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Types of business loans for vans
How you finance a commercial van matters — the best option for you depends on whether you want to own the vehicle outright, keep your monthly payments low, or maintain flexibility at the end of the agreement.
Van Lease Purchasing
Lease Purchase gives you manageable monthly payments with the option to own the van at the end. Pay a deposit, make fixed monthly payments, then choose to buy the van by settling the final balloon payment, sell it to cover that amount or hand it back.
Van Hire Purchasing
You pay a deposit, then fixed monthly instalments until the van is yours — no mileage limits, no final payment. Hire Purchase is the simplest route to outright ownership and is often the most cost-effective option for businesses planning to keep their van long-term.
Van Finance Leases
Finance Lease lets you use a van over a fixed term without owning it. This is useful if you prefer to keep capital free or regularly update your fleet. Spread costs evenly across the term, or defer a portion to the end to reduce your monthly payments. At the end of the agreement, the van is returned or sold.
HOW IT WORKS
Five steps to easy vehicle finance. Find out how we get you behind the wheel of your dream vehicle below.
Contact Us
TALK TO ONE OF OUR EXPERTS
If you’re looking for a new vehicle, contact one of our experts to talk through your options. We’ll take some information from you and start looking for a suitable deal.
Approval
GET APPROVED IN PRINCIPLE
Using the details, you have provided we’ll compare deals from our panel of lenders to find the perfect deal for you and have the agreement approved in principle.
Choose Vehicle
CHOOSE YOUR VEHICLE
With your finance in place, you can choose your new vehicle with confidence. If necessary, we can also help find the specific van you want with our vehicle sourcing team.
Paperwork
WE’LL HANDLE THE PAPERWORK
Once you’ve chosen your new car we’ll work with the lender and the dealership to make sure everything runs smoothly, and the payment is made.
Drive
PUT YOUR NEW VAN TO WORK
On receipt of your new vehicle, we’ll do a final check to make sure everything is as expected, and you’re 100% happy with your purchase.
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Business van finance FAQs
Not necessarily. Unlike many high street lenders, we review every application manually — meaning your circumstances are assessed by a real person rather than an automated system.
We work with a wide range of lenders across our panel, some of whom are experienced in supporting businesses with less-than-perfect credit histories, CCJs, or previous financial difficulties.
This depends on the type of agreement and your business circumstances. Some agreements can be structured with little to no deposit, while others may require an initial payment to reduce your monthly repayments or secure more favourable terms.
We don’t operate with a rigid set of borrowing limits — the amount available to your business will depend on factors including the value of the van, the type of agreement and your business’s financial profile.
Whether you’re financing a single vehicle or an entire fleet, our team will search our panel to find the most appropriate deal for your requirements.