Do you finance commercial vehicles and fleets?
Short answer — yes, we can help you find finance for commercial vehicles and fleets.
Best Business Loans does not lend directly, but we introduce UK businesses to lenders and brokers who finance cars, vans, HGVs and full fleets. Our AI-driven matching connects you with specialist vehicle and fleet finance providers who may offer hire purchase, leasing, asset finance and fleet funding. Complete a Quick Quote to see which providers match your needs and get an initial indication of eligibility.
Who we are and how we work
Best Business Loans is an independent introducer that helps established UK businesses find appropriate commercial finance. We use AI to analyse your business profile and match you to lenders and brokers that actually lend to businesses like yours.
We do not supply loans, provide personalised regulated advice, or underwrite credit decisions ourselves. Any finance offer comes directly from an approved lender or authorised broker; you remain in control of the final choice and contract.
We aim to save time by shortlisting realistic options and reducing unsuccessful applications. If you want a quick eligibility check or Decision in Principle, submit our Quick Quote form and we’ll match you to suitable providers.
Types of commercial vehicle and fleet finance we can help you access
There are several common finance products for vehicles and fleets and different providers specialise in different solutions. We match your enquiry to the right product type and lender based on vehicle type, business sector and funding goals.
- Hire Purchase (HP) — spread the cost of a vehicle with ownership transferred after the final payment.
- Finance Lease — contract hire style funding for business use where the asset is leased, not owned.
- Operating Lease / Contract Hire — off-balance-sheet rental with maintenance options for whole-fleet management.
- Asset Finance & Hire Purchase for specialist equipment and vehicle conversions; see our equipment finance page for related options: Equipment Finance.
- Fleet Funding Facilities — revolving arrangements designed for multi-vehicle fleets and scaling growth.
- Refinance and restructuring — refinance existing vehicle finance to improve cash flow or consolidate facilities.
Different lenders will quote different terms, deposit requirements and mileage or maintenance restrictions, so comparing matched offers is important. We help you compare options and understand typical commercial terms before you apply.
Who can borrow and typical eligibility criteria
Most vehicle and fleet finance is available to established UK businesses, typically limited companies and partnerships with a trading history. Lenders commonly ask for at least 12 months of trading and basic financial information such as turnover and profitability.
Key factors lenders consider include business credit history, director credit files, the vehicle type and age, mileage and expected residual value. Specialist vehicles, converted units or high-mileage fleets may need tailored funders and different terms.
We screen your enquiry against lender criteria before introducing you, which reduces the chance of declined applications harming your business credit profile. If you have imperfect credit or unusual vehicles, we can match you to brokers who specialise in non-standard fleet funding.
How matching, pricing and decision times work
Our AI matching examines your Quick Quote answers and compares them against lender appetite in our network. Matching factors include industry sector, vehicle specification, tenure required, deposit size and whether maintenance or insurance is needed.
Pricing depends on business risk, vehicle residual value, contract length and the chosen product type. Some lenders provide indicative Decision in Principle within hours, while bespoke fleet bids can take several working days to price and approve.
When a lender or broker expresses interest, they may request more documents such as recent accounts, bank statements or vehicle details. We recommend preparing business bank statements, VAT returns and proof of identity to speed up the process.
Next steps: quick quote, compliance and choosing a provider
To start, complete our Quick Quote form — it takes a few minutes and is free and non-binding. We’ll use your input to find lenders or brokers with the best chance of supporting your vehicle or fleet requirement.
Please note Best Business Loans is not FCA-authorised to provide regulated advice and we do not offer loans directly. Where required, matched lenders or brokers will be either FCA-authorised firms or appointed representatives, and you should verify their regulatory status before accepting any finance offer.
How to prepare for a Quick Quote
Have your basic business details, desired vehicle(s) and estimated spend ready, together with recent accounts or bank statements. State whether you want maintenance, insurance, or a whole-fleet management solution to help us match the right providers.
After matching, providers may offer a Decision in Principle or request a formal application. You can compare terms and ask for a full written quote before committing to any agreement.
Key takeaways
Best Business Loans helps UK businesses find commercial vehicle and fleet finance by matching you to lenders and brokers who specialise in fleet funding. We do not lend directly and we do not give regulated financial advice. Use our Quick Quote for a free eligibility check and to get connected to suitable providers quickly.
If you need to fund specialist vehicles, a large fleet, or want maintenance-inclusive packages, mention that in your Quick Quote so we can prioritise the most relevant funders. For vehicle-related asset funding options also see our equipment finance guidance.
Ready to check eligibility? Submit a Quick Quote to get matched and receive a fast indication of your options from lenders and brokers who actively finance commercial vehicles and fleets.
Contact and compliance information
Best Business Loans is an independent UK introducer helping businesses connect with finance providers. We do not offer loans and are not an FCA-authorised lender or provider of regulated financial advice.
Matched lenders or brokers may be FCA-authorised; please confirm their status and read all terms before accepting any offer. Our process is designed to be clear, fair and not misleading in line with FCA and ASA guidance.
For support before you submit your Quick Quote, email hello@bestbusinessloans.ai or use the online form to request help from our UK support team.