New van finance for your business
Whether you're buying from a franchised dealer or an independent supplier, we arrange finance for new commercial vans across all major makes and models, including the Ford Transit Custom. Fast decisions, competitive terms, no upfront fees.
Limited company finance from £10,000. Sole trader finance from £25,000 on unregulated credit agreements.
What is new van finance? New van finance allows businesses to fund the purchase of a brand-new commercial vehicle through hire purchase or finance lease agreements. It offers the benefits of full manufacturer warranties, the latest emissions compliance (such as the ZEV mandate), and often attracts more competitive interest rates due to the strong residual value of a new asset. Not sure about the difference between these terms? Check our Van Finance Glossary.
Finance a new van and keep your cash in the business
Let's be real: buying a brand new van outright is a massive drain on your working capital. That's cash your business could be using to hire, market, or just keep the lights on. Financing spreads that heavy cost over a fixed term. You get predictable monthly payments, making it infinitely easier to budget and actually grow your operation. (Use our van finance calculator to estimate your costs.)
Because we tap into a network of over 100 UK lenders, we can arrange finance for new commercial vans no matter where you're buying them. Franchised dealers, independent suppliers, or straight from the manufacturer—it doesn't matter. One simple enquiry is all it takes to get the ball rolling.
What finance products are available on new vans?
When it comes to funding a brand new commercial vehicle, these are the heavy hitters:
- Hire purchase: You pay fixed monthly instalments, and once the term finishes, the van is 100% yours.
- Finance lease: This usually means lower monthly payments, but you'll need to return, sell, or refinance the van at the end.
- Balloon hire purchase: You get the benefit of lower monthly payments by pushing a larger lump sum to the end of the agreement. Pay the balloon, and the van is yours.
We won't just throw options at you. We'll sit down, look at your cash flow, and figure out exactly which product makes the most sense based on how long you actually plan to keep the van on the road. (Read our full guide on hire purchase vs finance lease).
Why use a specialist broker instead of a van dealer?
At a dealership, the salesperson's main job is shifting metal. The finance packages they offer are usually just a means to an end. Most dealers are tied to a couple of mainstream lenders who specialize in personal car finance, not the messy reality of commercial funding. That's why they often hit a wall when faced with a new business, a limited company without accounts, or a director with a few credit hiccups.
Add to that the fact that dealer finance rarely offers essential commercial perks like VAT deferral. Being able to push back the upfront VAT payment until your next VAT quarter is a massive cash flow advantage. Because a dealer's lender pool is so limited, you'll frequently find their rates are noticeably higher than what a specialist commercial broker can find.
We take a completely different approach. By working with over 100 UK lenders, we match your specific business to the right funder, rather than trying to force you into whatever narrow criteria the dealer's system dictates.
Buying through a franchised dealer
If you're buying straight from a franchised dealer, they will almost certainly push their own in-house finance arm. But here's the secret: their rates aren't always the sharpest. We can usually dig up much better terms by shopping around our independent lending panel. It is always worth running a quick comparison before you sign on the dotted line. (Learn more about how van finance rates are calculated).
How much deposit do I need?
If you're an established limited company with a solid credit profile, we can often secure new van finance with a very low—or even zero—deposit. On the flip side, if you're a newer business or have a few blemishes on your credit file, lenders will likely ask for some cash upfront. We'll give it to you straight and tell you exactly what's required once we review your application.
VAT on new vans
If your business is VAT registered, there's a good chance you can reclaim the VAT on a new van purchase. However, the rules change depending on which finance product you actually use. We always recommend having a quick chat with your accountant to confirm your exact VAT position first—once you know that, we can structure the finance to match.
Ready to finance a new van?
Tell us about the new van you're looking at and we'll come back to you with the most suitable options from our lending panel.
Popular van makes we finance
We arrange finance for all major van makes and models. Don't see yours? Call us on 01730 777 736.
How new van finance works
Apply online
Tell us about your business, the van you're looking at, and the amount you need to finance. Takes about 2 minutes.
We review your application
A specialist reviews your application, contacts you to discuss your requirements, and identifies the most suitable lenders for your business profile.
We present your options
We present the finance options to you. Once you're happy, we contact the dealer to arrange the invoice. No obligation to proceed and no hard credit searches until you're ready.
Funds released to the dealer
Once approved and you've signed your documents, funds are released directly to the dealer or supplier, so you can take delivery of your new van.
Limited company
We arrange new van finance for UK limited companies from £10,000. No minimum trading history required with some lenders - we work with funders who consider new start companies.
From £10,000Sole trader
We arrange new van finance for sole traders on unregulated credit agreements. Please note that sole trader finance is available from £25,000.
From £25,000 - unregulated agreements"Wow, am I glad that I found Business Van Finance, Roland was so helpful and patient, he helped me through the process and was so helpful compared with other places that I tried. He found me a great deal and was able to advise on the right sort of van to replace an old Transit I had. There are plenty of sites on the web but I was lucky in that this company had been recommended by a friend. I had the impression the business was sound and knew what they were talking about and having access to different finance companies they new straight away where tho go. Consequently I have myself a shiny new van. Result!"
Graham Jones
See all reviews →Apply for new van finance
Complete the form below and a specialist will be in touch, usually within one business day.
If you'd prefer to call: 01730 777 736
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New business van finance
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Bad credit van finance
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