Van finance for self-employed, sole traders and tradespeople. Independent broker. We work with lenders who accept SA302s, accounts and bank statements.
Independent brokerWhole of marketNo obligation
Get Indicative TermsDoulton Money Limited · FCA No. 814533 · No obligation enquiry
Self-employed and sole trader buyers make up a huge proportion of UK commercial van purchases - plumbers, electricians, builders, landscapers, and other tradespeople who need a van to work. Many are turned down by high-street banks because they don't have three years of company accounts. Doulton Bridging Finance works with lenders who understand self-employment and assess applications based on your real income, not just PAYE payslips.
Some lenders will consider applicants with as little as 12 months of self-employment, particularly if the application is supported by bank statements showing consistent income. The rate will reflect the shorter trading history. Contact us to discuss your situation.
No. Sole traders and partnerships can finance vans directly. The van is registered in your name as an individual or as your trading name.
Lenders assess your total income picture. If you have recently gone self-employed but have prior employment history, this can work in your favour. We'll help present your application in the best light.
Yes. As a sole trader you can claim capital allowances on a van purchased through HP, reducing your taxable profit. With finance lease, the monthly lease payments are typically an allowable business expense. Consult your accountant for personalised tax advice.
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. Finance subject to status and credit assessment.
Tell us about your requirements and we will come back with indicative terms from our panel of 130+ lenders.
