Spread the cost of commercial vehicles from £15,000 to £150,000+ with flexible finance options. HP, lease, or refinance
Yes, commercial vehicles are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £15,000 to £150,000, and most deals are written over 12–60 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£15k – £150k
Approval Speed
24–48 hours
Same-day for < £50k
Rates From
4.8% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical commercial vehicle price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £45,000: a 10% deposit of £4,500, then 48 monthly payments of £949 at 5.9% APR representative (fixed). Total amount payable £50,052, including the deposit. The rate you are offered depends on your business and the asset.
Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.
| Machine or specification | Guide price | Type |
|---|---|---|
| Ford Transit | £30,000 – £50,000 | Large Van |
| Mercedes Sprinter 516 | £40,000 – £60,000 | Chassis Cab |
| Isuzu N75 | £35,000 – £55,000 | Light Truck |
| Renault Master | £28,000 – £42,000 | Large Van |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Commercial vehicles qualify for Annual Investment Allowance (AIA), letting you deduct the full purchase cost from taxable profits in year one, up to £1,000,000. For HP, you claim capital allowances on the asset. For leases, the full payment is typically deductible from profits.
Commercial vehicles are bought by trades businesses, delivery and logistics operators, and any company running its own fleet rather than outsourcing transport, from a single van for a sole trader to a mixed fleet for a regional distributor. Finance is the default route because vehicles depreciate steadily and tying up cash in outright purchase makes little sense when a lease or hire purchase agreement can be matched to the vehicle's working life, and the driver simply moves to a newer vehicle at renewal. Replacement is driven by mileage, warranty expiry and rising maintenance costs rather than age alone. A deep, active used market supports strong residual values.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.