Lendus.

Haulage & Logistics Business Loans

Finance vehicles, trailers, warehouse space, and growth for your haulage or logistics business. Lendus compares 200+ lenders including specialist transport finance providers.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Range

£10k – £3m

Average Loan

£175k

for haulage & logistics

Decision Speed

24–48 hrs

for unsecured loans

Eligibility requirements

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Loan types available

Unsecured Business Loan

Rate
7.5% – 24.9% APR
Term
1 – 5 years
Security
No security required
Best for
Working capital, fuel costs, driver recruitment, and technology upgrades

Secured Business Loan

Rate
4.9% – 13.9% APR
Term
1 – 15 years
Security
Property, fleet, or business assets
Best for
Depot acquisition, large fleet expansion, and warehouse investment

Asset Finance

Rate
4.5% – 11.9% APR
Term
2 – 7 years
Security
The vehicle or trailer being financed
Best for
HGVs, vans, refrigerated units, trailers, and specialist transport vehicles

Representative example

Borrow £175,000 over 36 months at 9.9% APR (fixed). Monthly repayment: ~£5,639. Rates depend on your circumstances and the type of loan.

Market context

The UK road haulage and logistics sector is worth over £124 billion annually and moves approximately 89% of all goods transported by land. There are around 340,000 HGVs on UK roads, operated by over 60,000 licensed goods vehicle operators.

Common challenges

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Bad credit?

Several of our 200+ lenders work with haulage & logistics businesses that have imperfect credit. You may need a personal guarantee or higher rate, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

Frequently asked questions

What is the best way to finance a new HGV or fleet expansion?
Asset finance (hire purchase or finance lease) is the most common and cost-effective way to finance HGVs. A new 44-tonne articulated lorry costs £80,000-£150,000, while a rigid HGV ranges from £40,000-£90,000. Asset finance typically requires a 10-20% deposit with repayment over 3-7 years. The vehicle acts as security, so no additional collateral is needed. Lendus works with specialist transport lenders who offer competitive rates and flexible terms including seasonal payment profiles.
Can I get finance for used commercial vehicles?
Yes, most asset finance lenders will fund used commercial vehicles up to 8-10 years old at the end of the finance term. Used HGVs can cost 40-60% less than new, making them an efficient way to expand your fleet. The interest rate may be slightly higher than for new vehicles, and the finance term may be shorter, but it is still far more affordable than outright purchase. Lendus can compare used vehicle finance from multiple lenders.
Is there finance available for the transition to electric or low-emission vehicles?
Yes, and some lenders offer enhanced terms for electric or low-emission commercial vehicles to support the green transition. While electric HGVs are significantly more expensive upfront (often 2-3 times the cost of diesel equivalents), the lower running costs can make financing attractive. Government grants of up to £16,000 per vehicle are available for some zero-emission trucks. Lendus can help you model the total cost of ownership and find the best finance options.
How can I manage cash flow between paying drivers and receiving payment from clients?
Invoice finance is an excellent solution for haulage companies. It lets you release up to 90% of the value of your unpaid invoices within 24 hours, rather than waiting 30-60 days for clients to pay. This is particularly useful if you work with large retailers or manufacturers who insist on extended payment terms. A revolving credit facility can also provide a buffer. Lendus can compare invoice finance and cash flow products from specialist transport lenders.

Equipment finance for haulage & logistics businesses

Buying a specific machine or vehicle is usually cheaper than a general business loan, because the asset itself is the security. These are the items haulage & logistics businesses most often fund, with the price range we see quoted in the UK.

Equipment Typical price range Finance page
HGV £60k to £160k HGV finance
Forklift £8k to £80k Forklift finance
Ambulance £55k to £95k Ambulance finance
Box Van £22k to £45k Box Van finance
Cage Tipper £58k to £115k Cage Tipper finance
Car Transporter £34k to £160k Car Transporter finance
Coach £60k to £320k Coach finance
Commercial Vehicle £15k to £150k Commercial Vehicle finance
Concrete Mixer Truck £85k to £125k Concrete Mixer Truck finance
Curtainside Trailer £18k to £35k Curtainside Trailer finance
Curtainsider £45k to £100k Curtainsider finance
Dog Grooming Van £20k to £70k Dog Grooming Van finance

Browse all equipment finance pages

Understand the loan structures

The table above shows what a haulage & logistics business borrows for. These pages explain how each kind of borrowing actually works, what it costs and who it suits.

Business loans for bad credit Government-backed business loans Merchant cash advance Revolving credit facilities Business loans with no personal guarantee Secured business loans Start up business loans Unsecured business loans

Related industry loans

Construction Manufacturing Farming & Agriculture Garage & Motor Trade Retail

Guides and resources

How to Get a Business Loan Business Loan Eligibility Secured vs Unsecured Best Business Loans UK iwoca Review Funding Circle Review

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