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.
Logistics Business Loans: Fast Finance Options for UK Transport & Supply Chain Firms
Summary: Fast Business Loans connects UK logistics, haulage, courier and warehousing businesses with lenders and brokers able to provide finance from around £10,000 upwards. We match your business to suitable providers for vehicle and asset finance, invoice/freight factoring, working capital, commercial property and sustainability funding. Completing our short enquiry is not an application — it’s a no-obligation, no-impact eligibility check to help you compare options fast. Get Started — Free Eligibility Check
We’re an introducer, not a lender — we connect your business with lenders and brokers who can supply tailored quotes.
Return to Fast Business Loans homepage: Fast Business Loans
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 specialist funding matters in the logistics sector
Logistics operators face unique pressures: volatile fuel costs, driver shortages, seasonal demand spikes, complex trade paperwork and the transition to low-emission fleets. Generic lenders may overlook operational nuances that affect cash flow and security.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Specialist funders and brokers understand industry-specific risks and can match finance structures to realities on the ground. That means better chances of approval and terms aligned to cycle-driven cash flow.
- Fuel and route cost volatility — working capital buffers are often essential.
- Fleet replacement cycles — asset finance and lease options suited to resale values.
- Seasonal peaks — short-term borrowing or invoice finance to bridge billing gaps.
- EV and sustainability upgrades — specialist sustainability funds or grants combined with tailormade lending.
What types of logistics businesses we support
We help a wide range of transport and supply chain firms access appropriate finance by connecting them to experienced brokers and lenders.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Regional and national haulage operators (HGV fleets)
- Last-mile delivery and courier services
- Freight forwarders and customs-clearance businesses
- Temperature-controlled and cold-chain logistics
- Third-party logistics (3PL) and warehousing operators
- Pallet networks, port logistics and intermodal operators
Not sure we cover your niche? Free Eligibility Check
Typical funding needs across the supply chain
Below are common scenarios logistics businesses seek funding for, and the typical purposes lenders will consider.
| Scenario | Funding purpose |
|---|---|
| Fleet renewal | Vehicle purchase, hire purchase, leasing or refinance of existing vehicle debt |
| Warehouse expansion | Commercial mortgage, development finance, or asset-backed lending |
| Seasonal cash shortfall | Short-term working capital loans or invoice finance |
| Automation & racking | Asset finance for robotics, conveyor systems and material handling equipment |
| Customs duty & freight advances | Bridging finance to cover import duties or supplier prepayments |
| EV transition | Sustainability loans, equipment finance and grant-top-up packages |
Fuel price swings and seasonal demand can create recurring cashflow gaps; the right product smooths working capital without overburdening monthly repayments.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Finance options available through our UK lender & broker panel
Rates and terms vary by provider and application. Fast Business Loans introduces you to lenders and brokers who specialise in logistics finance — we do not give financial advice and do not lend directly.
Asset & vehicle finance
Hire purchase, finance lease and operating lease options for trucks, vans and specialist trailers. Typical ticket sizes: £10,000 to several million. Repayments structured to expected vehicle life and residual value.
Working capital & cashflow loans
Short to medium-term loans to smooth payroll, fuel bills and operational peaks. Flexible facilities can be arranged to match seasonal cycles. Providers consider turnover, contract visibility and payment terms.
Invoice & freight factoring
Unlock up to 85% (depending on provider) of outstanding invoices to improve liquidity. Suitable where customers pay on extended terms. Two models: disclosed factoring or invoice discounting (confidential).
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.
Commercial mortgages & warehousing finance
Funding for freehold purchases, refinancing and development projects. Lenders assess location, covenant strength and rental/occupancy projections for warehouses and logistics estates.
Sustainability & EV transition funding
Loans and leases designed for low-emission fleet upgrades, chargers and energy-efficiency projects. Some packages combine grant funding, tax incentives and lender finance to reduce upfront costs.
How Fast Business Loans matches logistics firms with lenders
Our four-step introduction process is built to save time and surface the most relevant options quickly.
- Short enquiry — you tell us a few facts about the business and the funding need via our secure form.
- Targeted matching — we use your details to connect you with brokers and lenders who specialise in your sector and need.
- Provider contact — expect a rapid response by phone or email from matched partners to discuss options and next steps.
- Compare quotes & decide — review offers and choose the one that fits your cashflow and growth plan.
Submitting an enquiry does not affect your credit rating. Compare your options — Get Quote Now
Eligibility criteria & documents to prepare
Preparing key information speeds up the matching process and strengthens terms from lenders and brokers.
Business profile
- Limited companies and established SMEs (we organise loans from around £10,000 and up).
- Typical expectations: 12+ months trading for mainstream lenders; specialist lenders may consider shorter histories with strong contracts or directors’ experience.
- Turnover and contract visibility — recurring contracts or long-term clients increase options.
Documents to have ready
- Management accounts (latest 6–12 months)
- Bank statements (3–6 months)
- Vehicle lists and valuations (for asset finance)
- Customer contracts, purchase orders or freight agreements
- Operator Licence (where applicable)
Funding timeline: from enquiry to money in the bank
Typical timeframes vary by product and underwriting complexity.
- Enquiry: complete the short form (under 2 minutes).
- Initial contact: usually within 24 hours on business days.
- Indicative offers: same day to 3 days for simple products.
- Underwriting & checks: 3–14 days depending on security, valuations and documentation.
- Drawdown: once paperwork is complete, funds can be released within 24–72 hours for many facilities.
Understanding costs, repayments and responsible borrowing
Costs can include interest, arrangement fees, valuation and documentation fees, and potential early repayment charges. Always confirm APR and total cost figures with the chosen provider.
Key questions to ask lenders and brokers:
- What is the APR and total cost over the term?
- Are there arrangement or administration fees?
- Is security required (asset, personal guarantee or property)?
- What happens during seasonal low months — can repayments be amended?
We encourage businesses to ensure affordability and seek independent advice if unsure.
Steps to strengthen your application
- Keep management accounts up to date and accurate.
- Provide clear evidence of contracts or recurring revenue.
- Show maintenance and service histories for vehicles (improves residual values).
- Demonstrate route diversity and key customer credit quality.
- Document sustainability initiatives — this can increase access to favourable EV funding.
Quick win: tidy up your business bank statements and have your operator licence ready before submitting an enquiry.
Case snapshot: How funding helps logistics operators grow
Regional haulier — fleet expansion (example)
A 35-vehicle operation used asset finance to replace older HGVs, increasing payload efficiency. Result: reduced maintenance downtime and a 20% capacity increase within 6 months.
Temperature-controlled warehouse upgrade (example)
A mid-sized cold-chain operator secured a mix of asset finance and a commercial mortgage to add 2,000 pallet spaces and automated picking. Result: new contracts with grocery chains and a 30% turnover uplift.
Frequently asked questions about logistics finance
What finance options are available to UK logistics businesses?
Asset/vehicle finance, working capital loans, invoice factoring, commercial mortgages and sustainability funding are common options. The right choice depends on purpose, security and cashflow timing.
Can start-up haulage companies apply for funding?
Some lenders and brokers consider start-ups if directors have relevant experience, strong contracts or can provide suitable security. Specialist brokers on our panel assess alternative data beyond time-trading.
How does invoice finance work for freight forwarders?
Invoice finance advances a proportion of unpaid invoices so you can access cash immediately while the provider manages collection or remains confidential depending on the product.
Do I need property security to fund vehicles?
Not always. Many vehicle purchases are funded on an asset-backed basis (the vehicle itself as security). Larger facilities or lower credit profiles may require additional security.
Will submitting an enquiry affect my credit rating?
No — completing our short enquiry is a soft, no-impact check. Lenders may perform credit checks later if you choose to proceed.
Are there options for electric or low-emission fleets?
Yes. Specialist sustainability packages, grants and tailored finance exist to help businesses transition to EVs and charging infrastructure.
Ready to secure the right logistics business loan?
Complete our short, secure enquiry and we’ll match you to brokers and lenders who best fit your business. It’s free, no obligation and does not affect your credit score.
Important information & disclaimers
Fast Business Loans introduces businesses to lenders and brokers. We are not a lender and do not offer regulated financial advice. Submitting an enquiry is not an application and does not guarantee funding or approval.
All finance is subject to eligibility, status and the provider’s terms and conditions. Ensure you review affordability and product details with the lender or broker before proceeding.
Privacy and terms: please review our Privacy Policy and Terms & Conditions for how we handle your data and make introductions.
Further reading: if you need sector-specific guidance, see our pillar guide to logistics business loans.
– What types of finance are available for UK logistics businesses?
Asset and vehicle finance, working capital loans, invoice and freight factoring, commercial mortgages and sustainability funding tailored to transport, haulage, courier and warehousing firms.
– How quickly can I get funding after I enquire?
You’ll usually hear from matched brokers or lenders within 24 hours, receive indicative offers the same day to three days, and many facilities release funds 24–72 hours after underwriting completes.
– Will submitting an enquiry affect my credit score?
No, our short enquiry is a soft, no-impact eligibility check, with any hard credit search only happening if you choose to proceed with a specific offer.
– What’s the minimum and maximum loan size you can help arrange?
Funding typically starts from around £10,000 and can extend to several million depending on the asset, turnover, security and provider criteria.
– Do you support start-up haulage or courier firms?
Yes, specialist lenders may consider start-ups where directors have relevant experience, signed contracts or suitable security.
– What documents do I need for a logistics business loan?
Prepare recent management accounts, 3–6 months of business bank statements, vehicle lists and valuations, customer contracts or purchase orders, and an Operator Licence where applicable.
– How does invoice or freight factoring work for logistics companies?
It advances a percentage of your raised invoices—often up to around 85% depending on the provider—so you can improve cash flow while clients pay on their usual terms.
– Do you offer funding for electric vehicles and sustainability upgrades?
Yes, we introduce lenders offering sustainability loans and leases for EVs, charging infrastructure and energy-efficiency projects, sometimes alongside grants or tax incentives.
– Are you a lender, and is there any obligation or fee to use your service?
We’re an introducer that connects UK logistics businesses to trusted lenders and brokers, and our eligibility check is free with no obligation to proceed.
– What costs or interest rates should I expect on logistics finance?
Costs can include interest, arrangement and documentation fees, valuations and possible early repayment charges, so always confirm APR and total cost with the lender or broker.