Finance that keeps your fleet on the road.
From single-vehicle owner-operators to growing 50-vehicle fleets, we fund the vans, HGVs and trailers that move British business — without the bank's three-week wait.
£62m+
Funded for transport operators
11 days
Average van delivery → road
10%
Typical deposit on prime LCV
9.4 / 10
Operator satisfaction
If it earns its keep, we've probably funded one.
Vans (LCV)
Sprinters, Transits, Crafters, Movanos, Boxers — new, ex-demo or used. From single-vehicle to 30-strong rentals.
HGVs
Rigids, tractor units, curtain-siders, tippers, Hiab cranes, refuse trucks. Euro 6 and Euro 7-ready stock.
Refrigerated
Reefer vans, fridge trailers, multi-temp bodies. Sector-specialist lenders with cold-chain experience.
Trailers & bodies
Curtain-siders, tippers, low-loaders, tankers, walking-floors. Funded separately or alongside the unit.
Conversions & specialist
Tail-lifts, racking, signwriting, telematics, refrigeration retrofits. Built into a single agreement.
Used vehicles
Up to 8 years old at end of term. Auction, dealer, private sale or part-exchange — all fundable.
How transport & logistics deals usually structure.
Typical ticket
£28k – £180k per vehicle
Range we fund
£8k single van → £1.8m fleet drawdown
Term
36 – 72 months
Deposit
0 – 15% (10% typical)
Structure
Hire purchase most common; finance lease for VAT-spread; sale & leaseback to release cash from owned fleet.
The usual pain.
Banks see 'high risk'
Algorithm-led credit teams treat haulage as adverse — even with strong contract evidence. We use specialist lenders who underwrite the operator, not the SIC code.
Stock is moving
By the time the bank approves, the vehicle's been sold to someone else. We turn approvals around in 24 hours and pay the dealer the next morning.
VAT bill kills cash flow
20% VAT on a £180k drawdown is £36k upfront. We can negotiate VAT deferral or roll the VAT into the agreement.
How we structure it.
Vehicle-specialist lenders
We work with funders who do nothing but transport — they understand O-licence, tachograph, MOT history and resale values.
Forward order book underwriting
Won the contract but accounts don't show the revenue yet? Three of our lenders underwrite on signed contract evidence.
Multi-vehicle drawdowns
Need 6 vans across 3 dealers? One agreement, one direct debit, staged drawdowns. The dealer relationships are ours.
A real transport & logistics deal we placed.
£186,000
£186k for a 6-van last-mile fleet expansion
An e-commerce contract win required six new Mercedes Sprinters on the road inside three weeks. The bank quoted six weeks and asked for a 30% deposit the business couldn't spare.
Read the full storyHelpful next steps for transport & logistics businesses.
Explore the asset, agreement type, planning tools and guide most relevant to the equipment you are considering. The case study above shows a real example from this sector.
HGV finance
Funding considerations for trucks, trailers and heavy commercial vehicles.
ExploreVan finance
Explore finance structures for LCVs, fleet additions and used vans.
ExploreVehicle finance
Compare routes for business vehicles and fleet assets.
ExploreHire purchase
Understand an ownership-transfer finance structure for business assets.
ExploreMonthly-cost calculator
Model indicative repayment scenarios before making an enquiry.
ExploreHP and finance lease guide
Read a plain-English comparison of two common structures.
ExploreQuestions transport & logistics customers ask.
Can I finance a used HGV?
Yes — most lenders will fund vehicles up to 6 years old with a balance to pay off at the end of term, and a few will go to 8 years on the right asset. We'll match you to the lender most comfortable with the age and provenance.
Do I need an O-licence to apply?
For HGVs over 3.5 tonnes, yes — the lender will want sight of your operator's licence (or a credible application). For LCVs and 3.5-tonne tippers no O-licence is required, just a CPC and the company VAT registration.
Can finance include signwriting, telematics and tail-lifts?
Yes. We build the conversion costs into the same agreement as the chassis so you have one direct debit covering the whole package, including any signwriting, racking, telematics or refrigeration kit.
What if the vehicle hasn't been built yet?
Common with HGVs and refrigerated vehicles where there's a 12–20 week build slot. We can issue a credit-approved facility and pay the deposit to secure the build slot, with the balance drawn on delivery.
Ready to fund the next bit of transport & logistics kit?
Tell us about your asset and business circumstances to discuss suitable funding options. Read our commission disclosure.
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