How Fast Business Loans Helps You Secure the Right Vehicle Finance

Here’s how we make vehicle finance simple and fast for your business:

1. Complete a short enquiry (under 2 minutes) — tell us the vehicle type, amount required and business details.
2. We match your details with trusted brokers and lenders on our panel who specialise in commercial vehicle and fleet funding.
3. Partners contact you directly with tailored quotes and next steps — you compare and decide; there’s no obligation to proceed.
4. If you accept an offer you deal with the lender/broker directly to complete the formal application and funding.

Fast Business Loans does not provide loans or regulated financial advice. Your enquiry is solely an information‑gathering step to help us match you with appropriate providers. Start Your Free Eligibility Check — no credit impact, no obligation.

What Type of Vehicle Finance Does Your Business Need?

Different funding types suit different uses and balance sheet preferences. Below are common options and when they typically fit.

Hire Purchase (HP) for Business Vehicles

Hire Purchase is a straightforward route to ownership. You pay a deposit (sometimes 0% to 20% depending on lender and vehicle age) and fixed monthly instalments until the vehicle is paid off and ownership transfers to you. HP can suit businesses that want the asset on their balance sheet and predictable monthly costs. For tailored HP options, Get Quote Now.

Finance Leasing & Operating Leases

Leasing is a financed rental. Finance leases often sit on the balance sheet and may have maintenance wrapped in, while operating leases can sit off‑balance (depending on accounting treatment) and are used when you prefer not to take ownership at term end. Leasing suits businesses wanting lower upfront cost and regular fleet renewal.

Contract Hire for Company Cars & Fleets

Contract hire is a long‑term rental with fixed monthly payments, mileage caps and optional maintenance packages. Best for fleets needing predictable operating costs and regular replacement cycles. Speak to our partners about tailored contract hire deals: Free Eligibility Check.

Refinancing & Equity Release on Existing Vehicles

If you already have vehicles tied up in old finance, refinancing or releasing equity can free cash for growth. Lenders may refinance existing agreements or provide asset refinance based on remaining vehicle value.

Specialist & EV Vehicle Finance

Funding for electric vans, trucks and specialist plant often requires lenders familiar with residual values, charging infrastructure costs and available grants. We can introduce you to lenders and brokers who understand EV economics and sustainability incentives.

If you want personalised guidance about which route is best for your vehicle purchase or replacement, Get Matched with Vehicle Finance Specialists.

Vehicle Finance Scenarios We Commonly Support

Eligibility Snapshot: What Lenders Typically Look For

Note: Start-ups and businesses with adverse credit may still be considered by specialist partners, but approval is not guaranteed. Our service facilitates introductions; final lending decisions rest with lenders. Check Your Vehicle Finance Eligibility.

Cost Considerations & How to Compare Offers

When comparing vehicle finance quotes, look beyond the headline monthly payment. Key elements to compare include:

• Quotation type (APR, flat rate or effective cost) and included fees
• Deposit or initial rental required
• Balloon or residual payments at term end
• Mileage allowances and excess charges
• Maintenance and servicing inclusions
• Early termination conditions and transferability

Checklist for comparing offers:

1. Request full written terms and a repayment schedule.
2. Confirm what’s included (maintenance, tyres, breakdown).
3. Check mileage and wear & tear limits for leased vehicles.
4. Ask about penalties for early settlement or replacement vehicles.

Always assess affordability and consider independent advice if unsure. Let us introduce you to lenders who understand your sector: Let Us Introduce You.

Our 4‑Step Enquiry Process

1. Complete our short online enquiry — basic business and vehicle details (takes under 2 minutes).
2. We match you to suitable brokers and lenders from our panel.
3. Selected partners contact you with tailored quotes and next steps.
4. You compare offers and proceed directly with the chosen provider.

We securely share your enquiry only with partners likely to help and you have no obligation to accept any offer. Get Started – Free, No Obligation.

Why UK Businesses Choose Fast Business Loans for Vehicle Finance

• Speed — quick matching so you get quotes faster.
• Breadth — access to lenders and brokers specialising in commercial vehicle finance.
• Sector know‑how — we match you to partners who understand your industry.
• Transparent — we are an introducer, not a lender; no hidden fees to you for the match.
• UK‑wide coverage — we support businesses across the country.

For more detailed asset funding options see our dedicated vehicle finance resource on vehicle finance for business: vehicle finance.

Frequently Asked Questions About Vehicle Finance

What types of vehicles can I finance through your network?

Our partners can consider vans, light commercial vehicles, HGVs, specialist plant and machinery, minibuses and full fleets. Eligibility depends on lender criteria, vehicle age and business circumstances. Complete a brief enquiry to see matched options.

Is Fast Business Loans a lender? Do you provide financial advice?

No. Fast Business Loans is an introducer — we connect you with lenders and brokers. We do not lend money or provide regulated financial advice. You might wish to seek independent advice before signing any agreement.

Will submitting an enquiry affect my credit score?

No. Completing our enquiry form does not impact your credit rating. Lenders or brokers may perform credit checks only if you proceed to a formal application.

Do I need a deposit for hire purchase?

Deposit requirements vary by lender, vehicle and credit profile. Some commercial HP deals can be arranged with low or zero deposit; others require 10–20% depending on risk and vehicle value.

How fast will lenders respond after my enquiry?

Responses typically arrive within hours during business hours, though more complex or larger facility requests can take longer. Your matched broker will set expectations when they contact you.

Can I refinance an existing vehicle loan?

Yes — refinancing or equity release may be possible. Some lenders specialise in refinancing commercial vehicle agreements to reduce monthly costs or consolidate facilities.

How does electric vehicle finance differ?

EV finance often considers battery life, grant eligibility and different residual values. Some lenders offer specific EV leasing packages and maintenance options to reflect lower running costs.

Next Steps: Explore Your Vehicle Finance Options Today

Ready to get tailored quotes? Complete a quick enquiry — it takes under two minutes, doesn’t affect your credit score, and we’ll match you with the best lender or broker for your needs. Suitable for funding requests from around £10,000 upwards. Get Your Vehicle Finance Quotes Now.

Fast Business Loans is an introducer, not a lender, and does not provide financial advice. We aim to be clear, fair and not misleading — always read lender terms and consider independent advice if needed.