Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Vehicle Finance for UK Businesses
Fast, flexible funding to keep your fleet moving. Fast Business Loans connects UK companies with specialist lenders and brokers to arrange vehicle finance — from single vans and company cars to HGVs and multi-vehicle fleets. Our free enquiry helps match your business with the right provider so you can compare real offers quickly. Typical funding starts from £10,000 and upwards. Free Eligibility Check
Quick summary
If you need vans, trucks, specialist vehicles or company cars, vehicle finance lets you conserve working capital while spreading the cost. Fast Business Loans doesn’t lend — we introduce your business to the lenders and brokers most likely to offer competitive commercial vehicle finance from around £10,000. Complete a short, no-obligation enquiry and we’ll match you to providers so you can compare quotes and terms. Free Eligibility Check
Why vehicle finance matters right now
Many UK businesses are upgrading fleets, switching to electric vehicles, or replacing aging assets while trying to preserve cashflow. Purchasing outright ties up capital; finance or leasing spreads cost and can include maintenance and tax advantages. Supply chain delays and the growing availability of EVs have made flexible funding more relevant than ever.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Get Quote Now — our short enquiry takes under 2 minutes and will not affect your credit score.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Fast Business Loans: Your bridge to specialist vehicle funding
We act as an introducer. That means:
- We don’t lend money or provide regulated financial advice.
- You complete a short enquiry and we identify brokers and lenders best placed to help your business.
- Providers contact you directly with quotes and terms so you can compare and decide.
Benefits of using our service:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Save time — one quick form connects you to multiple specialists.
- Better matches — introductions to lenders experienced in your sector and vehicle type.
- No-obligation — you choose whether to proceed after seeing offers.
- Free to use — there is no charge for businesses to submit an enquiry.
Note: Completing the enquiry is not an application and creates no obligation. Free Eligibility Check
Vehicle finance options we can introduce you to
Hire Purchase (HP)
HP spreads the cost with fixed monthly payments. After final payment you own the vehicle. Typical terms: 1–5 years; deposit often required. Common for both new and used vehicles.
Finance Lease & Operating Lease
Finance lease is like a long-term rental with lease payments; ownership usually stays with the funder. Operating lease (contract hire) is off-balance-sheet for many businesses and works well if you want predictable costs and don’t intend to own the asset.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Contract Hire
Fixed monthly rental for a set term and mileage, often bundled with maintenance — ideal for predictable running costs and managed fleets.
Balloon / Residual Value Structures
Lower monthly payments by leaving a final balloon payment. Useful when you expect to refinance or sell at term end.
Refinance & Sale-and-HP-Back
Unlock equity in owned vehicles to improve cashflow by refinancing existing assets or using sale-and-HP-back solutions.
Availability and rates depend on the asset, its age, mileage, your business profile and lender criteria. Get Quote Now to compare tailored options.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Comparison at a glance
| Product | Ownership | Balance sheet | Best for |
|---|---|---|---|
| Hire Purchase | Owner at term end | On-balance | Buy-to-own light vehicles & trucks |
| Finance Lease | Usually funder owns | Often on-balance | Businesses wanting long-term use |
| Contract Hire | Funder owns | Off-balance (typically) | Managed fleets with maintenance |
| Refinance | Depends | Can improve cash position | Free up working capital |
Vehicles we commonly support
Our partners provide finance across a broad range of commercial vehicles, including:
- Light commercial vehicles (vans, pickups)
- Heavy goods vehicles (rigs, lorries, trailers)
- Specialist vehicles (refrigerated units, recovery trucks)
- Passenger transport (minibuses, taxis, coach operators)
- Company cars & pool vehicles — including electric vehicles (EVs)
- Plant, agricultural and off-road vehicles (subject to lender criteria)
Looking specifically to fund electric or low-emission vehicles? Our partners can introduce you to lenders familiar with EV funding and potential incentives. For more details on vehicle-specific finance options see vehicle finance resources like vehicle finance guides and specialist pages on our network. vehicle finance
How our vehicle finance matching process works
- Submit a short enquiry — business details, vehicle type, and funding amount (takes around 2 minutes).
- Assessment — we review and match your request to lenders/brokers with relevant appetite.
- Introductions — selected providers contact you directly with offers or to request documents.
- Compare & decide — review multiple proposals, ask questions, then complete the lender’s process if you wish.
All enquiries are confidential and non-binding. Start Your Enquiry
Eligibility & documentation checklist
Typical eligibility
- UK-registered limited companies, LLPs and trading businesses (not sole traders or professional loans).
- Trading history and management accounts may be required for larger sums.
- Funding usually arranged from £10,000 upwards.
Common documents lenders request
- Recent company accounts or management accounts
- Bank statements (typically 3–6 months)
- Proof of identity for directors
- Vehicle details: quotation/invoice, mileage, service history (for used vehicles)
Credit checks
Submitting the enquiry itself does not trigger hard credit searches. Lenders may run hard credit checks if you progress with an offer; we will make that clear before any such check.
Scenarios we see every day
Scaling a courier fleet
Problem: Rapid growth meant the business needed 12 new vans but lacked capital. Solution: Introductions to funders offering a mixture of HP and contract hire, with maintenance bundles. Outcome: Fleet expanded within weeks and cashflow preserved.
Switching to electric company cars
Problem: Desire to electrify the company car fleet but limited upfront budget. Solution: Finance proposals including low-deposit HP and lease agreements tailored to EV residuals. Outcome: Shortlisted EVs financed with predictable monthly costs and upgrade paths.
Refinancing trucks to release working capital
Problem: Older owned trucks were blocking working capital. Solution: Asset refinance introduced by brokers to release equity. Outcome: Immediate cash injection used to cover seasonal wages and new contracts.
Understanding vehicle finance costs
Key pricing factors lenders consider:
- Vehicle type, age and mileage
- Deposit level and term
- Residual (balloon) values
- Credit history and business financials
- Included services (maintenance, tyres, insurance add-ons)
When comparing proposals, focus on APR (where provided), total cost of ownership, fees, maintenance inclusion and tax treatment for your business. We’ll connect you with providers so you can compare clear offers before deciding.
Why UK businesses choose Fast Business Loans
- Speed: one short enquiry connects you to multiple specialists.
- Choice: access to a broad lender and broker panel experienced across sectors.
- Clarity: introductions — not applications — so you can compare without obligation.
- Free service: there’s no charge for businesses to be matched.
- Support: we help simplify the process from enquiry to lender contact.
We are an introducer, not a lender. Completing the form creates no obligation.
Vehicle finance FAQs
Are you a lender or broker?
We are an introducer. We connect your business to lenders and brokers who may provide offers — any agreement you enter will be directly with the chosen provider.
Does enquiring affect my credit score?
No — our enquiry is a soft eligibility step. Lenders may run hard checks if you proceed with a specific offer.
What deposit is typically required?
Deposit requirements vary by product and provider — from zero deposit for some leasing deals to 10–20% for certain HP arrangements. The best way to know is to compare offers tailored to your business.
Can start-ups access vehicle finance?
Some lenders will consider newer businesses, often with additional requirements such as cashflow forecasts, personal guarantees or higher deposits. We’ll match you to providers used to working with start-ups.
How quickly can funding be arranged?
Simple cases can be agreed within days; more complex or larger fleet funding can take several weeks depending on valuation, vehicle delivery and documentation.
Can I finance used vehicles?
Yes — many lenders provide finance for used commercial vehicles, subject to age and mileage limits which vary by funder.
Ready to strengthen your fleet?
Complete our short, no-obligation enquiry and we’ll match you with lenders and brokers experienced in commercial vehicle funding. It takes less than two minutes and will not affect your credit score.
Fast Business Loans is an introducer only. We do not provide financial advice or guarantee finance. Any finance agreement will be directly between your business and the lender/broker we introduce. Rates and terms depend on individual circumstances.
– Is Fast Business Loans a lender or broker?
Fast Business Loans is an introducer that connects UK businesses with suitable lenders and brokers for commercial vehicle finance.
– Is your enquiry form an application, and is there any obligation to proceed?
No; it’s a quick, no‑obligation eligibility enquiry used to match you with providers, not a loan application.
– Will submitting a vehicle finance enquiry affect my credit score?
No, our enquiry is a soft step that won’t impact your score, though lenders may run hard checks if you choose to proceed with an offer.
– How quickly will I hear back about vehicle finance options?
Many businesses receive initial responses within 24–72 hours once required documents are provided, with simpler cases sometimes the same day.
– What are the minimum and maximum amounts for vehicle finance?
Typical funding starts from around £10,000 and can scale to single vehicles or multi‑vehicle fleets, subject to lender criteria.
– What vehicle finance options can I compare?
You can compare Hire Purchase, Finance Lease, Contract Hire, balloon/residual value structures, and refinance or sale‑and‑HP‑back solutions.
– Who is eligible for commercial vehicle finance through your partners?
UK‑registered limited companies, LLPs and trading businesses are eligible (not sole traders), with stronger requirements for larger sums.
– What deposit is usually required for vehicle finance?
Deposits vary by product and lender, ranging from zero on some leases to around 10–20% for many Hire Purchase agreements.
– What documents will lenders typically request?
Lenders commonly ask for recent accounts or management accounts, 3–6 months’ bank statements, director ID, and vehicle details (quote/invoice, mileage, service history).
– Can I finance used or electric vehicles, and what terms are typical?
Yes—used and EVs are commonly funded subject to age/mileage and lender criteria, with terms typically 1–5 years and optional balloon/residual or maintenance bundles available.