Commercial Vehicle Finance UK - Vans, HGVs, Trucks

Finance for Every Commercial Vehicle

Whether you need to finance a single Transit van or a fleet of 44-tonne artics, we arrange hire purchase, finance lease and contract hire from a panel of lenders that includes Close Brothers, Lombard, Shawbrook, Aldermore, United Trust Bank and specialist SME lenders. We are not tied to any single lender, so we find the most competitive deal for your specific circumstances.

Vehicle Categories We Finance

Vehicle Type	Typical Finance Range	Common Structures
Light commercial vans (up to 3.5t)	£8,000 – £60,000	HP, Finance Lease, Contract Hire
Rigid lorries (7.5t – 26t)	£25,000 – £120,000	HP, Finance Lease
Articulated tractor units (44t)	£60,000 – £200,000+	HP, Finance Lease, Balloon HP
Trailers (curtainsiders, flatbeds, tippers)	£15,000 – £80,000	HP, Finance Lease
Specialist (refrigerated, tankers, HIAB)	£30,000 – £250,000+	HP, Finance Lease
Electric / zero-emission vehicles	£40,000 – £180,000	HP (FYA eligible), Finance Lease

Lender Panel Overview

Our lender panel includes mainstream asset finance houses and specialist commercial vehicle funders. Key names include: Close Brothers Asset Finance (strong on adverse credit and older vehicles), Lombard (NatWest) (competitive rates for established businesses), Shawbrook Bank (flexible on structures including balloon HP), Aldermore (good for start-ups and sole traders), and United Trust Bank (specialist in complex and non-standard cases). We also access smaller specialist lenders not available to high-street banks.

Indicative Rate Snapshot - October 2026

Profile	Vehicle Type	Indicative Rate	Typical Deposit
Established business, good credit	New van / LCV	5.9% – 7.5% APR	10%
Established business, good credit	New HGV / tractor unit	6.5% – 8.5% APR	10%
Start-up or <2 years trading	Used van	9% – 14% APR	20%+
Adverse credit / CCJ	Used HGV	12% – 18% APR	20%–30%

Commercial Vehicle Guides

Industry Fleet Finance

Specialist Vehicle Finance

Lender and manufacturer finance compared

Each lender's rates, criteria and when it fits, plus manufacturer finance against an independent broker, October 2026.

Close Brothers Tanker Finance Rates

Commercial Vehicle Tax Guides

Commercial vehicle finance by vehicle type

Frequently asked questions

What types of commercial vehicle can you finance?

We finance the full range: vans and LCVs, rigid lorries, articulated tractor units, trailers, tipper trucks, refrigerated vehicles, tankers, HIAB cranes and electric commercial vehicles. Both new and used vehicles, from single assets to fleet programmes.

How long does commercial vehicle finance approval take?

For straightforward applications with established businesses and good credit, decisions can come within hours and funds can be released within 24–48 hours. More complex cases or higher-value transactions may take 3–5 working days.

Do you finance commercial vehicles for new businesses?

Yes. While start-up financing is more restrictive, we have lenders who will consider new businesses, including sole traders and recently formed limited companies. A higher deposit (typically 20%+) and a director personal guarantee are usually required.

Can I get commercial vehicle finance with bad credit?

Yes in many cases. We work with specialist adverse credit lenders who consider applications from businesses with CCJs, defaults or prior insolvencies. The rate will be higher and the deposit requirement larger, but finance is often still available.

What is the minimum finance amount you arrange?

We typically work with finance from £5,000 upwards, though our sweet spot is £20,000 to £5 million. For very small amounts, a business loan or overdraft may be more cost-effective.

Commercial Vehicle Finance UK - Vans, HGVs, Trucks & Specialist Vehicle Finance