Vehicle Finance for UK Businesses

Find finance for vans, trucks and fleets — fast. Fast Business Loans connects UK companies with reputable lenders and brokers who understand commercial vehicles and can provide suitable finance options for your needs.

We don’t lend money and we don’t provide financial or tax advice. Our free matching service introduces your business to finance professionals who can discuss options directly with you. There’s no obligation to proceed.

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Why vehicle finance with Fast Business Loans?

Vehicles are mission‑critical in many industries. Whether you’re adding a single van or expanding a national fleet, vehicle finance helps you acquire or upgrade without draining working capital. Our role is to reduce friction and time by connecting you quickly with suitable lenders and brokers who know your sector and vehicle types.

• Free to use, with no obligation to proceed
• Quick eligibility check that won’t affect your credit score
• Matched to reputable UK brokers and lenders
• Typically hear back quickly during business hours

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How our simple process works

1. Complete a quick enquiry
   Tell us about your business, what you want to finance, and your budget. It takes less than 2 minutes.
2. We match you with trusted partners
   You’ll be connected to selected UK brokers and lenders aligned to your sector and needs.
3. Rapid response
   Expect a call or email to discuss options and indicative terms.
4. Compare and decide (no obligation)
   Proceed only if you’re happy with the solution offered.

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What is business vehicle finance?

Business vehicle finance lets your company acquire new or used vehicles (or refinance existing ones) over an agreed term. Instead of buying outright, you spread the cost to protect cash flow, keep bank lines open, and access newer, more reliable vehicles.

Common structures include:

• Hire Purchase (HP)
  Pay in instalments to own the vehicle at term end (plus any option-to-purchase fee). Payments are typically fixed; deposits may be required, depending on the lender.
• Finance Lease
  Rent the vehicle for an agreed period. You usually don’t own the asset; there may be options to extend or sell the vehicle and share proceeds per the lease terms. Often lower initial outlay than HP.
• Operating Lease / Business Contract Hire (BCH)
  Pay to use the vehicle for a set term and mileage, then hand it back. Rentals are typically lower than HP for comparable vehicles due to residual values. Maintenance options may be available.
• Contract Purchase (CP) / Lease Purchase (LP)
  Similar to HP but with a balloon payment at the end. Lower monthly payments with a larger final payment if you choose to own the vehicle.

Important: Terms, eligibility and tax/VAT treatment vary by product and business circumstances. Always confirm details with the provider and consult your accountant for tax matters. We do not provide financial or tax advice.

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What vehicles can be financed?

We connect UK companies with partners able to consider a wide range of commercial vehicles and related assets, including:

• Vans: small, medium, large, refrigerated, and specialist conversions
• Light commercial vehicles (LCVs) and pickups
• Trucks and HGVs: rigid, tractor units, tippers, skip loaders, recovery trucks
• Buses and coaches
• Taxis and private hire vehicles for business fleets
• Specialist vehicles: refuse trucks, sweepers, gritters, emergency‑service‑converted vehicles
• Trailers and semi‑trailers
• Electric and hybrid vehicles, plus charging infrastructure
• Fleet additions and refinancing of existing vehicles

Not sure if your vehicle qualifies? Send a quick enquiry and we’ll connect you with partners who can advise on your specific asset.

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Who we help

We support UK‑registered companies across many sectors, such as:

• Construction and trades (vans, plant carriers, pickups)
• Logistics, transport and courier services (LCVs, HGVs, trailers)
• Retail and wholesale (delivery vans and regional fleets)
• Hospitality and catering (refrigerated vans, minibuses)
• Agriculture and farming (utility vehicles, pickups)
• Passenger transport (coaches, minibuses, corporate fleets)
• Healthcare and community services (adapted vehicles)
• Sustainability and green fleets (EVs and charging)

We commonly see enquiries from start‑ups and growing SMEs, established firms adding or upgrading vehicles, and companies looking to refinance existing vehicles to improve cash flow.

Every lender has different appetite and criteria. Our role is to connect you with suitable partners.

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Costs and terms — what to expect

We don’t set or advertise rates. Your actual costs depend on multiple factors, such as your business profile, vehicle age and mileage, deposit, term, and product type. Typical drivers of monthly payments include:

• Deposit size: Larger deposits generally reduce monthly rentals.
• Term length: Longer terms lower monthly costs but increase total interest paid.
• Balloon/residual: Products with a balloon can lower monthlies but require a larger final payment if you choose ownership.
• Mileage and usage: For leases, mileage limits and duty cycles affect pricing.
• Vehicle age and condition: Newer assets often attract broader lender appetite.
• Maintenance: Adding maintenance can change monthly cost but smooth operating expenses.

Amounts our partners commonly consider: from £10,000 to £5 million+, depending on circumstances, vehicle type, and product. We don’t guarantee approval, funding speed or specific rates.

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Electric vehicles (EV) and greener fleets

Upgrading to lower‑emission vehicles? Some partners specialise in EV and green fleet finance, considering:

• EV vans and cars for business use
• Charging infrastructure and EV‑ready parking
• Whole‑life cost and potential residual value benefits

Notes:

• Government incentives and grants change over time and may have eligibility criteria. Check official sources for current schemes.
• Speak to your accountant before relying on incentives or tax treatment in your budgeting.
• We do not provide financial or tax advice.

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Quick eligibility checklist

You can still enquire if you don’t have everything to hand, but the following details help partners respond quickly and clearly:

• Business details: legal name, registration number, trading address, years trading
• Decision‑maker contact details
• Vehicle details: type, new/used, estimated price, number of vehicles
• Preferred finance type (if known) and desired term
• Deposit available (if any)
• Estimated annual mileage (for leases)
• Any specific needs (maintenance, seasonal payments, balloon at term)
• Credit profile notes (if there are issues, tell us — some partners can consider imperfect credit)

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When vehicle finance is a good fit

Consider vehicle finance when you want to:

• Protect working capital rather than pay outright
• Upgrade to newer, more reliable or lower‑emission models
• Maintain predictable monthly costs
• Align payments with revenue (e.g., seasonal structures)
• Keep existing bank lines free for other needs

Other funding areas our partners support include asset finance (for non‑vehicle equipment), business loans, invoice finance, and refinance solutions for improving cash flow. Tell us what you need and we’ll connect you with specialists who can help.

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Example scenarios

• Courier adds three EV vans
  A London courier with 18 months trading added three EV vans plus on‑site chargers. A green‑asset broker sourced a structured package with predictable rentals and options at term end, helping expand capacity without straining cash flow.
• Builder upgrades to two new pickups
  A regional construction firm needed two pickups with towing capability. Through a sector‑savvy broker, HP with a modest deposit and fixed terms provided ownership at the end, suitable for long‑term use.
• Coach operator refinances vehicles
  A coach operator refinanced existing vehicles to improve monthly cash flow ahead of seasonal fluctuations. The refinance aligned payments with upcoming contracts.

Illustrations only. Results vary. We don’t guarantee outcomes or terms.

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Why choose Fast Business Loans

• Fast and simple: Short enquiry; quick connections to professionals who can help.
• Trusted connections: We introduce you to reputable UK brokers and lenders.
• Sector experience: Partners who understand vehicles, fleets and specialist assets.
• Transparent and secure: We share your details only with relevant partners for your request.
• Free and no obligation: Our service is free for business owners. You choose whether to proceed.
• Real support: People on the other end of the phone to talk through options.

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FAQs — vehicle finance with Fast Business Loans

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Important information and compliance

• We’re not a lender and do not provide financial or tax advice.
• This page is designed to help you understand your options. Always read lender/broker documentation carefully.
• Eligibility, rates, fees and terms depend on your circumstances, credit profile and the chosen product/vehicle. We do not guarantee approval or funding speed.
• Enquiries via this page do not affect your credit score. Providers may conduct credit checks if you choose to proceed and will obtain your consent where required.
• For tax and VAT matters, consult your accountant. Government incentives/grants may change or have eligibility criteria — check official sources.

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About Fast Business Loans

Fast Business Loans connects UK businesses with reputable lenders and brokers across vehicle finance, asset finance, business loans, invoice finance and more. Our mission is simple: make it faster and easier to find the right finance partner for your needs.

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1) What is Fast Business Loans and how does it work?
Fast Business Loans is a free UK service that matches your business with trusted lenders and brokers via a quick enquiry so you can compare finance options and decide with no obligation.

2) Are you a lender or broker, and do you give financial advice?
No—Fast Business Loans is not a lender and doesn’t give financial advice; we introduce you to verified UK brokers and lenders who follow FCA guidelines.

3) Will submitting an enquiry affect my credit score?
No, submitting an enquiry on our site doesn’t affect your credit score, and credit checks are only carried out by a lender if you choose to proceed.

4) How quickly will I hear back and how fast can funding be arranged?
You’ll typically receive a call or email within hours (often minutes in business hours), with funding times varying by lender and finance product.

5) What loan amounts can your partners offer?
Our partners consider finance from around £5,000 up to £5 million or more, depending on your business and circumstances.

6) What types of business finance can you connect me with?
We connect UK businesses to options including business loans, cashflow loans, invoice finance, asset and equipment finance, vehicle and fit-out finance, refinance, commercial finance, and sustainability loans.

7) Which industries do you support?
We help fund businesses in construction, hospitality, retail and e-commerce, logistics and transport, healthcare, farming, manufacturing and engineering, professional services, printing and packaging, pubs and breweries, and more.

8) Do you support start-ups and SMEs or businesses previously declined?
Yes—many partners specialise in start-ups and growing SMEs, and you may still be eligible even if you’ve been refused elsewhere.

9) What information do I need to start an enquiry?
You only need basic business details, the funding amount and purpose, and your contact information, which takes about 2 minutes to submit online.

10) Does it cost anything and am I obliged to proceed?
Our matching service is free for UK business owners and there’s no obligation to accept any finance offer.