Vehicle Finance helps UK limited companies secure cars, vans, and commercial fleets through structured monthly payments. Whether acquiring a single vehicle or multiple units, this funding option improves cash flow, preserves capital, and supports business mobility and logistics needs.
Vehicle Finance is open to UK-registered limited companies with at least 6–12 months of trading history. Lenders evaluate financial statements, credit profile, and vehicle usage. Stronger applications may require no deposit, though a personal guarantee might still be requested.
Finance options typically range from £5,000 to £500,000, depending on vehicle type, quantity, and business credit strength. High-value or specialist vehicles may qualify for larger facilities with structured terms.
Decisions are usually issued within 48–72 hours. Once approved, payment to the vehicle supplier is often completed within 3 to 5 working days, subject to paperwork and insurance being in place.
Funding is available for new or used vehicles, including electric vans, company cars, HGVs, and specialist commercial transport. It can also cover upgrades, fit-outs, and fleet expansion.
Rates typically range from 4% to 9% APR. Terms can extend from 12 to 72 months. Options include hire purchase, finance lease, or contract hire. Balloon payments may apply at the end of term agreements.
Complete our quick online form with a few details about your business and what you need funding for. No commitment, no jargon.
A dedicated finance expert will get in touch to understand your needs and tailor options that work for your business.
We’ll match you with trusted lenders from our panel, offering competitive rates and flexible terms suited to your sector.
Review your finance offers with full transparency. We’ll guide you through the details so you can make a confident decision.
Once approved, your funds are released quickly — often within 24–48 hours — so you can get back to growing your business.
Agriculture & Natural Resources
Technology & Telecommunications
Manufacturing & Industry
Transportation & Logistics
Healthcare and Life Sciences
Entertainment & Media
Yes. Many lenders actively support sustainable fleets, and may offer enhanced terms or green finance incentives for electric vehicles.
Not always. While some lenders prefer a 10–20% deposit, others offer 100% finance depending on your credit profile and vehicle type.
Depending on the finance type, you may own the vehicle outright, return it, or refinance any balloon payment.
Yes. Modifications such as racking, liveries, or refrigeration units can often be included in the total finance amount.
Some agreements offer upgrade options during the term, particularly with lease or contract hire models.
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"Vehicle finance enables businesses to access cars, vans, or fleets through affordable monthly payments rather than large upfront costs. By using the vehicle as security, firms can conserve cash, improve liquidity, and maintain a modern, efficient fleet with predictable budgeting."
