Logistics Business Loans: Fast Funding for UK Transport & Supply Chain Firms

Summary: Fast Business Loans helps UK logistics, haulage and transport businesses find finance solutions from £10,000 upwards by matching enquiries with lenders and brokers who specialise in fleet finance, invoice finance, working capital and property funding. Our quick, confidential enquiry is not a loan application — it’s a free eligibility check to connect you with the best providers for your needs. Get Started Free Eligibility Check

Why UK Logistics Companies Need Flexible Finance Now

The logistics sector faces rising operating costs, supply chain volatility and a demand spike for faster delivery and greener fleets. Fuel price fluctuations, driver shortages and tighter margins put pressure on working capital and investment plans. Many operators are balancing day-to-day cash flow with the need to modernise fleets and warehousing to stay competitive.

Result: firms often need finance to smooth cash flow, buy or lease vehicles, upgrade depots, or bridge timing gaps between delivery and payment. Fast access to the right lender can make the difference between winning new contracts and missing opportunities.

Speak to a logistics finance specialist — Free Eligibility Check

Where Funding Helps Logistics & Transport Operators

Finance is commonly used across logistics operations. Typical uses include:

• Fleet acquisition or replacement (HGVs, vans, electric vehicles)
• Fleet conversions to low-emission vehicles and charging infrastructure
• Trailer and equipment finance (trailers, forklifts, telematics hardware)
• Working capital to cover payroll during seasonal peaks
• Invoice finance to unlock cash tied up in customer payments
• Warehouse purchase, fit-out, automation and racking systems
• Regulatory upgrades (clean air zone compliance, safety equipment)
• Bridging finance while awaiting grant or contract payments

These investments often deliver clear ROI — reduced downtime, lower fuel costs (EVs), higher utilisation and new contract capacity. If you want practical routes to funding, explore logistics business loans matched to your needs with our help.

Read more about logistics sector finance at our specialist hub on logistics business loans: logistics business loans.

Finance Solutions We Can Arrange Through Our UK Panel

Fast Business Loans doesn’t lend. We match you with lenders and brokers who specialise in the following products — each suitable for different needs and timeframes:

Working Capital Loans & Merchant Cash Advances

Best for short-term cash flow. Typical sizes we arrange: £10k–£500k. Repayment terms vary; MCA repayments are linked to card receipts, while term loans have set monthly payments.

Asset & Equipment Finance (Hire Purchase & Leasing)

Used to buy vehicles, trailers or material-handling equipment. Hire purchase builds ownership; leasing preserves balance sheet flexibility. Typical funding for single vehicles to full-fleet upgrades.

Invoice Finance & Supply Chain Finance

Factoring or invoice discounting unlocks cash tied in unpaid invoices — useful when customers have 30–120 day payment terms. Ideal for carriers undertaking large contracts or 3PLs managing client billing cycles.

Commercial Mortgages & Bridging Finance

For depot or warehouse purchase, refinancing or short-term bridging while completing a sale. Terms and security depend on property type and lender criteria.

Specialist Solutions

Trailer and telematics finance, fuel credit facilities, sustainability project bridging (for EVs, solar, chargers), and grant-top-up finance.

Compare multiple loan offers without affecting your credit score — Free Eligibility Check

How Fast Business Loans Supports Logistics Firms — Our Process

1. Quick enquiry: complete a short form (2 minutes). This is an enquiry to match you with lenders — not a formal application.
2. Sector-specific matching: we match your details to lenders and brokers experienced in logistics and transport.
3. Rapid contact: matched partners call or email with offers or follow-up questions. You choose who to speak with.
4. Proceed with the lender: once you select an offer you like, you work directly with the lender or broker to complete the application and documentation.

We only share your details with carefully selected partners relevant to your enquiry. Your enquiry won’t affect your credit score and is free and without obligation.

Eligibility Checklist & Documents to Gather

Key qualifying factors

• Company type: Limited companies and SMEs (we organise loans from £10,000 upward).
• Trading history: many lenders prefer 6+ months trading; some panel lenders will consider newer businesses with contracts or strong projections.
• Turnover & profitability: depends on product — lenders assess affordability and covenant strength.
• Credit profile: options exist for businesses with imperfect credit, though terms may differ.

Documents lenders typically request

• Latest management accounts (or last 12–24 months accounts where available)
• Bank statements (usually 3–6 months)
• Ageing debtor list / customer contracts (for invoice finance)
• Asset schedule / vehicle list (for asset finance)
• Proof of identity and address for directors
• Property details and valuations (for commercial mortgages)

Providing accurate, up-to-date information speeds the matching and underwriting process. Final lending decisions and document requests are made by the lender or broker you choose to proceed with.

Example Funding Scenarios (Indicative)

1. Haulage fleet upgrade
Challenge: ageing Euro 5 vehicles and new contracts requiring Euro 6 spec. Solution: £250,000 asset finance package across 6 vehicles. Time to funds: equipment sourced and funding completed in 4–6 weeks. Outcome: compliant fleet, improved uptime, new contracts secured.

2. 3PL warehouse automation
Challenge: winning a large e-commerce contract required automation but cash tied up in invoices. Solution: invoice finance plus a £500k bridging facility for automation equipment. Time to funds: invoice facility live in days; bridging agreed in 2–3 weeks. Outcome: increased throughput and client retention.

3. Courier expansion
Challenge: seasonal demand spike required working capital for temporary staff and depot rental. Solution: £80k short-term working capital loan. Time to funds: funds disbursed in under 72 hours. Outcome: maintained service levels and captured new regional accounts.

Your business is next — start your free eligibility check

Benefits of Working with Fast Business Loans

• Free, no-obligation matching — we introduce you to specialists who understand logistics.
• Save time — one short enquiry connects you to multiple suitable lenders and brokers.
• No impact on your credit score from the initial enquiry.
• Sector expertise — partners familiar with fleet finance, warehouse lending and invoice finance.
• Transparent — you choose whether to proceed with any quote you receive.

Remember: Fast Business Loans is an introducer. We do not provide loans or regulated financial advice — lenders set terms and make final lending decisions.

Understanding Costs, Terms & Risks

Costs vary by product and lender. Indicative ranges (subject to lender pricing):

• Working capital loans: interest rates and arrangement fees vary; unsecured options typically carry higher costs.
• Asset finance: competitive APRs where equipment provides security; hire purchase may include a deposit and term-specific repayments.
• Invoice finance: fees are usually a percentage of the invoice value plus a service fee; advance rates depend on customer creditworthiness.

Security and personal guarantees: many lenders require business assets (vehicles, property) as security. Personal guarantees may be requested for certain facilities — check these terms carefully. Always consider affordability: make sure repayments are sustainable and model cash flow accordingly.

Compliance note: we do not provide regulated financial advice. Use lender documentation and, if needed, speak to a qualified adviser for tailored guidance.

Start Your Free Logistics Finance Eligibility Check

Ready to explore options? Here’s how it works:

1. Click the link and complete a short enquiry (takes under 2 minutes).
2. We match your business with lenders and brokers who specialise in logistics finance.
3. Matched partners contact you with quotes or follow-up questions. No obligation to proceed.

Get Started — Free Eligibility Check

Logistics Finance FAQs

Still unsure? Click Get Quote Now to submit a short enquiry — it’s quick, confidential and without obligation.

– How does the Fast Business Loans process work for logistics business loans? Complete a 2‑minute online enquiry, we match you with UK logistics finance lenders/brokers, they contact you with options, and you choose whether to proceed—no obligation.
– How much can UK logistics, haulage or transport firms borrow? Funding typically ranges from £10,000 up to multi‑million facilities depending on the product, security and affordability.
– How quickly can logistics businesses receive funding? Depending on the product and documents, some working capital or invoice finance can fund in 24–72 hours, asset finance often completes in a few days to weeks, and commercial mortgages take longer due to valuations.
– Does the eligibility check affect my credit score or count as a loan application? No—the form is a free eligibility check, not a loan application, and it doesn’t affect your credit score; formal checks only occur if you proceed with a lender.
– Do you support start-ups or newer logistics businesses? Yes—newer logistics firms can be considered, especially with signed contracts, purchase orders or strong projections.
– Can I get logistics finance with imperfect credit? Yes—some panel lenders consider businesses with imperfect credit if affordability and contracts stack up, though pricing and limits may differ.
– What types of finance can you arrange for logistics and transport operators? We can match you to working capital loans and merchant cash advances, asset and fleet finance (hire purchase or leasing), invoice finance, commercial mortgages, bridging finance, and specialist trailer, telematics and sustainability funding.
– Will I need to provide security or a personal guarantee? Many facilities are secured against vehicles, equipment or property and some lenders may ask for personal guarantees, while unsecured options exist at lower limits or higher cost.
– What documents do lenders typically require from logistics firms? Typically you’ll need recent management accounts, 3–6 months’ bank statements, an ageing debtor list or contracts (for invoice finance), an asset/vehicle schedule (for asset finance), director ID/address, and property/valuation details for mortgages.
– What are the typical costs and terms for logistics business finance? Costs vary by product and lender: working capital loans typically run 1–5 years, asset finance 2–7 years secured on the asset, invoice finance fees are a percentage of invoice value, and commercial mortgages can span 5–25 years.