Car & Van Finance

Flexible vehicle funding for your business

Get the cars and vans your business needs — without tying up your working capital. We’ll help you spread the cost with structured finance that suits your cashflow, vehicle type and business goals.

No obligation, no impact on your credit score to make an initial enquiry.

Why Choose Vehicle Finance?

Purchasing cars or vans outright can put a large strain on your business cashflow — especially if you need multiple vehicles or a newer, more reliable fleet. With car and van finance:

Whether it’s a single company car or a fleet of vans for your team, we’ll tailor a finance solution around your needs and your business’s financial profile.

What We Finance

We can help you fund:

The right vehicle finance option depends on how you want ownership, cashflow impact, tax treatment and flexibility — and we’ll take time to explain it clearly.

Our Vehicle Finance Options

Hire Purchase (HP) – Own It at the End

With a Hire Purchase agreement, you’ll spread the cost of your car or van over regular monthly payments.

This is one of the most popular routes for businesses that intend to keep their vehicles long term.

Lease Finance – Use Without Upfront Costs

Leasing lets you use the vehicle for a fixed term with regular payments but typically without paying VAT upfront.

Finance leases can be ideal if you prefer operational flexibility and want to keep cashflow free.

Refinance – Release Capital from Existing Vehicles

Already have vehicles on finance? You might be able to restructure or refinance those agreements:

How Our Process Works

Tell us a bit about your business and the type of cars or vans you’re looking to finance. It only takes a minute and won’t affect your credit score.

One of our experienced finance advisors will call you to discuss your goals, vehicle specs, and business situation. We’ll explain your options in straightforward terms.

We access a wide panel of specialist UK lenders — not just one source — to find competitive rates and flexible terms.

Once you’re happy with a quote, we handle the paperwork and keep you updated through to fund release or vehicle delivery.

Benefits of Vehicle Finance

Instead of a large one-off payment, you spread the cost monthly — keeping funds available for growth.

Choose terms and structures that suit your cashflow and business cycle.

Grow or update your fleet without delaying purchases due to funding constraints.

We explain all your options and recommend the best route for your business.

Still Not Sure What’s Best?

Whether you’re comparing Hire Purchase vs Lease finance, unsure about monthly costs, or have been declined elsewhere — we can help review your situation and find a workable solution.

FAQs — Car & Van Finance

Do you finance electric vehicles?

Yes — we can arrange finance for electric and hybrid vehicles alongside traditional petrol and diesel models.

Will applying affect my credit score?

Initial enquiries are soft checks only and won’t affect your credit score. Lenders may perform detailed checks once you proceed with a full application.

How long do agreements typically last?

Terms are usually between 24 and 72 months, depending on vehicle age, type and your business’s financial objectives.

Can I refinance existing vehicle finance?

Yes — refinancing (or sale-and-lease-back) can help restructure costs, free up cash or consolidate payments.

Ready to Get Started?

Make an Enquiry