Fast Vehicle Finance for UK Businesses: Compare, Match and Secure Funding

Summary: Fast Business Loans introduces UK limited companies and incorporated businesses (excluding sole traders and professions) to brokers and lenders that specialise in vehicle finance — from single vans to multi-vehicle fleets, including electric vehicles and HGVs. Our free enquiry is not an application and will not affect your credit score; it helps us match your business to the lenders and brokers most likely to provide a suitable quote for deals of £10,000 and above. Ready to get matched? Start your Free Eligibility Check.

Why Businesses Use Vehicle Finance to Grow

Vehicle finance enables businesses to acquire essential transport without tying up capital. Whether you need a single van, a delivery fleet, HGVs or a switch to electric vans, finance spreads cost over time so you can preserve working capital for operations, staff or stock. Typical structures include hire purchase (HP), finance leases and refinance arrangements for existing fleet assets.

Common motivations include fleet expansion, replacing unreliable vehicles, improving fuel efficiency or adopting EVs. Choices depend on ownership goals, tax position and cashflow — and that’s where specialist brokers and lenders help.

How Fast Business Loans Connects You to the Right Vehicle Finance Partner

We are an introducer — we don’t lend or advise. Our role is simple: match your business to lenders and brokers who specialise in your vehicle, sector and loan size.

• Step 1: Complete a short enquiry with basic business details and the funding amount (takes 2 minutes).
• Step 2: We run a soft eligibility check and match you to partners who typically handle similar cases.
• Step 3: Selected lenders/brokers contact you with tailored quotes and next steps.
• Step 4: Compare offers, proceed with the lender you choose — lenders may then carry out full checks.

Start Your Vehicle Finance Enquiry

Takes less than 2 minutes • Free eligibility check • No impact on credit score

Vehicle Finance Options We Can Introduce You To

Below are the common structures our partner lenders/brokers offer. We’ll match you to specialists who focus on the option that best fits your goals.

Hire Purchase & Conditional Sale

Hire Purchase lets you spread payments with the option to own the vehicle at term end. Typical for businesses wanting ownership and predictable monthly costs.

Finance Lease & Operating Lease

Finance leases are capital-style agreements where the vehicle is treated as a financed asset; operating leases are closer to rental agreements (no ownership at term end). Leasing can be beneficial for short-term fleet upgrades or tax planning.

Balloon & Residual Value Facilities

Lower monthly payments with a larger final payment (balloon) or residual value target. Useful if you plan to refinance or sell the vehicle at term end.

Refinance / Equity Release on Existing Vehicles

Release cash tied up in existing fleet assets by refinancing — improves cashflow or consolidates borrowing. Availability depends on remaining vehicle value and lender appetite.

Note: Terms, tax treatment and eligibility vary by lender. Fast Business Loans introduces you to partners — we do not provide regulated financial advice.

Who Vehicle Finance Suits

Vehicle finance is suitable for incorporated businesses and limited companies needing to fund transport from around £10,000 upwards. Typical industries we support include:

• Logistics & haulage — HGVs and trailers
• Last-mile delivery & e-commerce — vans and small fleets
• Construction & trades — tippers, vans and plant transport
• Utilities and service fleets — multi-vehicle replacement programs
• Businesses switching to EV fleets — specialist EV finance and charger funding

Get Matched to a Vehicle Finance Specialist

Eligibility Snapshot & What Lenders Typically Look For

Every lender has different criteria, but most consider the following fundamentals:

Basic Criteria

• Minimum trading history — often 12+ months, though some lenders consider newer incorporated businesses.
• Annual turnover and business profitability.
• Director credit profile — personal guarantees may be requested for smaller or newer companies.
• Asset type, mileage and condition for used vehicles.

Documents Commonly Requested

• Latest company accounts and management accounts
• Bank statements (usually 3–6 months)
• VAT returns (if applicable)
• Vehicle quotations, CVOR/HGV specs or supplier invoices

How Newer Businesses Are Assessed

Start-up companies or recently incorporated businesses may be considered but often need additional support such as director guarantees, a strong business plan or higher initial deposits. Complete our short enquiry to discover suitable lenders.

Enquiry note: Submitting a Fast Business Loans enquiry does not affect your credit score. Full credit checks are only performed by lenders if you choose to proceed with a quote.

Costs, Rates and Typical Terms

Rates vary by lender, vehicle type and credit profile. Typical ranges to expect (illustrative only):

• APR: variable, commonly 6%–20%+ depending on risk and product
• Term lengths: 12–60 months for vans; up to 72+ months for HGVs and specialised equipment
• Deposits: 0%–30% depending on product and credit status; balloon options reduce monthly cost

All figures are indicative. Exact pricing will be supplied by lenders/brokers once your enquiry is submitted and assessed.

Disclaimer: We are not a lender or regulated financial adviser. All terms are illustrative and subject to lender assessment.

Why Use Fast Business Loans Instead of Going Direct

Searching dozens of lenders is time-consuming and can be confusing. We save you time and improve the chance of a competitive quote by matching you to the right specialists.

• Time saved — one short enquiry connects you to multiple relevant partners.
• Better matches — we route enquiries to brokers/lenders experienced in your sector and vehicle type.
• Confidential & quick — soft eligibility checks only; fast initial responses.

For more detailed guides on commercial vehicle funding, see our wider resources on vehicle finance — for example our pillar page on vehicle finance.

Free Vehicle Finance Quote — Get Started

Case Snapshots: Vehicle Finance in Action

What Happens After You Complete the Enquiry Form

Once you submit the enquiry, we perform a soft eligibility assessment and share the details with selective partners that match your profile. Expect contact by phone or email within business hours. You are under no obligation to proceed — any lender you choose will carry out their own due diligence before final approval.

Vehicle Finance FAQs

Ready to Explore Your Vehicle Finance Options?

If your business needs reliable vehicle funding of £10,000 or more, complete a short enquiry and we’ll match you to the most appropriate brokers and lenders for your needs. The form is quick, free and non-binding — and your enquiry won’t affect your credit score.

Start Your Free Eligibility Check

Fast Business Loans is a trading style of Fast Business Loans Ltd. We are an introducer — not a lender and we do not provide regulated financial advice. Eligibility and terms are subject to lender assessment. Submitting an enquiry will not affect your credit score; lenders may perform credit checks if you proceed with an application. For full privacy and terms, see our Privacy Policy and Terms & Conditions.

– Are you a lender or broker? We’re an introducer that matches UK businesses with specialist vehicle finance brokers and lenders, not a lender or adviser.
– Who is eligible for business vehicle finance? UK limited companies and incorporated businesses (not sole traders or professions) seeking deals from £10,000 and above.
– Will submitting the enquiry affect my credit score? No — it’s a free, soft eligibility check and only the chosen lender may run full checks if you proceed.
– What types of vehicles can be financed? Vans, trucks, HGVs, trailers, and electric vehicles, including single units or multi-vehicle fleets.
– What finance options can you match me with? Hire purchase, conditional sale, finance lease, operating lease, balloon/residual value structures, and refinance/equity release.
– How fast can I get approved and funded? Straightforward cases can be approved within 24–48 hours once documents are ready, with funding following supplier and delivery steps.
– What rates, terms and deposits should I expect? Indicative APRs are typically 6%–20%+, terms 12–60 months for vans and up to 72+ months for HGVs, with deposits from 0%–30% depending on profile.
– What documents will lenders usually require? Latest company accounts, 3–6 months of bank statements, VAT returns (if applicable), and vehicle quotes/specs or supplier invoices.
– Do I need security or a personal guarantee? The vehicle usually secures the finance, with director guarantees or higher deposits sometimes required based on credit and trading history.
– Can you help with electric vans and charging infrastructure? Yes — many partners fund EVs and chargers, and some can advise on available grants.