Van finance
Vans for every trade, funded your way.
From a single panel van to a fleet of refrigerated or tipper bodies, spread the cost and keep your cash for the job.
A more useful starting point
Van finance: what matters before you enquire
Van finance covers everything from a single work van to a multi-vehicle fleet. The useful starting point is not just the make and model; it is how the van will be used, how quickly it needs to earn, and whether the business expects to keep it at the end.
Who commonly uses it: Trades, delivery businesses, facilities teams, couriers and growing service companies commonly use van finance to add capacity without paying the full purchase price from working capital.
Routes to compare: Hire purchase can suit a van you intend to own. Finance lease can suit businesses that want predictable rentals and a planned replacement cycle. Refinance can release cash from vans already owned.
What we can fund
Common funding routes
Match the structure to the job the asset must do.
There is no universal best route. Compare ownership, useful life, deposit, payment profile, VAT, security and the end-of-term plan.
Hire purchase →
Hire purchase splits the price of an asset into regular payments. Once the final instalment and any option fee are paid, ownership passes to your business.
Finance lease →
With a finance lease you rent an asset for most of its useful life. The lender keeps legal ownership while your business enjoys full use of the equipment.
Asset refinance →
Refinancing raises funds against assets your business already owns or is still paying for, releasing equity while the equipment keeps working.
Broker tips
- ●Used vans are widely funded — have the registration and mileage ready
- ●Balloon structures can suit vans that hold their value
- ●Conversions and racking can often be included in the amount financed
Prepare a credible brief
Information that keeps the conversation moving.
- ✓Registration, make, model, age, mileage and photographs for used vans
- ✓Dealer or private-seller details, with a clear invoice or purchase trail
- ✓Conversion, racking, refrigeration or signage quote if it forms part of the purchase
- ✓A simple explanation of the work, route or contract the van will support
Plan the economics
Questions lenders and owners will care about.
- →Payload, body type and fitted equipment can matter as much as the headline vehicle price
- →Electric vans may need the battery, charger, range and operating pattern explained
- →A balloon should reflect realistic resale value and annual mileage, not just the payment target
- →For a fleet, consider whether replacement dates and payment profiles will bunch together
Typical use cases
What this can look like in practice.
Can I finance a van from a private seller?+
Often, yes, subject to lender checks on ownership and condition.
Can I include the cost of a conversion?+
Many lenders will include body work, racking or signage on the same agreement.
How do mileage and body conversions affect a van proposal?+
Mileage, payload, condition and the value of racking, refrigeration or other conversions can affect valuation, term and deposit. Include the specification and supporting invoices.
What should I compare when using a balloon?+
Compare the total payable, annual mileage, expected resale value and a credible plan for the final payment. A lower monthly payment does not remove the balloon liability.
How do I compare a balloon?+
Compare total cost and the planned final-payment strategy, not only the lower monthly instalment.
Next step
Start your quote
Tell us about the van finance you are considering. Choose phone, WhatsApp or email as your preferred contact. No credit search to enquire.
Ready to fund your next asset?
Two minutes to share the details. No credit search from this website. A broker replies during opening hours.