Courier and last-mile delivery fleet finance covers everything from a single self-employed driver van to a 50-vehicle Amazon DSP operation. The sector has grown rapidly and lenders with strong appetite for delivery vehicles can now accommodate franchise operators, DSP contractors and independent last-mile businesses.
Who This Finance Covers
- Amazon Delivery Service Partners (DSPs) - subcontractors running branded delivery fleets
- DPD, Evri (Hermes), Yodel franchisees - franchise operator van finance
- Independent last-mile operators - e-commerce fulfilment and white-label delivery
- Self-employed courier drivers - sole trader van finance
Amazon DSP Van Finance
Amazon DSP operators must use Amazon-approved vehicles (typically Ford Transit Custom or Mercedes Citan/Vito) and meet specific fleet standards. Lenders recognise the DSP contract as strong income evidence. Applications from established DSPs with active routing typically attract rates at the competitive end of the market.
Rate Guide - October 2026
| Operator Type | Rate Range (APR) | Term | LTV |
|---|---|---|---|
| Established DSP/franchise operator | 5-7.5% | 3-5 years | 90% |
| Independent courier fleet (5+) | 6-9% | 3-5 years | 85% |
| Self-employed sole trader | 7-12% | 2-4 years | 80% |
| Adverse credit | 11-16% | 2-3 years | 65% |
Worked Example - Amazon DSP Operator, 20 Vans
| Detail | Figure |
|---|---|
| Assets | 20x Ford Transit Custom 280 L1H1 (2024) |
| Price per vehicle | £32,000 |
| Total purchase price | £640,000 |
| Deposit (10%) | £64,000 |
| Amount financed | £576,000 |
| Term | 48 months |
| Rate | 6.5% APR |
| Monthly payment | approx. £13,680 |