Lender Spotlight

Haydock Finance - Specialist HGV Lender Spotlight

Haydock Finance is widely regarded as the UK's leading independent specialist asset finance lender for heavy goods vehicles.

Independent brokerWhole of marketNo obligation

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First name *

Last name *

Email address *

Phone number *

Business name

Truck type - make, model, approximate year

New or used?

Gross Vehicle Weight (GVW)

Body type

Do you hold an Operator Licence?

Finance type preference

Preferred term

Approximate vehicle value or budget (£)

Trading status

Years trading

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Doulton Money Limited · FCA No. 814533 · No obligation enquiry

What happens next

Fill in the form. It takes about 2 minutes.
We'll email you back with any additional questions, then match you with the right specialist for your situation.
A specialist independent broker will contact you to discuss your situation and present options.

Written by David Doulton · Last updated November 2026

Haydock Finance is widely regarded as the UK's leading independent specialist asset finance lender for heavy goods vehicles. Founded in 1980 and headquartered in Haydock, Merseyside, Haydock Finance has built its reputation on deep understanding of HGV residual values, flexible criteria and speed of decision-making. For many UK hauliers and fleet operators, Haydock Finance is the first call for truck finance.

When Haydock Finance May Be the Right Choice

Start-up hauliers (under 2 years trading) where mainstream lenders decline
Used truck finance where the asset is older or higher mileage
Specialist body types (tippers, concrete mixers, skip loaders) where mainstream lenders are cautious
Operators with adverse credit history where a bespoke approach is needed
Multi-unit fleet deals where a specialist lender's sector knowledge adds value

As an independent broker, Doulton Bridging Finance has access to Haydock Finance's full product range. We submit applications on your behalf and manage the process through to payout. We always compare Haydock against the rest of our panel to ensure you receive the most competitive rate available.

Get Indicative Terms 0204 6211776

FAQs

Frequently asked questions

Can I go to Haydock Finance directly?

Haydock Finance works primarily through the broker market, meaning most applications are submitted through brokers like Doulton Bridging Finance rather than direct from the customer.

Does Haydock Finance do new trucks as well as used?

Yes. Haydock finances both new and used HGVs. They are particularly well-regarded for used truck finance where their residual value expertise is most valuable.

How does Haydock Finance compare to Lombard or Close Brothers?

Haydock specialises in HGVs; Lombard and Close Brothers are broader lenders. Haydock often wins on used trucks and specialist body types. The best rate depends on the specific deal - we always compare.

What documentation does Haydock Finance typically require?

For limited companies: 2 years' accounts, bank statements (3–6 months), vehicle details. For sole traders: 2 years' self-assessment, bank statements. For newer businesses: a larger deposit and potentially personal guarantees.

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Doulton Money Limited t/a Doulton Bridging Finance. FCA No. 814533. Company No. 14303203. 20 Wenlock Road, London N1 7GU. Commercial vehicle finance is not regulated by the FCA. Rates indicative only. Subject to credit assessment, trading history, asset type, operator licence status and lender criteria. Rates correct November 2026.