Spread the cost of an ice cream van from £15,000 to £110,000+ with flexible finance options. HP, lease, or refinance;
Yes, ice cream vans 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 £110,000, and most deals are written over 24–72 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 – £110k
Approval Speed
24–48 hours
Same-day for < £50k
Rates From
7.5% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical ice cream van 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 £55,000: a 10% deposit of £5,500, then 48 monthly payments of £1,160 at 5.9% APR representative (fixed). Total amount payable £61,180, 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 |
|---|---|---|
| Reconditioned or used ice cream van | £15,000 – £35,000 | Used Ice Cream Van |
| New Sprinter or Transit-based conversion | £45,000 – £75,000 | New-Build Conversion |
| Bespoke fully-equipped ice cream van | £75,000 – £110,000 | Bespoke New-Build |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
An ice cream van is a converted commercial vehicle rather than a car, so the base chassis and the conversion work together typically qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one, up to £1,000,000. HP allows capital allowances. Lease payments are fully deductible against profit. Because the vehicle and the fit-out are usually financed on one agreement, check with your accountant how the whole package is treated rather than assuming the vehicle and equipment attract different rules.
Ice cream van buyers range from a single independent operator working local streets and events to a small fleet run by a family business built up over several seasons. Because the van is a converted commercial vehicle, chassis manufacturers such as Mercedes-Benz and Ford supply the base vehicle before a specialist convertor fits the serving hatch, freezers, and soft-serve equipment, and the conversion is usually a large share of the total price rather than a minor add-on. Lenders finance the chassis and the conversion as one agreement rather than as two separate assets, and resale value depends as much on the condition and specification of the conversion as on the van underneath it. Trade is seasonal, busiest through spring and summer and much quieter over winter, so an established operator's affordability is generally assessed against a full year of trading rather than the most recent few months, which would understate a genuinely healthy business.
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.