Vehicle Finance for UK Businesses – Fast, Fair, Flexible

Summary: Fast Business Loans connects UK companies with lenders and brokers to arrange vehicle finance from around £10,000 upwards — for vans, HGVs, electric vehicles and whole fleets. We don’t lend money; we match your business to the most suitable providers so you can compare offers quickly. Submitting an enquiry is free, non-binding and won’t affect your credit score.

Compare offers quickly • Specialist lenders for vans, HGVs and EVs • Free eligibility check — no obligation

Get My Free Vehicle Finance Match

We introduce you to trusted lenders and brokers. Submitting an enquiry won’t affect your credit score. This is an introducer service — we do not lend money or offer regulated advice.

Why vehicle finance matters for growing UK businesses

Vehicles are core to many UK businesses — for deliveries, services, site work and logistics. Choosing the right finance structure preserves working capital, spreads cost, and can accelerate fleet upgrades (including switching to electric). Rather than buying outright, flexible finance helps you replace ageing vehicles, add capacity during busy periods, or free up cash by refinancing existing assets.

• Upgrade a single van without large upfront cost.
• Expand a delivery fleet to take new contracts.
• Transition to electric vehicles while managing cashflow and grants.

Start your free eligibility check

How Fast Business Loans helps you secure the right vehicle finance

We’re an introducer, not a lender

Fast Business Loans is a connector: tell us your needs and we’ll introduce you to lenders or brokers who specialise in vehicle and fleet finance. We don’t provide lending, nor do we give regulated financial advice — our role is to match you with providers who can help.

Our 4-step matching process

1. Complete a short enquiry describing your business, vehicle type and funding required (takes under 2 minutes).
2. We review and match your enquiry to lenders/brokers that specialise in the vehicle type and sector.
3. Matched partners contact you to discuss terms and request documents if needed.
4. Compare offers, decide which provider works best for you, and proceed directly with them.

Typical response times vary by partner and complexity, but many businesses hear back within hours during business hours. Get Quote Now

Vehicle finance solutions we can help you access

Our panel includes brokers and lenders that offer a range of commercial vehicle funding options. Which is best depends on your cashflow, tax position and how long you plan to keep the vehicle.

Hire Purchase (HP) & Conditional Sale

• Typical for businesses wanting to own the vehicle at the end of the term.
• Flexible deposits and term lengths; monthly payments reduce capital balance.

Finance Lease & Operating Lease

• Leases can be better for businesses wanting predictable monthly payments and avoiding residual value risk.
• Operating leases often used for fleet management and frequent replacement cycles.

Fleet Finance & Multi-vehicle Agreements

• Structured deals for buying or replacing multiple vehicles — often negotiated for better rates and service packages.

Refinancing existing vehicles

Release cash tied up in owned vehicles or restructure costly existing finance to improve monthly cashflow.

Green & electric vehicle funding

Specialist brokers can combine finance with grants and incentives where available — useful when planning an EV transition.

Remember: exact terms, deposits and rates depend on lender assessment. We’ll introduce you to partners suited to your needs so you can compare real offers.

For more detail on vehicle-specific products and how they compare, see our pillar resource /vehicle-finance.

Who our vehicle finance network supports

We match incorporated businesses and SMEs across many sectors that rely on vehicles, for example:

• Logistics and courier companies
• Trades and contractors (multi-van fleets)
• Care & community transport providers
• Retailers and delivery services
• Commercial operators requiring HGVs or specialist vehicles

Eligibility factors lenders typically consider include time trading, turnover, VAT status and credit history. If you need under £10k, this page may not be suitable — we specialise in vehicle funding from around £10,000 and upwards.

Free Eligibility Check

What lenders look for — preparing your enquiry

Good preparation speeds up decisions. Typical checklist items lenders or brokers ask for:

• Recent management accounts or last full-year accounts (or projections when appropriate)
• Business VAT returns (if applicable) and bank statements
• Details of the vehicle(s): make, age, mileage, intended use and supplier quotes
• Existing finance agreements and monthly commitments
• Director details and any previous finance history

Practical tips: gather vehicle specifications and supplier invoices before you start; be clear on how long you expect to keep the vehicle; consider whether you want ownership at term end. Some lenders may ask for personal guarantees — these are common in commercial finance and should be understood before you sign.

Costs, terms and rates explained

Terms and rates vary by product and credit profile. Below is a simple illustration (indicative only):

Rates depend on lender risk appetite and the business profile; always review the total cost and any fees. Representative APRs will be provided by the lender once they assess your circumstances.

Step-by-step: from enquiry to driving away

1. Complete our short enquiry form — it’s not an application and won’t affect your credit score.
2. Matching: we introduce your details to selected brokers/lenders likely to help.
3. Intro call/email: the matched partner contacts you, asks for documents and refines terms.
4. Approval & paperwork: lender issues an offer; you review and accept terms directly with them.
5. Vehicle delivery / collection arranged with your supplier.

Typical turnaround: simple HP or lease for a single vehicle can be arranged in days; fleet or bespoke arrangements may take longer. Timescales depend on valuers, supplier lead times and lender processes.

Social proof & trust signals

Real outcomes (anonymised)

• “North West courier secured £150,000 to add six vans within 5 days.”
• “Regional contractor refinanced a fleet and reduced monthly costs by restructuring terms.”

Why businesses use Fast Business Loans

• Quick matching to specialist lenders and brokers
• Clear, no-cost, no-obligation enquiry
• Sector-focused introductions to providers who understand vehicle finance

Frequently asked questions

Can I get vehicle finance if my business is less than 12 months old?

Some lenders consider younger companies, especially where directors have relevant trading history or solid projections. Complete our free enquiry and we’ll match you with partners who consider early-stage businesses.

What types of vehicles can be financed?

Vans, light commercial vehicles, HGVs, plant and specialist vehicles — and electric/hybrid commercial vehicles. Funding is available for new and used vehicles, subject to lender terms.

Will applying affect my credit score?

No. Submitting an enquiry via Fast Business Loans does not trigger a credit check. A lender or broker may request a search only if you choose to proceed with their offer.

Do I need a deposit?

Deposit requirements vary by product, vehicle age and credit profile. Many offers start from low deposits; some lease agreements require no upfront deposit. The matched lender will confirm requirements.

How fast can funding be arranged?

Simple finance for a single vehicle can sometimes be completed within a few days. Fleet or bespoke finance takes longer. Timescales depend on document turnaround, valuation and supplier lead times.

What if I’ve been declined elsewhere?

Because we match you to multiple specialist partners, a declined application with one lender doesn’t mean all doors are closed. Complete our enquiry and we’ll look for alternative providers suited to your profile.

Does Fast Business Loans charge business owners any fees?

No. Our matching service is free for business owners. You only pay fees or charges if you accept a lender’s financed offer and those are agreed directly with the provider.

Ready to explore your vehicle finance options?

If you’re planning a vehicle purchase, fleet upgrade or refinancing and you need funding from around £10,000 and upwards, we can help you compare offers quickly. Complete our short enquiry and we’ll match you to lenders and brokers who specialise in commercial vehicle finance.

Get Your Vehicle Finance Quote

Takes under 2 minutes. Free, secure and no obligation. Fast Business Loans acts as an introducer: we do not lend money or provide regulated financial advice. We share your details only with selected finance partners to help match you to suitable solutions.

– What does Fast Business Loans do for vehicle finance?
We’re an introducer that matches UK businesses with trusted vehicle-finance lenders and brokers; we don’t lend or give regulated advice.

– Will submitting a vehicle finance enquiry affect my credit score?
No—our enquiry is a free, no-obligation match and doesn’t trigger a credit search; checks only happen if you proceed with a lender.

– What’s the minimum amount I can finance through your service?
We typically help arrange vehicle finance from around £10,000 and above.

– Which types of vehicles can be financed?
Vans, LCVs, HGVs, plant/specialist vehicles, and electric or hybrid commercial vehicles—new or used, subject to lender criteria.

– What vehicle finance options can you help me compare?
Our partners offer hire purchase/conditional sale, finance and operating leases, fleet finance, refinancing, and specialist green EV funding.

– How quickly could I get matched and funded?
Most businesses hear from matched partners within hours to a few working days, with straightforward single-vehicle deals often completed in days.

– Do I need a deposit for vehicle finance?
Deposit requirements vary by product and profile, but many HP and lease options start with low or even no deposit.

– Can you help start-ups or businesses with imperfect credit?
Yes—several partners consider younger businesses and imperfect credit, especially with relevant history or strong projections.

– What rates and terms are available?
Rates and terms depend on your profile, vehicle and product type, with typical terms of 2–5 years and APRs confirmed by the lender after assessment.

– Do you charge any fees, and is the enquiry an application?
The enquiry is a simple information form for matching only and is free for business owners; any fees apply only if you accept a lender’s offer directly.