Logistics Business Loans & Finance

Fast summary: Fast Business Loans connects UK logistics companies to suitable lenders and brokers for finance from £10,000 upwards — including fleet finance, warehouse funding, invoice finance and working capital. Complete a short enquiry (not an application) and receive a free eligibility check without affecting your credit score. Get a Free Eligibility Check in under 2 minutes.

Why logistics businesses choose Fast Business Loans

Logistics operators face volatile fuel and labour costs, tight margins, rapid growth demands and capital-heavy upgrades (fleet, racking, automation). Rather than trawling dozens of providers, businesses use Fast Business Loans to save time and get matched with lenders and brokers who understand transport, haulage and warehousing.

• Save time — submit one short enquiry and get matched to suitable partners.
• Industry-aware matches — brokers who know fleet depreciation, contract terms and operator licences.
• Free, no obligation — completing our enquiry is not an application and does not affect your credit score.

Get started — Free Eligibility Check (takes under 2 minutes).

Funding needs across the logistics value chain

Logistics businesses require different types of capital at different stages. Typical uses include:

Fleet & vehicle finance

• Purchase or refinance HGVs, trailers, vans and specialist vehicles.
• Hire purchase, finance lease or operating lease for EVs and low-emission vehicles.
• Costs: new HGV £60k–£150k; vans £10k–£40k; fleet refurbs and telematics installations.

Warehousing & fulfilment upgrades

• Warehouse acquisition, racking and mezzanines; fit-out for fulfilment centres.
• Automation and conveyors for higher throughput.

Technology & telematics investments

• Transport management systems, route optimisation, security and EV charging points.

Working capital for contracts & payroll

• Bridge cashflow between contract wins and receivables, seasonal peaks, staff costs.

For specialist reading on sector funding, see our pillar logistics resource on logistics business loans logistics business loans.

Finance options available via our broker panel

We introduce businesses to a wide panel of lenders and brokers. Below are common solutions and what they’re best for.

Secured & unsecured business loans

• Quick access to capital from £10,000 upwards.
• Best for: consolidation, capex or medium-term working capital.

Asset & vehicle finance

• Hire purchase, finance leases and contract hire tailored for fleets.
• Best for: purchasing vehicles while preserving cashflow.

Invoice finance & factoring

• Unlock cash tied up in unpaid invoices; can be tailored to transport contracts.
• Best for: businesses with B2B invoices and extended payment terms.

Bridging & short-term loans

• Fast, short-term funding for time-sensitive opportunities.

Commercial mortgages & property finance

• For warehouse purchases, development finance or long-term property loans.

All partners operate under their own lending criteria — we introduce you so you can compare the offers quickly. Compare logistics finance offers ›

Eligibility snapshot for logistics finance

Below are typical lender preferences (exact criteria vary):

• Minimum loan size: typically from £10,000 upwards.
• Trading history: many lenders prefer 12+ months trading, though specialist brokers may help newer operators.
• Annual turnover: depends on product; invoice finance and asset finance can accept lower turnovers with strong asset cover.
• Credit profile: acceptable credit issues can often be accommodated by specialist brokers — explain any CCJs or defaults up front.

Documents commonly requested:

• Latest management accounts or 12 months’ business bank statements.
• Vehicle details (make, model, mileage, age) for asset finance.
• Customer contracts or purchase orders for working capital facilities.

Reassurance: If you’ve been declined elsewhere, our panel includes specialists who consider cases others won’t. Check eligibility without affecting your credit score.

How Fast Business Loans works for logistics operators

1. Complete a short enquiry form — this is not an application and will not affect your credit score. (Start your free eligibility check.)
2. We match your business to lenders and brokers that specialise in logistics finance.
3. Selected partners will contact you with tailored options and indicative terms.
4. Compare quotes, ask questions, and decide who you want to proceed with — you remain in control.

Our role is to introduce you quickly and confidentially; there’s no obligation to accept any offer.

Case study highlights

Regional haulier expands fleet with hire purchase

A Midlands-based haulier needed 5 articulated trailers and two used HGVs to fulfil a new contract. Loan type: hire purchase via an asset finance broker. Loan value: £210,000. Time to funding: 10 working days. Outcome: fleet expanded, new contract serviced, repayments aligned to cashflow from the contract. (Example anonymised — outcomes vary.)

E-commerce fulfilment centre funds automation

An e-commerce fulfilment operator required racking and conveyor automation to increase throughput. Loan type: commercial loan + asset finance. Loan value: £420,000. Time to indicative terms: 48 hours. Outcome: automation live within 8 weeks; increased order capacity and reduced manual labour costs. (Illustrative only.)

Expert insights: navigating logistics finance in 2025

“Lenders now look more closely at operational resilience and ESG plans,” says James Carter, Head of Logistics Finance (Fast Business Loans, industry specialist with 12 years’ experience). “Electric fleets, telematics and driver retention strategies strengthen applications because they reduce long-term operational risk.”

Key trends to consider:

• Decarbonisation: lenders increasingly favour operators investing in low-emission vehicles and charging infrastructure.
• Digitalisation: telematics and TMS reduce route cost and provide measurable KPIs that lenders like to see.
• Contract stability: multi-year contracts or blue-chip clients improve terms for working capital and invoice finance.

Tip: prepare clear cost/benefit evidence for investments (fuel savings, staff savings, contract revenue) to speed approvals.

Comparison table: logistics finance solutions

Talk to a specialist broker today.

Frequently asked questions

Can I finance electric HGVs through your panel?

Yes — many brokers we introduce can arrange funding for electric and hybrid vehicles, including specialist packages for grants and charging infrastructure where available.

Do I need property security for logistics business loans?

Not always. Options such as unsecured loans, asset finance and invoice funding are available. Larger loans or property purchases may require security.

How quickly can funding be released?

Indicative offers can arrive within hours; funds can be released from 24 hours up to several weeks depending on checks and the finance type.

Can startups or new operators apply?

Yes. Specialist brokers may consider new operators where there is sector experience, strong contracts or committed customers backing the business.

Will my enquiry affect my credit score?

No — submitting the Fast Business Loans enquiry form is not a credit application and does not affect your credit rating. Lenders may undertake checks later if you proceed.

Do you charge a fee for introductions?

Our service is free for businesses. We may receive a commission from brokers or lenders if an agreement completes, but you pay nothing to Fast Business Loans to be introduced.

How does Fast Business Loans protect my data?

We handle personal and business data securely and only share details with partners relevant to your enquiry. See our privacy policy for full details.

Ready to explore your options?

If you need finance for vehicles, warehousing, automation or working capital, start with a short enquiry — it’s free, confidential and not an application. Our team will match you to lenders and brokers who best fit your circumstances.

• Quick: one short form — multiple matched partners.
• Targeted: introductions to specialists in logistics finance.
• No obligation: decide whether to progress at your pace.

Get Quote Now

About Fast Business Loans

Fast Business Loans connects UK businesses with a panel of lenders and brokers to simplify sourcing business finance. We are an introducer — not a lender — and our service helps you compare options quickly. We commonly assist limited companies and larger operators seeking loans from £10,000 and upwards.

For queries, visit our contact page or start your Free Eligibility Check.

Related guides & resources

• Transport & Haulage Business Loans
• Invoice Finance Explained
• Sustainability & Green Funding for SMEs

– What types of logistics business finance can I access? Through our UK panel you can access unsecured and secured business loans, asset and vehicle finance for fleets, invoice finance, bridging loans, and commercial mortgages for warehouses.
– Are you a lender? No — Fast Business Loans is not a lender; we introduce logistics companies to trusted UK brokers and lenders who provide the finance.
– How much can I borrow for logistics business loans? Funding typically starts from £10,000, with higher limits available for invoice facilities, fleet purchases and commercial property subject to lender criteria.
– How quickly can I get funding? You can often receive indicative terms within hours and, once approved, funds can be released from 24 hours to several weeks depending on the product.
– Will completing the enquiry affect my credit score? No — completing our short enquiry is not an application and does not affect your credit score; checks may occur later if you proceed with a lender.
– Do you charge a fee for introductions? Our service is free for business owners, and we may receive a commission from brokers or lenders only if a finance agreement completes.
– Do I need property as security for logistics finance? Not always — many logistics business loans are available unsecured or via asset and invoice finance, though larger facilities may require security.
– Can I finance electric HGVs, vans and charging infrastructure? Yes — many partners on our panel fund electric and hybrid HGVs, vans and charging infrastructure, subject to eligibility and any available grants.
– Can startups or businesses with adverse credit get funding? Yes — specialist brokers can consider startups, new operators and firms with past credit issues where there’s sector experience, assets or firm contracts.
– What documents will I need to provide? Lenders commonly request recent management accounts or bank statements, vehicle details for asset finance, and customer contracts or purchase orders for working capital facilities.