Introduction: Fast, sector-aware finance for logistics businesses

Running a haulage, distribution or warehouse operation today means dealing with tight margins, rising fleet and energy costs, staff shortages and pressure to decarbonise. The right finance — whether it’s asset funding for new HGVs, invoice finance to free up working capital, or a bridging loan to mobilise a new contract — can keep your operation moving.

Fast Business Loans is a specialist introducer: we don’t provide loans ourselves. Instead we connect directors and businesses with lenders and brokers who understand logistics. Use our Free Eligibility Check to get matched in minutes and receive quotes from providers who best fit your needs: Get Quote Now.

Why Logistics Businesses Seek Funding Now

Market pressures and strategic opportunities are driving demand for finance across the sector. Typical triggers include:

• Fleet renewal and electrification: switching to low-emission vehicles or replacing ageing HGVs increases capital needs but lowers running costs long-term.
• Contract wins and mobilisation: new contracts often demand deposits, additional drivers or vehicles, and working capital to deliver first jobs.
• Cash flow gaps: long payment terms from large clients can leave SMEs short of funds to run daily operations.
• Property & capacity upgrades: warehousing or yard expansion to meet demand requires medium-term capital.

If any of these sound familiar, you can start a Free Eligibility Check now — it’s quick, confidential and will not harm your credit score.

Funding Challenges in the Logistics & Transport Sector

Rising fleet costs & maintenance

New and used HGV prices, parts and servicing have pushed up total cost of ownership. Lenders often prefer sector-aware applications that show vehicle schedules and maintenance plans.

Cash flow gaps from slow-paying contracts

Large customers and long payment terms can trap working capital. Invoice finance or factoring is commonly used to unlock this cash quickly.

Regulatory compliance & sustainability upgrades

Clean Air Zones, emissions standards and electrification incentives mean many firms must invest in compliant vehicles and charging infrastructure — often sooner than planned.

Generic lenders sometimes hesitate because logistics can be asset-heavy and seasonally variable. That’s why matching with lenders and brokers who specialise in transport and supply chain finance improves your chances of success.

How Fast Business Loans Supports Logistics Firms

Our role is simple and focused: we match your business with lenders and brokers who can evaluate and provide real finance options for logistics firms. We act as an introducer — not a lender — and our service is free to you.

1. Quick Enquiry: you complete a short form with basic business details and funding needs (about 2 minutes).
2. Smart Match: we match you to the best-suited lenders and brokers from our panel who understand logistics finance.
3. Rapid Response: matched partners typically contact you by phone or email with eligibility feedback and indicative quotes.
4. Compare & Decide: you review offers, request formal terms from the lender you prefer, and proceed if you’re satisfied.

We only share your details with partners who can realistically help you. For more industry context on transport sector funding, see our pillar on logistics business loans.

Start your Free Eligibility Check and be matched with specialists who know logistics finance.

Logistics Funding Options We Can Help You Explore

Below are common solutions our partners provide. We’ll match you with those most relevant to your goal, whether it’s growth, cashflow or compliance.

• Working capital loans — short to medium-term loans to cover day‑to‑day costs and seasonal demand.
• Invoice finance / factoring — convert unpaid invoices into immediate cash to smooth cash flow.
• Asset & fleet finance — hire purchase, finance leases and chattel mortgages for vans, HGVs and specialist machinery (including EV conversions).
• Warehouse / yard expansion finance — commercial loans or asset-backed solutions for property upgrades.
• Bridging loans — short-term funds to mobilise new contracts or secure deposits.
• Refinance / consolidation — restructure high-cost debt to improve monthly cashflow.
• Fuel cards & revolving facilities — manage day-to-day fuel and operating costs with flexible credit lines.

Typical funding amounts we can help arrange range from about £10,000 to several million, depending on the product and lender. Terms vary by solution and provider.

Get Logistics Finance Quotes — complete the short form and hear back fast.

Eligibility Snapshot for Logistics Businesses

While each lender has its criteria, here’s a practical checklist for most finance routes:

• UK-registered company (limited companies and SMEs)
• Typically at least 6 months trading (many lenders prefer 12+ months; start-up support may be available via specialist partners)
• Management accounts or bank statements and an aged debtor list for invoice finance applications
• Vehicle schedule and MOT/maintenance records for fleet finance
• Credit history is considered — past issues (e.g., CCJs) don’t always exclude you, but options may differ

Your initial enquiry does not affect your business credit score. To check quickly and confidentially, start a Free Eligibility Check.

What to Expect After You Enquire

Once you submit the enquiry form:

• We screen your details and select matching partners from our panel.
• Matched brokers/lenders will typically contact you by phone or email — often within hours during working days.
• They may request documents (management accounts, debtor list, vehicle details) to provide firm quotes.
• There’s no obligation to proceed — you compare offers and choose what suits you.

Tip: have recent management accounts, a list of vehicles and an aged debtor report ready to speed up the process.

Case Study Snapshot & Social Proof

Client: Midlands-based haulage firm (anonymised)

Need: replacement of ageing fleet and finance to fulfil a new 3-year logistics contract.

Outcome: Introduction to a specialist asset finance broker who secured a £350,000 hire purchase facility covering 10 HGVs within three weeks, allowing the company to expand capacity and win the contract. Monthly costs were reduced through extended terms compared with previous short-term hire arrangements.

“Fast Business Loans connected us to a broker who understood haulage finance — they got our fleet on the road fast.” — Logistics Director (anonymised)

Results vary by business and lender; the case above is illustrative.

Logistics Finance FAQs

Can I get help if I’ve been declined elsewhere?

Yes. We work with a broad panel — being declined by one lender doesn’t mean there aren’t options. Submit a few details and we’ll try to match you with brokers or lenders suited to your circumstances: Free Eligibility Check.

How quickly can I receive funds?

Timing depends on product and documentation. Invoice finance can release funds within 24–48 hours; asset finance often completes in 7–21 days after documentation; bridging finance can be faster for short-term needs.

Do you arrange green fleet finance for EVs and chargers?

Yes — many partners offer funding for electric vehicle purchases and charging infrastructure, including specialist schemes for zero-emission transition.

Will my enquiry affect my credit score?

No. Submitting an enquiry through Fast Business Loans does not affect your credit file. Lenders may run checks later if you proceed with an application.

What does Fast Business Loans charge?

Our service is free for business owners. Matched lenders or brokers may charge fees according to their terms — these will be disclosed by them.

What loan sizes are available?

Our panel can help with funding from around £10,000 up to multiple millions, depending on the product and security offered.

Get Your Logistics Loan Options Today

Fast Business Loans makes it simple to explore finance options tailored to logistics and transport firms. Complete our short form to receive quick, confidential matches to lenders and brokers who specialise in your sector. There’s no cost and no obligation.

Free Eligibility Check — Get Started

Compliance & Disclosure

Fast Business Loans is an introducer that connects businesses with lenders and brokers. We do not provide loans or financial advice. Submitting an enquiry is a free, no-obligation way to find potential finance solutions; any formal loan application and lender decisions are handled directly by the lender or broker. We handle data securely and only share your information with partners who can help with your funding request.