Vehicle Finance for UK Businesses: Quick, Flexible options for vans, trucks & fleets

Summary: Fast Business Loans does not lend money — we match UK companies (minimum finance from around £10,000) with lenders and brokers that specialise in vehicle finance. Complete a short, no‑obligation enquiry and we’ll connect you with the best providers for your needs — hire purchase, finance lease, operating lease, contract hire and specialist EV/fleet options. Get started with a free eligibility check and receive tailored quotes fast.

Why vehicle finance matters for growing businesses

Buying or upgrading business vehicles is a major investment. Vehicle finance helps companies preserve capital, smooth cashflow, and access modern, more efficient vehicles — including electric vans and specialist HGVs — without paying the full purchase price up front. Whether you operate in logistics, construction, care or local delivery, the right funding can reduce downtime and improve operating margins.

• Preserve working capital: Keep cash for operations rather than locking it in assets.
• Predictable costs: Fixed monthly payments help budgeting and forecasting.
• Tax and balance-sheet options: Different finance types affect ownership and tax treatment in different ways (discuss with your accountant).
• Scale quickly: Add vehicles or replace older stock to meet demand without large upfront sums.

Get Started — Free Eligibility Check

How Fast Business Loans connects you with vehicle finance specialists

Our 4-step matching process

1. Complete a short enquiry (takes under 2 minutes).
2. We match your details to lenders and brokers who specialise in the vehicle type and sector you operate in.
3. A partner contacts you quickly to discuss options and documentation.
4. You compare quotes and choose the solution that best fits — no obligation to proceed.

What you can expect

After you submit an enquiry you’ll usually be contacted by phone or email within hours. Initial checks are non‑binding and do not affect your credit score. If you progress with a lender they may perform affordability and credit assessments with consent. Our role is to introduce you to providers who can help — we don’t offer credit decisions or direct lending.

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Vehicle finance solutions we can introduce you to

Our network includes brokers and lenders offering the full range of commercial vehicle funding. Below is an outline — terms and availability depend on lender assessment.

Want to explore tailored options for vans, HGVs or a full fleet? Compare vehicle finance formats in minutes and we’ll match you to the right specialists. For more detailed information on commercial vehicle loans and leases see our vehicle finance guidance page on vehicle finance.

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Vehicles & asset types commonly funded

Our partners arrange finance for a wide range of commercial vehicles:

• Commercial & light vehicles: Transit vans, LCVs, company cars used in operations.
• Heavy goods & specialist: Articulated trucks, refrigerated units, tippers, cranes, agricultural vehicles.
• Sustainable fleets: Electric vans, hybrid vehicles, EV chargers and conversion kits.

Can’t see your exact vehicle type? Tell us in the enquiry — we’ll connect you with niche specialists.

Check If Your Vehicle Qualifies

Eligibility snapshot: who our partners can help

Each lender or broker sets its own criteria, but typical considerations include:

No guarantees are given — matching improves your chances by targeting lenders suited to your profile.

Free Eligibility Check

What information to have ready before you apply

Preparing these details makes matching faster:

• Business details: company name, registration number, trading history, turnover.
• Vehicle details: make, model, new vs used, expected purchase price (incl. VAT if applicable).
• Financials: recent bank statements, management accounts or year end accounts.
• Director ID & proof of address for directors where required.

Providing honest, accurate information avoids delays. Initial enquiries do not affect credit scores; lenders may run checks with consent if you proceed.

Submit My Details Securely

Transparent pricing: costs, rates & repayments explained

Costs depend on the lender, your credit profile, deposit, vehicle age and term. Typical cost elements include:

• Interest or finance charges (may be fixed or variable).
• Arrangement or documentation fees.
• Balloon/residual payments at the end of some agreements.
• Maintenance or service packages (if included in contract hire).

Always compare APR, total payable and any upfront or end‑of‑term costs. Consider affordability if rates rise and consult your accountant about tax implications. Our service is free to use; any lender or broker fees will be disclosed before you sign an agreement.

See Indicative Rates

Case snapshots: how businesses used vehicle finance

These anonymised examples show typical outcomes from matching with the right partner:

• Logistics SME: Upgraded five Euro 6 trucks via hire purchase — improved compliance and reduced fuel bills, with ownership at term end.
• Trade business: Added two new vans through a finance lease to preserve working capital and spread costs over 36 months.
• Healthcare provider: Leased an electric minibus under contract hire to meet low emission zone rules with maintenance included.

Speak to a Specialist Broker

Getting started: enquiry form walk‑through

The enquiry asks for basic business and vehicle details so we can match you quickly. It takes under two minutes. We share your information only with selected lenders and brokers who are a fit for your request. Data is processed securely and in line with data protection rules.

Get Started — It Takes Under 2 Minutes

Frequently asked questions about vehicle finance

Is Fast Business Loans a lender or broker?

No. Fast Business Loans is an introducer that connects businesses with lenders and brokers who provide vehicle finance. We do not provide loans or financial advice.

What finance types can be arranged?

Partners can offer hire purchase, finance lease, operating lease, contract hire, refinancing and specialist EV funding — availability depends on the provider.

Will my credit score be affected by completing the enquiry?

No. Completing our initial enquiry does not affect your credit file. If you progress with a lender, they may perform soft or hard credit checks with your consent.

How quickly can I get a decision or funds?

Initial contact is often within hours; decisions and funding times vary by lender and the complexity of the deal. Expect faster responses for standard van finance and longer for specialist HGV or fleet deals.

Can businesses with imperfect credit still qualify?

Possibly. Some lenders and brokers specialise in adverse credit or unusual trading histories — matching increases the chance of finding a suitable partner.

Do I need a deposit?

Many products allow flexible deposit levels; some lenders require a deposit which can reduce monthly payments. Exact amounts depend on the lender and vehicle value.

Didn’t see your question? Ask us directly via the quick form.

Why choose Fast Business Loans for vehicle finance introductions?

• Fast matching to lenders & brokers experienced in commercial vehicle finance.
• Free, no-obligation service — we only introduce you to relevant partners.
• Support for EVs, fleets and specialist vehicles with partners that understand your sector.
• Secure handling of your information and clear next steps after enquiry.

Ready to accelerate your fleet plans? Start Your Vehicle Finance Enquiry

Important information: Fast Business Loans is an introducer, not a lender, and does not provide financial advice. Finance is subject to status and affordability checks. Consider whether you can afford repayments if rates rise. Our partners offer products from around £10,000 and up. For full terms and privacy details see our website.

vehicle finance

– Q: Is Fast Business Loans a lender or broker? A: Fast Business Loans is an introducer that matches UK companies with specialist vehicle finance lenders and brokers; we are not a lender and don’t provide financial advice.
– Q: Will completing the enquiry affect my credit score? A: No—our initial no‑obligation enquiry doesn’t affect your credit file, though lenders may run checks later with your consent.
– Q: Is the enquiry form an application or a no‑obligation check? A: It’s a quick, no‑obligation eligibility check used to match you with suitable providers, not a finance application or commitment to proceed.
– Q: What types of vehicle finance can you introduce me to? A: We can connect you to hire purchase, finance lease, operating lease, contract hire, refinancing and specialist EV/fleet funding options.
– Q: What vehicles and assets can be financed? A: Vans, LCVs, HGVs, refrigerated units, tippers, cranes, agricultural vehicles, company cars, electric vans and even EV chargers are commonly funded.
– Q: What are the eligibility requirements and minimum amount? A: Partners typically prefer UK limited companies with 12+ months’ trading and finance from around £10,000, though criteria vary by lender.
– Q: Do you support start-ups or businesses with adverse credit? A: Yes—some lenders and brokers on our panel specialise in start‑ups and adverse credit, and our matching helps you find the right fit.
– Q: Will I own the vehicle at the end of the agreement? A: Ownership depends on the product—hire purchase usually transfers ownership after the final payment, while operating lease/contract hire typically do not.
– Q: How quickly can I get quotes and funding? A: You’ll usually hear back within hours, with standard van finance completing faster than more complex HGV or fleet deals.
– Q: What will it cost and are there any fees? A: Rates and repayments depend on your profile, deposit, vehicle age and term; compare APR, total payable and any fees or balloons upfront, and note our matching service is free.