Truck Finance & Leasing | New & Used Trucks | Doulton Bridging Finance

We provide specialist truck finance and truck leasing solutions for businesses of all sizes across the UK. Whether you are an owner-driver looking to purchase your first HGV, a haulage company expanding your fleet, or a logistics business seeking flexible leasing options, we connect you with the right funding from a carefully selected panel of commercial vehicle lenders.

We understand that keeping your trucks on the road is critical to your business. That is why we work quickly, compare rates across the whole market, and structure finance packages that work around your cashflow — not against it.

New & Used Truck Finance

Finance Available for All Types of New and Used Trucks

Whether you are buying brand new from a dealership or sourcing a quality used truck from a private seller or auction, Doulton Bridging Finance can arrange funding to suit. Our lenders are comfortable with both new and used commercial vehicles, including older assets that mainstream banks often decline.

We arrange finance for:

• New trucks from franchised dealers and manufacturers

• Used and nearly-new trucks from approved dealers

• Privately purchased used trucks

• Auction purchases and trade sales

• Fleet replacements and additions

• Single vehicle purchases and multi-unit acquisitions

Types of Trucks & Commercial Vehicles We Finance

We work across the full range of commercial trucks and heavy goods vehicles, including:

• HGVs and Artics — Class 1 tractor units, articulated lorries, and multi-axle vehicles

• Rigid Trucks — 7.5 tonne to 32 tonne rigids for general haulage and specialist use

• Flatbed Trucks — For construction, plant, and materials transport

• Curtainsider Trucks — For general freight and retail distribution

• Tipper Trucks — For construction, aggregate, and waste industries

• Refrigerated Trucks — Temperature-controlled vehicles for food, pharmaceutical, and cold chain logistics

• Box Vans and Luton Vans — For last-mile delivery and removals

• Crane Lorries and HIAB Vehicles — For specialist lifting and delivery operations

• Skip Lorries and Grab Trucks — For waste management and construction sectors

• Tanker Trucks — For fuel, liquid, and specialist cargo transport

• Low Loaders — For plant and heavy equipment transport

• Specialist and Bespoke Trucks — Custom-built and conversion vehicles considered

If you do not see your vehicle type listed, speak to our team — we consider a wide range of commercial vehicles and specialist assets on a case-by-case basis.

Truck Finance Products

Hire Purchase (HP)

Hire purchase is one of the most popular ways to finance a truck. You pay an initial deposit followed by fixed monthly payments over an agreed term, typically 12 to 60 months. At the end of the agreement, ownership of the truck transfers to you outright. Hire purchase is straightforward, predictable, and well suited to businesses that want to own their vehicles at the end of the term.

Key benefits:

• Fixed monthly payments for easy budgeting

• Full ownership at the end of the agreement

• Available on new and used trucks

• Deposit from as little as 10%

• Terms from 12 to 60 months

Finance Lease

A finance lease allows your business to use a truck over a fixed term while the lender retains legal ownership of the asset. You pay regular rental payments throughout the lease period, and at the end you have the option to extend the lease, sell the vehicle on behalf of the lender, or hand it back. Finance leases are popular with VAT-registered businesses as the rental payments are typically fully tax deductible.

Key benefits:

• Lower monthly payments compared to hire purchase

• VAT reclaimable on payments for VAT-registered businesses

• Flexible end-of-term options

• No large capital outlay required

• Available on new and used trucks

Operating Lease / Contract Hire

An operating lease or contract hire arrangement allows you to use a truck for a set period and mileage without taking on the risk of ownership. At the end of the contract, the vehicle is simply returned. This is ideal for businesses that want predictable costs, want to avoid vehicle depreciation risk, and prefer to regularly refresh their fleet with newer vehicles.

Key benefits:

• Fixed monthly cost with no depreciation risk

• Maintenance packages can be included

• Easy fleet refresh at end of contract

• Keeps vehicles off the balance sheet

• Popular for larger fleets and corporate operators

Refinance & Sale and Leaseback

If you already own trucks outright or with equity in them, refinancing or a sale and leaseback arrangement can release capital tied up in your fleet and put it back into your business. You sell the vehicle to a lender and lease it back immediately, continuing to use it as normal while freeing up cash.

Key benefits:

• Release equity from existing owned vehicles

• Improve business cashflow quickly

• Continue using your trucks uninterrupted

• Available on single vehicles and entire fleets

Bridging Finance for Truck Purchases

Short-term bridging finance can be a powerful solution when a truck purchase opportunity arises quickly — such as an auction win, a distressed sale, or an urgent fleet replacement — and permanent finance needs more time to arrange. Doulton Bridging Finance specialises in bridging loans and can move fast when speed is essential.

New & Used Truck Leasing Across the UK

Leasing a truck offers businesses a flexible and cost-effective alternative to outright purchase. Rather than tying up capital in a depreciating asset, leasing spreads the cost over the vehicle's working life and provides access to newer, more fuel-efficient, and more reliable vehicles than you might otherwise be able to afford.

Benefits of truck leasing through Doulton Bridging Finance:

• Access to a wide range of new and used trucks across all major manufacturers

• Flexible lease terms to suit your business cycle

• Fixed monthly payments for straightforward budgeting

• Option to include servicing, maintenance, and tyres

• Fleet management support available

• Suitable for sole traders, SMEs, and large fleet operators

Doulton Bridging Finance supports a diverse range of businesses requiring truck finance and leasing across England, Scotland, Wales, and Northern Ireland, including:

• Owner-operators and sole traders purchasing their first or next truck

• Haulage and logistics companies expanding or replacing fleet

• Construction and groundworks businesses requiring tippers, flatbeds, and specialist vehicles

• Waste management and recycling companies needing skip lorries, grab trucks, and refuse vehicles

• Food and cold chain businesses requiring refrigerated and temperature-controlled trucks

• Agricultural and rural businesses requiring flatbeds, livestock, and specialist vehicles

• Plant hire and heavy haulage operators requiring low loaders and crane vehicles

• Distribution and e-commerce businesses scaling last-mile delivery operations

• Start-up hauliers with limited trading history considered

Whole-of-Market Panel We are not tied to a single lender. We work with a carefully selected panel of specialist commercial vehicle finance providers, allowing us to match your requirements to the most suitable and competitive funding solution available.

New and Used Vehicles Considered Unlike some lenders, our panel is comfortable financing both brand-new trucks and older, higher-mileage used vehicles — including those that high street banks regularly decline.

Fast Decisions and Quick Drawdown We know that commercial vehicle opportunities do not wait. We work to deliver indicative terms quickly and progress applications efficiently to keep your plans on track.

Flexible Criteria We consider applications from new businesses, sole traders, businesses with adverse credit history, and those with non-standard income structures. Every case is assessed on its individual merits.

Straightforward Process We handle the paperwork, liaise with lenders on your behalf, and keep you informed at every stage — making the process as smooth and straightforward as possible.