Truck Finance Rates

New Business Truck Finance - Haulage Start-Up Finance Guide

Starting a haulage business and financing a truck as a new company presents specific challenges.

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Written by David Doulton · Last updated November 2026

Starting a haulage business and financing a truck as a new company presents specific challenges. Most mainstream lenders want to see 2 years' filed accounts before lending against an HGV. However, specialist lenders and focused approaches can unlock finance for well-prepared start-up hauliers. This guide explains what you need to demonstrate.

Step-by-Step: Getting Ready to Apply

1Obtain your CPC qualification (Transport Manager Certificate of Professional Competence) or appoint a qualified TM
2Apply for your Operator Licence through DVSA/DVLA - allow 8–12 weeks
3Open a business bank account and establish a trading history
4Secure a first customer contract or letter of intent
5Prepare a business plan with revenue and cost projections
6Contact Doulton Bridging Finance - we will guide you through the most suitable approach

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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.

New Business Truck Finance - Haulage Start-Up Finance Guide

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Step-by-Step: Getting Ready to Apply

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