HGV Finance
Finance for heavy goods vehicles from 18 tonnes to 44 tonnes. Artics, rigids, tippers, and specialist configurations from all major manufacturers. Hire purchase, contract hire, and finance lease from specialist commercial vehicle lenders.
The right structure for every HGV requirement
Articulated HGV Finance
44-tonne artics from Volvo FH, DAF XF, Mercedes Actros, Scania R/S, and MAN TGX. Finance for owner-operators, small fleets, and large logistics operations. New and used tractors and trailer packages.
Rigid HGV Finance
18t-32t rigids for general haulage, distribution, and specialist applications. Volvo FL/FE, DAF LF/CF, Mercedes Atego/Antos, and MAN TGL/TGM - hire purchase and finance lease.
Tipper HGV Finance
Construction and quarrying tippers from 8-wheel rigids through to articulated tippers. Specialist lenders who understand tipper body values and the construction sector.
Hire Purchase
Full ownership at the end of the term. Capital allowances claimable. Fixed monthly payments - the standard structure for owner-operators and fleet operators building owned assets.
Contract Hire
Fixed monthly rental including maintenance, tyres, and breakdown cover. Return the vehicle at the end of the contract. No residual value risk - predictable costs for fleet management.
Fleet Finance
Multiple HGVs financed in a single facility. Logistics businesses replacing or expanding their fleet benefit from consolidated fleet terms negotiated by a specialist broker.
How it works
Vehicle specification
HGV type, GVW, configuration (artic, rigid, tipper), manufacturer, model, year, and mileage. New or used. We identify the right commercial vehicle lenders immediately.
Competitive terms
We source hire purchase, contract hire, and finance lease terms from specialist CV lenders. Decisions typically within 24 hours for established operators.
Approval
Assessed on vehicle value, operator licence status, and business profile. New-entrant hauliers and established fleets alike - we advise on the right structure for your situation.
Delivery
We settle with the dealer or manufacturer. The vehicle is delivered and ready to work while you spread the cost over an agreed term.
Ready to discuss HGV Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Frequently asked questions
What HGV manufacturers can be financed?
All major brands - Volvo, DAF, Mercedes-Benz, Scania, MAN, Iveco, and Renault Trucks. New and used vehicles, all configurations.
Can a new haulage business get HGV finance?
Yes - specialist commercial vehicle lenders assess operator licence status, sector experience, and the business plan alongside company age. A new company with experienced directors and confirmed contracts is a viable application.
What is the typical deposit for HGV finance?
Typically 10-20% of the vehicle's value. Lower deposits are sometimes available for strong applicants with established haulage operations and good credit history.
Can I finance a trailer alongside the HGV?
Yes - the tractor unit and trailer can often be financed as a combined package in a single facility.
Is there a difference between HGV finance and standard commercial vehicle finance?
HGV specialist lenders understand the nuances of 18t+ vehicle values, depreciation patterns, and the haulage industry. They offer better terms than general commercial vehicle funders for heavy goods vehicles.
Explore related pages
Before you commit to a structure
Speak to an asset finance specialist
130+ specialist lenders. 8am-8pm, Monday-Sunday.