We’re an introducer — not a lender or financial adviser. Fast Business Loans matches your business with verified UK lenders and brokers. Completing an enquiry does not affect your credit score. We use the information you provide to find the best matches — enquiries are free and no obligation. Lenders may perform credit and affordability checks if you proceed with an application.

Why logistics businesses need tailored finance

Logistics operators face particular cashflow pressures: fuel price volatility, vehicle maintenance and replacement cycles, driver wage costs, seasonal peaks and investments in warehousing technology. Regulatory changes such as emissions targets and requirements for telematics can require capital quickly.

Different subsectors — road haulage, 3PL, cold chain, courier services and freight forwarders — have varied funding needs. A one-size-fits-all lender often won’t understand your contracts, debtor cycles or asset values. That’s where specialist finance options and broker expertise help reduce risk, speed approval and deliver better terms.

What can logistics funding cover?

Funding for logistics businesses can be tailored to many operational and growth needs. Typical uses include:

• Fleet expansion or replacement — buy or refinance HGVs, vans or specialist refrigerated units; finance EV and low-emission upgrades.
• Working capital — cover payroll, fuel, insurance and shortfalls during slow-paying clients or seasonal demand.
• Invoice finance & factoring — unlock cash tied up in unpaid invoices to smooth cashflow.
• Warehouse fit-outs and automation — fund racking, conveyors, robotics and climate control installations.
• IT systems — invest in TMS/WMS, telematics and back-office upgrades that improve efficiency.
• Short-term bridging — temporary finance for new contracts or hub expansion before revenues mature.

Get Started — Free Eligibility Check to see which options match your needs.

For broader industry insight see our pillar on logistics business loans.

Types of logistics business finance we can introduce

Unsecured & secured business loans

Flexible loans for working capital or growth. Secured loans typically offer lower rates against business assets; unsecured loans can be faster but usually cost more. Typical sizes from around £10,000 upwards.

Asset & fleet finance

Hire purchase, finance leases and refinance solutions that let you acquire or refinance vehicles and equipment while spreading costs over the asset’s life.

Invoice finance & factoring

Convert unpaid invoices into immediate cash. Useful for businesses with long payment terms from large clients.

Equipment & warehouse fit-out finance

Loans or leasing for racking, automation, refrigeration and specialist installations, often structured to match asset lifetimes.

Short-term working capital

Revolving facilities and short-term loans to cover seasonal peaks, new contract onboarding or supplier payments.

Green & sustainability loans

Funding for low-emission vehicles, EV chargers or energy-efficiency upgrades. Some lenders and brokers can help identify grants alongside finance.

Get a Quote Now — complete a short enquiry and we’ll match you to lenders and brokers who specialise in these products.

How our logistics funding matchmaking works

1. Short enquiry: Tell us about your business, funding need and amount (takes under 2 minutes).
2. Targeted match: We share your details securely with selected lenders/brokers that suit your profile.
3. Rapid response: A matched provider will contact you to discuss options and next steps.
4. Compare & decide: Review offers and choose to proceed with any provider — you’re under no obligation.

We aim to match you quickly; many businesses hear back within hours during business times, depending on provider workload and case specifics.

Get a Logistics Loan Quote

Eligibility criteria for UK logistics finance

Each lender has its own requirements, but common expectations include:

• Minimum trading history — many lenders prefer established businesses, although some lenders work with newer businesses.
• Minimum lending sizes — we typically introduce loans from around £10,000 upward.
• Business structure — limited companies and partnerships are common borrower types.
• Turnover and profitability — lenders assess turnover, margins and contract stability.
• Credit profile — some partners accept adverse credit and specialist circumstances.
• Documentation — management accounts, aged debtors, fleet lists, and major contract details help speed decisions.

Complete a Free Eligibility Check and we’ll indicate which providers are most likely to be interested.

Understanding costs, rates and repayment considerations

Rates and fees vary by product and provider. Key factors that influence cost include product type (secured vs unsecured), asset values, borrower credit profile and loan term.

Expect to see fixed-rate and variable-rate options, arrangement fees, and in some cases early-repayment charges. Repayment terms can range from short (months) to long (asset life). Always compare APR, fees and flexibility before committing.

We do not guarantee approvals or rates — matched providers will provide personalised terms after review.

Why logistics firms choose Fast Business Loans

• Sector focus: We match you with lenders and brokers experienced in transport and logistics.
• Speed: A short enquiry quickly connects you to relevant partners.
• Save time: Avoid contacting multiple providers — we shortlist suitable matches for you.
• Free & no obligation: Our service costs nothing to use and doesn’t commit you to any lender.

We help UK hauliers, couriers and warehousing firms compare options faster so they can keep operations moving. Free Eligibility Check — Start Now

Real-world logistics funding scenarios

Regional haulage fleet upgrade: A medium-sized haulier needed refrigerated vehicle renewals. Asset finance matched life-of-vehicle terms, spreading cost while preserving cashflow.

Courier business scaling: A growing last-mile operator used invoice finance to unlock cash from large retail customers and fund driver recruitment during peak season.

Warehouse modernisation: A 3PL secured a secured loan to install automated racking and a new WMS, increasing throughput and winning new contracts.

Each scenario required tailored terms — complete a Get Quote Now enquiry to see what could work for you.

How to strengthen your logistics finance application

• Keep up-to-date management accounts and aged debtor reports.
• Provide a clear list of fleet assets and ages.
• Show major client contracts and expected payment terms.
• Demonstrate compliance — maintenance records, driver certifications and insurance.
• Highlight efficiency or sustainability initiatives (EV adoption, telematics) — these can unlock specialist funding.

Brokers can help package your case and identify the most suitable lenders. Speak to a specialist — Get Started

Responsible finance reminder

Consider affordability and the long-term impact of borrowing. Lenders will assess your ability to repay and may carry out credit checks and affordability assessments if you progress an application. If unsure, seek independent financial advice.

Fast Business Loans introduces you to lenders and brokers; we do not provide loans or financial advice and do not guarantee outcomes.

Logistics finance FAQs

Can I get logistics finance with seasonal or fluctuating revenue?

Yes. Many lenders and invoice finance providers understand seasonal cashflow cycles in logistics. Invoice finance, seasonal working capital facilities or tailored repayment schedules can bridge peaks and troughs. Complete a Free Eligibility Check to be matched with providers used to seasonal trading.

Do you help businesses with limited trading history?

Some lenders specialise in newer businesses, but options are more limited compared with established firms. Asset finance and certain lender panels may consider start-ups if management experience and contracts are strong. Fill in our short enquiry to see matched options.

How quickly could I access funds after applying?

Timing depends on product and provider. Asset finance or invoice facilities can be arranged in days to weeks; secured loans or complex borrowing can take longer. Matched brokers will give realistic timelines once they review your details.

Will loans cover fuel and driver wage increases?

Working capital products and unsecured business loans can be used for operational costs including fuel and payroll. Speak to a specialist via our Free Eligibility Check to find suitable working capital solutions.

What credit checks happen and when?

Submitting an enquiry to Fast Business Loans does not affect your credit score. Lenders or brokers may perform affordability and credit checks if you decide to proceed with a formal application — you will be informed before any checks take place.

Do you support eco-friendly fleet upgrades?

Yes. We can introduce you to lenders and brokers offering green loans, asset finance for EVs and funding packages that consider grant support and lower-emission technologies.

For tailored matching, complete a short Free Eligibility Check now.

Ready to keep your logistics operation moving?

Complete our short enquiry and we’ll match you to lenders and brokers who understand logistics and transport finance. It’s free, quick and no obligation.

Get Quote Now