Transport & logistics finance

Finance that keeps you moving

We arrange the finance behind a transport and logistics business: the trucks and trailers you run, the cash flow that keeps you moving, and the yard or depot you operate from. Whole of market, built around how operators actually trade.

See the finance we arrange

At the yard

You pick the asset

£250,000 financed

On the road

It earns as you repay

The finance: We arrange it fast

£25k to £5m

Assets funded

2 to 5 yrs

Typical asset terms

Days

To a decision

Whole market

Lender panel

Whole-of-market lender panelHGV, LCV, trailers and plantFor limited companies and operatorsNo charge to enquire

What we arrange

Finance for the whole operation

From the vehicles you run to the yard you run them from, and the cash flow in between. Pick the finance that fits, or tell us the deal and we will steer you.

Fleet Asset Finance

Fleet finance and asset finance for hauliers and logistics operators. Fund trucks, vans and trailers, spread the cost and protect cash flow. Talk to us today.

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Truck HP and Leasing

Truck finance for hauliers: HGV hire purchase and leasing on new and used tractor units and rigids. Spread the cost and keep cash working. Enquire today.

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Trailer Finance

Trailer finance for hauliers and logistics operators. Fund curtainsiders, refrigerated, flatbed and specialist trailers, new or used, and keep cash working.

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Depot and Yard Mortgages

Owner-occupier mortgages for hauliers buying their own transport yard or depot. Fund hardstanding, parking, workshop and offices. From around 6%. Enquire today.

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Invoice Finance for Haulage

Invoice finance for haulage releases cash tied up in unpaid loads within about 24 to 48 hours. Factoring or confidential discounting, broker-arranged. Enquire today.

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Working Capital Finance

Working capital finance for hauliers covers the gap between weekly costs and slow customer payments. Business loans, revolving facilities and tax funding, broker-arranged.

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How it works

From enquiry to on the road

We are a broker, so the job is to match your deal to the right funder and keep it moving. Four steps, no jargon.

Tell us the need

A new tractor unit or trailer, a fleet refresh, a yard to buy, or cash flow to smooth. We start from your operation, not a product.

We place it with the right funder

We take the case to the lenders whose criteria fit the asset, the term and your trading record, then compare the terms that come back.

You take delivery or draw the funds

The truck goes on the road, the yard completes, or the facility is drawn. We keep the paperwork moving so you are not held up.

You repay as it earns

Payments are spread over the working life of the asset or the life of the facility, so the finance is paid from what the business earns.

Why operators use finance

Keep your cash working, not tied up

Vehicles, premises and cash flow are the three places a transport business gets stretched. The right finance spreads the cost so the operation keeps running.

Grow the fleet without draining cash

Hire purchase and leasing spread the cost of trucks and trailers over the years they earn, so a new vehicle does not swallow your reserves.

Bridge long debtor days

Invoice finance releases the cash tied up in unpaid haulage invoices, so you can pay drivers and fuel before the shipper pays you.

Own your operating base

Owner-occupier mortgages and short-term bridging let a transport operator buy the yard or depot they run from, rather than rent it.

Cover peaks and the bills

Working capital funds fuel, wages, maintenance and seasonal swings, so a busy quarter or a slow payer does not stall the operation.

Rates & costs

How the finance is priced

Every facility is priced for what it funds. Asset finance is set against the vehicle or trailer and your trading record, a depot mortgage on the property and the covenant, and a short-term facility on the exit. Because we work across the market, we place each case with the funder whose terms fit.

Asset finance

Hire purchase or leasing, typically over 2 to 5 years, priced on asset age, deposit and covenant

Depot or yard mortgage

Owner-occupier terms from around 6%, typically 65% to 75% LTV, up to 20 to 25 years

Bridging

0.75% to 1.1% per month for a fast purchase, repaid on sale or refinance

Invoice finance

Up to about 85% to 90% of an approved invoice, released in around 24 to 48 hours

Fees

Arrangement and, where a lender needs them, valuation and legal costs, set out before you commit

Illustration: a truck on hire purchase

£120,000

Asset price

£108,000

Amount financed

On a £120,000 tractor unit with a 10% deposit, hire purchase spreads the remaining £108,000 over the term you choose, commonly 3 to 5 years, so the truck earns while you pay for it. The exact rate depends on the asset, the deposit and your trading record. This is an illustration, not a quote.

The overview

Commercial finance for transport and logistics

Transport and logistics businesses carry heavy, moving costs: the vehicles that do the work, the base they run from, and the wages and fuel that go out long before the shipper pays. We arrange the finance that spreads those costs so an operator can grow without draining its reserves.

Finance for the vehicles you run

Most operators fund trucks and trailers with asset finance. Hire purchase spreads the cost of a vehicle over the years it earns and leaves you owning it at the end, while a lease or contract hire keeps the outlay lower and hands the asset back at the term end. Both work for new and used HGVs, vans, tractor units, rigids and trailers, so the vehicle can be earning revenue while you pay for it rather than tying up a large lump of cash.

Finance for the base you operate from

When an operator wants to stop renting and own its yard or depot, an owner-occupier commercial mortgage funds the purchase over the long term, and bridging can complete a fast or competitive purchase that is later refinanced onto a mortgage. We keep this to the operating business buying premises for its own use, such as a transport yard with hardstanding, parking, a workshop and offices.

Finance for the cash flow in between

Haulage runs on long debtor days. Drivers, fuel and maintenance are paid weekly, but shippers and freight platforms often pay in thirty to sixty days or more. Invoice finance releases the cash held in unpaid invoices soon after you raise them, and working capital facilities cover fuel, wages and seasonal peaks, so a busy month or a slow payer does not stall the operation.

Whole of market, on your side

We are a broker, not a lender. We take your case to the funders whose criteria fit the asset, the term and your trading record, then compare what comes back so you can choose on the numbers. Commercial lending to a limited company is unregulated, and any figures we quote are indicative and subject to status, asset and valuation. Nothing here is financial, tax or legal advice.

FAQ

Transport and logistics finance FAQs

What finance do you arrange for transport and logistics businesses?

We arrange asset finance for trucks, trailers and mixed fleets, owner-occupier mortgages and bridging for operators buying their own yard or depot, and invoice finance and working capital to smooth cash flow. We are a broker, so we place each case with the funder whose terms fit the deal.

Do you lend the money yourselves?

No. We are a finance arranger and introducer, not a lender. We take your case to lenders across the market, compare the terms they offer and help you choose. Commercial lending to a limited company is not regulated by the Financial Conduct Authority.

What is the difference between hire purchase and leasing for a truck?

With hire purchase you pay a deposit and instalments and own the vehicle at the end after a final payment. With a lease or contract hire you rent the vehicle for lower outlay and hand it back or renew at the end. Which suits you depends on cash flow, tax position and whether you want to keep the asset.

Can I finance a used truck or trailer?

Yes. Lenders finance used vehicles and trailers as well as new ones, though the age of the asset affects the term and the rate available. Tell us the make, model, year and mileage and we will find funders comfortable with that asset.

Can a transport operator buy the yard or depot they trade from?

Yes. An owner-occupier commercial mortgage lets a trading operator buy its own base, and bridging can complete a purchase quickly and be refinanced onto a mortgage afterwards. We keep this to the operator buying premises for their own use, rather than property investment.

How quickly can finance be arranged?

Asset finance decisions can come back within days once we have the asset details and your accounts. Property finance takes longer because of valuation and legal work. Tell us your timescale at the start and we will be honest about what is realistic.

Ready when you are

Tell us what you need to fund

A truck, a trailer, a fleet, a yard, or the cash flow to keep moving. Send us the details and we will come back with indicative terms. There is no charge to enquire.

How it works