquiry. Free Eligibility Check

Comparing logistics lenders: what to ask before you commit

When reviewing offers, use this checklist:

• Total cost (interest, arrangement and ongoing fees)
• Security required (personal guarantee, vehicle or property charge)
• Repayment flexibility and early repayment charges
• Turnaround time from application to funding
• Experience in logistics and relevant asset types
• Customer support and collections approach

Discuss any questions with your matched broker for clarity — they can explain trade-offs and negotiate terms on your behalf. If you’re ready to compare offers, Get Quote Now.

Why use Fast Business Loans for logistics finance?

Sector knowledge

We match you with partners experienced in haulage, distribution, refrigerated transport and warehousing so you avoid generic offers that don’t suit the sector.

Speed & efficiency

Our enquiry process is simple and takes minutes. Many businesses receive contact from lenders or brokers within 24 hours.

Transparent & free

There’s no fee to use our service and no obligation to accept any offer. We are an introducer — we do not provide regulated financial advice or lending ourselves.

Secure & privacy-focused

Your details are shared only with relevant partners who can help. See our privacy policy for full details on how information is handled.

Learn more about specialised funding for distribution and transport on our dedicated pillar page about logistics business loans.

Step-by-step: from enquiry to funding

1. Submit enquiry: Same day — complete our short form.
2. Matching: Within 24 hours — we introduce you to suitable partners.
3. Offers & negotiation: 1–7 days — receive indicative terms, finalise security and paperwork.
4. Funding: From a few days for simple unsecured loans to longer for property-secured facilities.

Timelines vary by product, lender diligence and speed of document submission.

Logistics Finance FAQs

Ready to explore logistics funding options?

Fast Business Loans helps you reach brokers and lenders who understand the unique demands of logistics. It’s quick to start and there’s no obligation. Complete a short enquiry today and get matched with providers who can give you a tailored quote.

Complete Your Free Enquiry

No commitment. No fee. Just matched finance partners.

Disclaimers & compliance notes

Fast Business Loans is an introducer that connects UK businesses with lenders and brokers. We do not lend money or provide regulated financial advice. Finance is arranged by third‑party brokers and lenders who set eligibility, rates and terms; all offers are subject to status and lender credit assessment. If you are unsure about any product, consider seeking independent financial advice. Your details are handled in accordance with our privacy policy and are shared only with relevant finance partners.

– What can logistics funding be used for? It can cover fleet purchases (HGVs, vans, trailers, refrigerated units), warehouse fit‑outs, IT/telematics, working capital, invoice funding, and sustainability upgrades.

– How does Fast Business Loans help logistics and transport firms get finance? We’re a free, no‑obligation introducer that matches your enquiry to vetted UK brokers and lenders who understand logistics.

– What loan amounts are available for logistics businesses in the UK? Partners typically arrange facilities from around £10,000 upward, with larger secured deals available subject to status.

– How fast can I get a logistics business loan or facility? Many firms get an initial response within 24 hours and simple facilities can fund in a few days, while property‑backed finance usually takes longer.

– Will submitting an enquiry affect my credit score? No—an enquiry through Fast Business Loans doesn’t affect your credit score, and formal checks only happen if you proceed with a lender.

– Do you support haulage start‑ups or companies with limited trading history? Some partners consider newer businesses where there’s sector experience, a viable plan, or additional security.

– What security is typically required for fleet or warehouse finance? Lenders may take a charge over vehicles/equipment, a debenture over assets, property security for larger deals, and sometimes a personal guarantee.

– Can invoice finance help with long shipper or retailer payment terms? Yes—invoice finance can release around 70–90% of invoice value upfront to smooth cash flow.

– Can I finance electric HGVs/vans and charging infrastructure? Yes—specialist green fleet finance and leasing are available for EVs, charging and cleaner refrigeration units, sometimes alongside grants.

– What documents will I need for logistics finance? Expect basic business details, recent bank statements, management accounts, details of the assets or invoices, and where relevant a cash‑flow forecast or plan.