Limited Company
- Last 2 years' filed accounts at Companies House (or management accounts if the last full year was less than 6 months ago)
- Certificate of incorporation
- Proof of trading address (utility bill or bank statement)
- Director(s)' ID: passport or driving licence
- Director(s)' proof of address: utility bill or bank statement (less than 3 months old)
- 3 months' business bank statements
- UTR or company registration number
Sole Trader
- SA302 for the last 2 tax years (from HMRC online account or accountant)
- 3–6 months' business bank statements
- Photo ID: passport or driving licence
- Proof of address: utility bill or bank statement (less than 3 months old)
- UTR (Unique Taxpayer Reference) number
Partnership
- Last 2 years' partnership accounts
- All partners' photo ID and proof of address
- 3 months' business bank statements
- Partnership agreement (if available)
Vehicle Documents Needed
- Make, model, year, mileage and VIN (Vehicle Identification Number)
- Dealer details (name, address, contact)
- Invoice or pro-forma invoice from the dealer
- HPI check result (for used vehicles - confirm no existing finance and no write-off history)
What if I don't have all of these?
Many businesses don't have every document immediately to hand. As your broker, we'll advise on exactly what's needed for the specific lenders and products we're applying to - some lenders are more flexible than others, and we won't ask for documents that aren't required. If you're a newer business without 2 years of accounts, we'll advise on the best available alternatives.