Vehicle Finance for UK Businesses: Match With Trusted Lenders Fast
Summary: Fast Business Loans is a free introducer service that connects UK limited companies and SMEs with brokers and lenders offering vehicle finance for vans, HGVs and fleets from around £10,000 upwards. Complete a short enquiry and receive matched, no‑obligation quotes quickly — enquiries are a soft check and won’t affect your credit score. Ready to compare options? Get Started – Free Eligibility Check.
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.
Why Businesses Choose Fast Business Loans for Vehicle Finance
Rising vehicle and fleet costs make the right funding choice critical. Fast Business Loans saves you time by matching your business to the most suitable lenders and brokers instead of you contacting dozens of providers.
- Save time — one short enquiry connects you with multiple suitable partners.
- Sector-aware matches — we route your enquiry to lenders/brokers who understand your industry and vehicle type.
- Speed — many partners respond within hours so you can progress quickly.
- No charge to you — our service is free and there’s no obligation to proceed.
What Types of Vehicle Finance Can We Help You Access?
Through our panel you can access a wide range of commercial vehicle finance solutions for new and used vehicles, specialist fit-outs and full fleet programmes.
Hire Purchase & Lease Purchase
Typical for businesses that want to own the vehicle at the end of the term. Repayments fixed over agreed term; VAT treatment depends on the vehicle and whether your business is VAT registered.
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.
Finance Lease & Operating Lease
Finance leases suit businesses needing long-term use without immediate ownership; operating leases remove residual value risk and can include maintenance packages.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Contract Hire & Fleet Management
Best for multi-vehicle fleets where predictable monthly costs and bundled maintenance, tyres and servicing reduce day-to-day hassle.
Specialist & Complex Vehicle Finance
HGVs, refrigerated vehicles, municipal vehicles, adaptations, and electric vehicle (EV) fleets — partners can structure deals that reflect specialist costs and incentives.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Quick comparison
| Finance type | Suitable for | Ownership | Typical term |
|---|---|---|---|
| Hire Purchase | Businesses that want ownership | Owner at term end | 2–5 years |
| Finance Lease | Businesses needing long-term use | No (lease) | 2–7 years |
| Operating Lease / Contract Hire | Fleet users wanting bundled services | No | 1–5 years |
| Refinance / Asset Refinance | Established fleets seeking cashflow | Varies | Varies |
Who We Help: From Owner-Drivers to National Fleets
We work with a wide range of UK businesses that require vehicle funding, including logistics firms, contractors, food & drink distributors, care providers and retail delivery operators.
Start-ups & early-stage companies
Specialist brokers can support limited companies with limited trading history by finding lenders that consider sector experience and realistic forecasts.
Scaling SMEs & established companies
Upgrading fleets, switching to low-emission vehicles, or refinancing existing agreements to improve cashflow — we match you to partners who handle multi-vehicle deals.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Specialist sectors
- Construction & plant hauliers
- Food delivery & distribution
- Healthcare transport
- Utilities and public sector contractors
Want to see your options? Free Eligibility Check
How Our Vehicle Finance Matchmaking Works
- Complete a short enquiry: tell us about your business, the vehicles you need and a few financial details. It takes under 2 minutes and is a soft check only.
- Smart matching: we route your enquiry to vetted brokers and lenders best suited to your sector and vehicle type.
- Receive personalised quotes: you’ll typically hear back by phone or email within hours to days depending on the complexity.
- Decide with no obligation: compare terms and move forward with the provider of your choice — the final agreement is between you and the lender or broker.
Trust markers: Free service | Secure data handling | Vetted partners | No obligation
Key Considerations Before You Arrange Vehicle Finance
Make informed choices—understanding total cost and documentation reduces surprises and speeds approvals.
Understand total cost of ownership
Look at deposit, monthly payments, balloon/residual, maintenance, insurance and fuel/electric charging costs over the vehicle lifetime.
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.
Check eligibility & documentation
Lenders commonly ask for company accounts, bank statements, proof of trading, director details and vehicle specifications. Having these ready shortens turnaround.
Decide between new vs used vehicles
New vehicles may have higher upfront costs but lower maintenance; used stock often has lower monthly payments but different residual profiles.
Specialist requirements
Branding, bespoke fit-outs, refrigeration units, tail-lifts or telematics can affect terms — tell us on your enquiry so we match you with capable partners.
Balancing Speed With Responsible Lending
We prioritise fast matches without cutting corners. Partners are selected for professionalism and transparent communication so you receive clear, comparable quotes and can make a considered decision.
We never charge you for an introduction. Any fees, interest rates or commissions are set out by the lender or broker you choose to work with.
Representative Scenarios We Commonly Support
Case study 1 — Local courier expanding with two vans
Challenge: rapid replacement of aging vehicles to meet demand. Solution: matched to a broker offering hire purchase and a short lead time. Outcome: two vans on the road within 10 working days, with manageable monthly payments.
Case study 2 — Builder switching to EV vans for ULEZ compliance
Challenge: higher upfront cost of EVs and charging infrastructure. Solution: match to a provider bundling vehicle finance plus EV grants knowledge. Outcome: phased fleet upgrade with predictable monthly costs and grant capture.
Case study 3 — Distributor refinancing 20-vehicle fleet
Challenge: high existing repayments impacting cashflow. Solution: connected with a specialist fleet lender for refinance. Outcome: reduced monthly burden and freed working capital for operations.
Tell us about your scenario — Free Eligibility Check
Frequently Asked Questions About Vehicle Finance
How quickly can I arrange vehicle finance?
After your enquiry, many brokers contact you within hours. Final approval depends on lender criteria and how quickly you supply documents — simple deals can complete within days, complex fleet arrangements may take longer.
Will submitting an enquiry affect my credit score?
No — our initial enquiry is a soft assessment that does not show on your credit file. Lenders may perform a hard search only if you proceed with an application.
Can I finance used vehicles or EV fleets?
Yes. Our partners support new and used vehicles, specialist conversions and electric fleets. Tell us the vehicle type on your enquiry so we match you to the right experts.
What documents will lenders usually ask for?
Typical documentation includes recent company accounts, business bank statements, proof of ID for directors, VAT registration (if relevant) and vehicle quotations or specifications.
Is there a minimum or maximum amount I can finance?
Our panel generally supports vehicle funding from around £10,000 upwards for commercial vehicle packages; many partners can finance much larger fleet projects depending on criteria.
Do you charge any fees?
Our matching service is free to businesses. Any fees, rates or broker commissions are disclosed by the lender or broker when they present terms.
Helpful Resources for UK Vehicle Finance Decisions
Useful places to learn more:
- Fast Business Loans – Home
- Get a Quote
- GOV.UK: vehicle tax guidance (external)
- vehicle finance — more detail on commercial vehicle funding
Ready to Get Personalised Vehicle Finance Quotes?
Fast Business Loans puts your requirements in front of the lenders and brokers most likely to help. It’s quick, secure and free — and there’s no obligation to proceed with any quote you receive.
- One short form
- Matched partners who understand your sector
- Compare offers and choose what suits your business
Transparency & Compliance Statement
Fast Business Loans is an introducer. We do not lend or provide regulated financial advice. Eligibility is subject to lender criteria. Any finance agreement you enter will be directly with the lender or broker introduced to you. Please review terms from any provider carefully and consider independent advice if needed. We handle your data securely and only share it with partners relevant to your enquiry.
– How quickly can I arrange vehicle finance?
Many partners respond within hours, with simple deals completing in days and larger fleet arrangements taking longer depending on documents.
– Will submitting an enquiry affect my credit score?
No—our enquiry is a soft check that won’t affect your credit score; a hard search happens only if you proceed with a lender.
– Is the enquiry an application for finance?
No—the enquiry is not an application; it’s a quick information form we use to match you with suitable UK brokers and lenders.
– What types of vehicle finance can you match me with?
We match UK businesses to hire purchase/lease purchase, finance lease, operating lease/contract hire, and vehicle refinance solutions.
– Can I finance used vehicles, specialist fit-outs or electric fleets?
Yes—you can fund used vans and HGVs, specialist conversions and fit‑outs, and electric vehicles or fleets via partners experienced in these assets.
– What are the minimum and maximum amounts you can help with?
Our panel typically supports vehicle funding from around £10,000 upward, with capacity for much larger fleet programmes subject to lender criteria.
– What documents do lenders usually need for vehicle finance?
Lenders commonly request recent company accounts, business bank statements, director ID, VAT details (if applicable), and vehicle quotes/specifications.
– Do you charge any fees for matching me with lenders?
Our matching service is free with no obligation, and any lender or broker fees or commissions will be clearly disclosed in your quotes.
– Will I own the vehicle at the end of the agreement?
With hire purchase you own the vehicle at term end, while finance lease, operating lease and contract hire provide use without ownership.
– Can start-ups or businesses with limited trading history get approved?
Yes—specialist brokers on our panel can consider start‑ups and early‑stage limited companies based on sector experience and realistic forecasts.