Logistics Business Loans: Fast Funding for UK Transport, Haulage and Warehousing

Running a logistics operation is a race against time and cash flow. Fuel prices surge. Customers pay on 30–90 day terms. Vehicles need repairs now, not next quarter. Fast Business Loans connects UK logistics businesses with trusted lenders and brokers who understand your sector and can move as fast as you do.

• Free eligibility check in under 2 minutes
• No impact on your credit score to enquire
• No fees to you; no obligation to proceed

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What are logistics business loans?

Logistics business loans and finance solutions are funding options tailored for road haulage, transport, courier, warehousing and freight businesses. Rather than a single product, you can choose from a range of facilities that support working capital, vehicles and equipment, fuel, insurance, VAT and expansion projects.

Fast Business Loans is not a lender and does not provide financial advice. We introduce you to specialist UK brokers and lenders who can offer quotes directly to you. Facilities typically start from £10,000 and up, subject to status and underwriting.

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Who we help

Our panel supports UK limited companies and LLPs operating across logistics and transport, including:

• Road haulage: HGV, LGV, pallet network members
• Couriers and last‑mile delivery fleets
• Same‑day, refrigerated and time‑critical logistics
• Warehousing and fulfilment centres (WMS, racking, MHE)
• Freight forwarders and customs agents
• Removals, storage and specialist transport (ADR, HIAB, low-loader)
• Coach and minibus operators
• Ports, depots and cross-dock facilities

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Finance options for logistics businesses

Every operation is different. Many logistics firms use a blend of facilities—such as invoice finance for cash flow plus asset finance for vehicles—to build a robust, flexible funding stack.

Asset finance for vehicles and equipment

Ideal for HGVs, vans, trailers, forklifts, telehandlers, MHE, telematics, dash cams, tail lifts, tyre equipment and workshop kit.

• Types: Hire purchase (HP), finance lease, operating lease, refinance and sale & leaseback
• Benefits: Spread costs over 2–7 years, keep cash free for fuel and wages, predictable payments, potential tax advantages (speak to your accountant)
• Use cases: New contract requiring extra vehicles, upgrading to Euro 6 or EV, replacing aging fleet, releasing equity from owned assets

Vehicle finance and fleet funding

For fleets from 1 to 200+ vehicles:

• Options: Single-vehicle HP or lease, fleet funding lines, balloon/structured payments
• Benefits: Consolidate purchasing, align payments with mileage and residual values, reduce admin

Invoice finance (factoring and invoice discounting)

Ideal for hauliers and logistics firms on 30–90 day terms.

• How it works: Unlock a percentage of your outstanding invoices—often within 24–48 hours—to stabilise cash flow
• Benefits: Smooths fuel, wage and maintenance costs; scales with turnover; reduces reliance on overdrafts
• Requirements: Trading history and debtor quality; aged debtor report. Start‑up-friendly options may be available with contracts/POs

Learn more: Invoice finance

Working capital and unsecured business loans

Ideal for general cash flow, repairs, marketing, new hires and depot ramp‑up.

• Features: Fixed term (often 6–60 months), unsecured or with personal guarantees; speedy decisions possible
• Benefits: Quick access to funds, flexible use, complements asset and invoice finance

VAT and tax funding

Spread HMRC liabilities over manageable monthly payments to protect cash reserves for operations.

Refinance and consolidation

Release cash tied up in owned vehicles/equipment or consolidate multiple agreements to improve monthly cash flow.

Warehouse and equipment finance

For racking systems, mezzanines, conveyors, WMS, scanners, packaging lines and dock levellers.

• Options: Equipment finance, fit-out finance, rolling upgrades
• Benefits: Match payback to efficiency gains; preserve cash for stock and payroll

Insurance premium finance

Spread the cost of annual fleet, goods-in-transit, liability and property insurance to avoid lump-sum premiums.

Commercial mortgages and bridging

Purchase depots/warehouses or fund time‑sensitive opportunities. Options include owner-occupied or investment mortgages, plus bridging for short-term gaps.

Sustainability and emissions reduction funding

Support for electric vans/HGV pilots, charging infrastructure, solar PV on warehouses, telematics for eco‑driving and trailer aerodynamics.

Explore related solutions: Sustainability finance and Vehicle finance

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How Fast Business Loans works

1. Complete a quick enquiry
   Tell us about your business and funding need. It takes less than 2 minutes and won’t affect your credit score.
2. We match you with trusted partners
   We connect you with UK brokers/lenders experienced in logistics and transport finance.
3. Rapid response
   Expect a call or email to discuss options, rates and next steps. You’ll get personalised quotes.
4. Compare and decide
   Choose the offer that fits. There’s no pressure and no obligation to proceed.

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Eligibility and what lenders look for

Eligibility varies by product and provider, but you’ll typically be asked for:

• Basic details: Company name, trading history, turnover, VAT status, fleet size, depot locations
• Directors’ details: ID and address verification
• Financials: 3–6 months’ business bank statements; latest accounts/management figures
• For invoice finance: Aged debtor/creditor reports, sample contracts, proof of delivery/POs
• For asset/vehicle finance: Supplier quote/invoice, vehicle/asset details, fleet schedule
• Security: Personal guarantees are common for SMEs; asset charges/debentures may apply on secured facilities

Good to know:

• Start-ups: Possible with deposits, contracts or strong experience
• Adverse credit: Options may still be available; pricing and structure will reflect risk
• Speed: Some decisions within hours; asset and invoice finance can often fund within days once setup is complete
• Minimum amount: Facilities typically from £10,000+

What affects costs, rates and terms?

Pricing is set by the lender or broker you choose. Your quotes will reflect:

• Facility type (secured vs unsecured; asset vs invoice vs term loan)
• Trading history, profitability and cash flow
• Contract quality and debtor strength (for invoice finance)
• Asset type, age and residual value (for asset/vehicle finance)
• Security available and personal guarantees
• Loan size and term

Important: Rates, fees and terms vary by provider and your circumstances. We don’t set or control pricing. Late or missed repayments can lead to extra costs and may affect your credit rating. Where security is offered (including personal guarantees), your assets may be at risk if you fail to keep up repayments.

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Why choose Fast Business Loans for logistics finance?

• Sector expertise: We connect you with providers who understand transport, haulage, couriers and warehousing
• Speed: One short form. Quick responses. Quotes faster
• Higher approval chances: We match your needs to suitable partners
• No cost, no obligation: Our service is free for business owners. You decide whether to proceed
• Transparent introducer: We’re not a lender and we don’t provide financial advice; we introduce you to relevant finance partners
• Data handled securely: Your details are shared only with partners relevant to your enquiry

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Common logistics funding scenarios we see

• Fuel price spikes vs 60‑day customers: A haulier uses invoice finance to draw against invoices within 24–48 hours, smoothing wages, fuel and maintenance
• New contract, tight start date: A courier funds additional vans via HP with structured payments aligned to mileage and residual values
• Upgrade to cleaner fleet: An operator leases Euro 6 vehicles and finances telematics to cut idling and insurance costs
• Warehouse efficiency: A 3PL upgrades racking and WMS via equipment finance, reducing pick times and errors
• Cash tied in assets: A firm refinances owned trailers to release working capital for expansion
• Quarterly VAT pinch: A transport company spreads its VAT bill over 3–12 months to keep operations liquid

A quick checklist to choose the right facility

• Need cash faster than your customers pay? Consider invoice finance
• Need vehicles or kit? Consider asset/vehicle finance or sale & leaseback
• Need to spread tax/insurance? Consider VAT or premium finance
• Need general working capital? Consider a term loan
• Scaling or buying premises? Consider commercial mortgages/bridging
• Lowering emissions or energy costs? Consider sustainability and equipment finance

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FAQs: Logistics business loans and finance

1) Are you a lender?

No. Fast Business Loans is an introducer. We connect you with trusted UK brokers and lenders who will provide quotes and, if you proceed, the finance.

2) Does enquiring affect my credit score?

No. Submitting our enquiry form won’t affect your credit score. If you proceed, finance partners may carry out credit searches (soft or hard) with your consent.

3) How quickly can we get funding?

It depends on the product and your documents. Some unsecured loans can be decided quickly; asset and invoice finance can often be set up and funded within days once all checks are complete.

4) Can start-ups apply?

Often yes. Many partners can consider new limited companies, especially with deposits, signed contracts or strong sector experience.

5) Do you support businesses with adverse credit?

Options may be available, though pricing can be higher and additional security may be required.

6) What finance products suit logistics best?

Popular options include asset/vehicle finance, invoice finance, working capital loans, VAT and insurance premium finance, warehouse equipment finance and sustainability upgrades.

7) Will I have to give a personal guarantee?

Many SME facilities require a personal guarantee. Your lender or broker will explain any security requirements clearly before you proceed.

8) What information do you need to start?

Basic business details, funding amount and purpose, and contact details. For quotes, partners may require bank statements, accounts and product‑specific documents (e.g., aged debtor list, supplier quotes).

9) Do you charge fees to business owners?

No. Our service is free for business owners. You’re under no obligation to accept any offer.

10) Can you help with EV trucks or charging?

Yes. Our panel includes providers funding EV trials, vans, charging infrastructure and related equipment.

11) Do you fund international freight businesses?

Subject to a UK entity, underwriting and product fit. Discuss your routes, contracts and debtor books with the partner you’re matched to.

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Compliance, trust and transparency

• We’re not a lender and we don’t offer financial advice. We act as an introducer
• All information aims to be clear, fair and not misleading
• Quotes are illustrative until confirmed by the lender or broker. Eligibility, rates and fees depend on your circumstances
• Enquiring does not affect your credit score. If you proceed, partners may run credit checks with your permission
• Late or missed repayments can cause serious money problems and may affect your credit rating. Where security is offered, your assets may be at risk if you don’t keep up repayments
• Your data is handled securely and shared only with relevant finance partners for the purpose of your enquiry

Free Eligibility Check

– Q: Is Fast Business Loans a lender or broker?
A: No—Fast Business Loans is a free introducer that connects UK businesses with trusted brokers and lenders who follow FCA guidelines.

– Q: How does Fast Business Loans work?
A: Complete a short enquiry, get instantly matched to suitable partners, and compare your options with no obligation.

– Q: Does it cost anything to use the service?
A: No, it’s completely free for business owners to submit an enquiry and get matched.

– Q: Will submitting an enquiry affect my credit score?
A: No; your enquiry won’t affect your credit score, and any credit check happens only if you decide to proceed with a lender.

– Q: How quickly can I get a decision or funding?
A: You’ll typically hear back within hours, with funding often available soon after approval and document verification.

– Q: What loan amounts are available through your partners?
A: Our partners consider finance from around £5,000 up to £5 million or more, subject to eligibility.

– Q: What types of business finance can you help with?
A: We match businesses to unsecured and secured business loans, cash flow loans, asset and equipment finance, vehicle finance, invoice finance, refinance, fit-out finance, and sustainability loans.

– Q: Do you support start-ups and small businesses?
A: Yes—many of our partners specialise in helping UK start-ups and growing SMEs.

– Q: Can you help if I have bad credit or was declined elsewhere?
A: Often yes, because our wide panel may find an alternative lender better suited to your circumstances.

– Q: What are the typical interest rates and terms?
A: Rates and terms vary by lender, product, and your business profile, with personalised quotes provided by your matched partners.