Commercial Vehicle Finance

Commercial vehicle finance for vans, pickups, tippers, HGVs and trailers, so hauliers, contractors and delivery firms can add or replace vehicles on fixed payments and keep working capital for fuel, wages and growth.

Vans, trucks, HGVs and trailers
New and used vehicles
From £1,000 with no upper limit

Quote for my vehicles Talk about your fleet

Fleet manager walking past a row of white lorries in a truck yard, arranged through commercial vehicle finance

Vehicles we cover with commercial vehicle finance

From one panel van to a fleet of artics, we fund vehicles bought from main dealers, independents and auctions. Looking for a company car or a single van on standard terms? Our vehicle finance page covers cars and vans for everyday business use.

Small and medium vans

Panel vans and crew vans for trades, field engineers and local deliveries, diesel or electric.

Large vans and Lutons

Long wheelbase vans, Luton bodies and tail lift vehicles for removals, couriers and parcel work.

Pickups and 4x4s

Double cab pickups and working 4x4s for farms, estates, utilities and construction sites.

Tippers and dropsides

Tippers, caged tippers and dropsides for groundworks, landscaping and builders' merchants.

Rigid HGVs

7.5 tonne to 32 tonne rigids, including curtainsiders, box bodies and hook loaders.

Tractor units

New and used tractor units for general haulage, bulk, tanker and specialist work.

Trailers and bodies

Curtainside, flatbed, low loader and refrigerated trailers, plus refrigeration units and specialist bodies.

Telematics and charging

Trackers, cameras and depot charge points fitted alongside the vehicles.

Vehicle tracking finance

Row of white delivery vans parked side by side at sunrise

Operators who use truck finance

Vehicles are often the largest asset an operator owns. Spreading truck finance and van finance over a fixed term keeps the fleet working while cash stays free for the costs that come with every mile.

Hauliers

Tractor units and trailers for new contracts.

Couriers and delivery firms

Vans and Lutons for multi drop work.

Tradespeople

A first van or a crew van for a growing team.

Construction and groundworks

Tippers, dropsides and hook loaders.

Food distributors

Refrigerated vans, rigids and trailers.

Agriculture and estates

Pickups, 4x4s and livestock bodies.

Three ways to structure HGV finance and van finance

The right agreement depends on mileage, how long you keep each vehicle and whether you want to own it. Operators running goods vehicles over 3.5 tonnes should also check the government's rules on goods vehicle operator licences.

Hire purchase

Pay a deposit, spread the balance and own the vehicle after the final payment. Common for vans and trucks kept for many years.

Best for vehicles you plan to run until they are worn out.

How hire purchase works

Finance lease

Fixed rentals with an optional balloon to lower payments. Rentals are usually a business expense, and the vehicle can be sold at the end.

Best for fleets that are replaced on a regular cycle.

How a finance lease works

Asset refinance

Release cash from trucks, trailers and vans you own outright while they stay on the road.

Best for operators funding growth or a new contract.

How asset refinance works

From dealer order to keys in hand

Vehicles with a build slot or an auction deadline need quick decisions, so we keep each commercial vehicle finance application moving from the first call.

Step 1

Find your vehicles

Send the dealer's order form, auction listing or a spec of what you need, including bodywork.

Step 2

We search the panel

We present your application to lenders who fund vans, trucks and trailers, new or used.

Step 3

Sign online

Choose the offer and sign digitally, so paperwork does not hold up collection.

Step 4

Dealer is paid

The lender pays the dealer, and the vehicle can be registered and handed over.

Example: a haulier winning a new contract

A regional haulier has secured a three year distribution contract that needs two extra tractor units and three trailers. Buying them outright would tie up the cash the business needs for fuel, drivers and tyres in the first months.

Using commercial vehicle finance over five years, the vehicles are on the road for the first collection, and the payments sit comfortably within the contract rate. Our guide to fleet solutions for growing businesses covers this kind of expansion.

Capital allowances and rentals can often reduce the tax bill, as our tax relief page explains, and vehicle finance for businesses covers smaller fleets.

Check my monthly cost

Typical contract fleet

Two used tractor units£110,000

Three curtainside trailers£66,000

Telematics and cameras£4,000

Total funded£180,000

These figures are for illustration only. Actual costs depend on the lender, the vehicles and the term agreed.

Commercial vehicle finance questions

Our full FAQs answer general questions on deposits, terms and eligibility.

Useful downloads

Commercial vehicles brochure Benefits of leasing Leasing FAQs

Thinking about electric vans? See how we fund EV charging points for depots.

Can I get truck finance for a used vehicle?

Yes. Many lenders fund used trucks and trailers from dealers and auctions, with the term set by age and mileage so the agreement ends before the vehicle is too old.

Can bodywork and conversions be included?

Usually, yes. Tippers, refrigeration units, racking and specialist bodies can normally be included when they are on the dealer's or converter's invoice.

Does the finance include maintenance or road tax?

Running costs are normally separate. Vehicles must stay roadworthy throughout, and the DVSA sets the testing and inspection standards for HGVs.

Can a new haulage business get HGV finance?

Some lenders support new operators, particularly with an operator's licence in place, driving experience and a contract or customer base. Our start up funding page explains more.

Can I fund plant and vehicles on one agreement?

Often, yes. Contractors buying a tipper and an excavator together can see the machinery side on our plant machinery finance page.

How many vehicles can be funded?

There is no set limit. Commercial vehicle finance starts at £1,000 and can cover a single van or a full fleet, subject to status.

Ready to add vehicles to your fleet?

Send us the order form, auction listing or the spec you have in mind.

We will arrange commercial vehicle finance and reply within 24 hours.

Get a vehicle quote Call 0191 250 1550