Home/We Finance Any Van

    We Finance Any Van

    We arrange finance for any commercial van, any make, any model, new or used. Limited companies from £10,000. Sole traders from £25,000. Apply online today.

    Man with tablet standing in front of commercial vans
    100+ UK lenders
    Decisions in as little as 24 hours
    Low deposits
    Competitive interest rates
    VAT deferrals available
    New businesses welcome
    100+ UK lenders
    Decisions in as little as 24 hours
    Low deposits
    Competitive interest rates
    VAT deferrals available
    New businesses welcome

    When we say we finance any van, we mean exactly that.

    Most brokers have a list of what they'll do and a longer list of what they won't. We're not really built that way.

    Panel vans, Luton vans, electric vans, tippers, flatbeds, refrigerated vans, curtainsiders, minibuses, pick-ups, dropside trucks, box vans, crew vans, welfare units. New ones, used ones, obscure makes, specialist conversions. If it's a commercial vehicle and you need to fund it, we'll find a lender.

    Yes, that includes camper van conversions on a commercial base vehicle. Not every lender will touch them, but some will, and we know which ones.

    What we arrange finance for

    Makes we regularly arrange finance for

    Ford, Mercedes-Benz, Volkswagen, Vauxhall, Renault, Toyota, Peugeot, Citroën, Nissan, Fiat, Iveco, Maxus. Most specialist conversion manufacturers too. If your van isn't on that list, it almost certainly doesn't matter. Give us a call and we'll tell you within minutes whether we can place it.

    Popular models

    While we can finance almost any commercial vehicle, certain models make up the majority of the agreements we arrange. You can browse our dedicated guides for the following models, or view all on our popular models page:

    Finance products available

    Hire purchase is the most common product for van finance. Fixed monthly payments, ownership at the end of the term. Finance lease is available for businesses that prefer lower monthly payments and don't need to own the vehicle outright. Balloon hire purchase sits somewhere between the two, with lower monthly payments and a larger optional final payment. We'll talk through which product suits your business (hire purchase vs finance lease) before recommending anything. To learn more about finance terminology, read our Van Finance Glossary.

    Who can apply

    Limited companies can typically borrow from £10,000. Sole trader finance is available from £25,000 on unregulated credit agreements. Both new vans and used vans are considered, and we work with businesses at most stages of trading, including new starts. If you're not sure whether your vehicle qualifies, just ask. We'll tell you straight.

    Plan your budget

    Want to see what your monthly payments might look like? Use our Van Finance Calculator to get an indicative quote based on your specific profile.

    Speak to a specialist

    If you're not sure whether your vehicle will be considered, the best thing to do is speak to us. We'll give you an honest assessment and tell you which lenders are most likely to consider your situation.

    How it works

    1

    Apply online

    Tell us about your business, the vehicle you want to fund, and the amount you need. Takes about 2 minutes.

    2

    We review your application

    A dedicated specialist reviews your application, contacts you to discuss your needs, and identifies the most suitable lenders.

    3

    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.

    4

    Funds released to the dealer

    Once approved and you've signed your documents, funds are released directly to the dealer or seller, so you can take delivery of your van.

    How it works - Handing over the van keys

    Popular van makes we finance

    LAND ROVER van
    LAND ROVER
    FORD van
    FORD
    MERCEDES-BENZ van
    MERCEDES-BENZ
    VOLKSWAGEN van
    VOLKSWAGEN
    VAUXHALL van
    VAUXHALL
    FORD van
    FORD
    PEUGEOT van
    PEUGEOT
    CITROËN van
    CITROËN
    RENAULT van
    RENAULT
    TOYOTA van
    TOYOTA
    NISSAN van
    NISSAN
    FIAT van
    FIAT
    IVECO van
    IVECO
    MAXUS van
    MAXUS

    We arrange finance for all major van makes and models. Don't see yours? Call us on 01730 777 736.

    Apply for 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

    By submitting this form you consent to Business Van Finance (a trading style of First Oak Capital Limited) contacting you about your enquiry. We will not share your details with third parties for marketing purposes. View our Privacy Policy.

    Frequently asked questions

    In practice, yes. We work with lenders who cover all major commercial vehicle manufacturers and most specialist makes. If you're looking at something unusual, get in touch and we'll check it straight away.

    Yes. Most lenders will consider used vehicles up to a certain age at the end of the finance term, typically around eight to ten years. Mileage is also a factor. We'll check the specific requirements against your vehicle before submitting anything.

    As a general rule of thumb, we can finance vans up to about ten years old and 100,000 miles at the end of the agreement. However, if it's a quality make with a good service history, it is certainly possible to go older. Give us a call with the details and we'll check it for you.

    Yes, though sole trader finance is arranged on unregulated credit agreements and is available from £25,000. If you're looking to fund a smaller amount as a sole trader, incorporating as a limited company may open more options. Speak to your accountant about whether that makes sense for your situation.

    We work with specialist lenders who look at the full picture rather than just a credit score. A difficult history doesn't automatically mean a decline. Visit our bad credit van finance page for more detail.

    Limited companies can typically borrow from £10,000. There's no fixed upper limit. Larger amounts are assessed on their own merits. Call us if you're funding something substantial and we'll give you a straight answer.

    Yes, in many cases. It depends on the base vehicle, the conversion, and the lender. Some mainstream lenders won't consider conversions, but we have access to specialist funders who will. Get in touch with the details and we'll see what's possible.

    Most commercial lenders prefer you to buy from a reputable, VAT-registered dealership to protect the asset's provenance. However, we do have specialist lenders who will consider private sales or trade-to-trade auction purchases, provided the vehicle and your business profile meet their criteria.

    Not always. For businesses with a strong trading history and clean credit, zero-deposit van finance is often available (though you may still need to cover the VAT upfront). For newer businesses or those with adverse credit, lenders typically ask for a deposit of 10% to 20%.

    Yes, absolutely. We arrange finance for fully electric vans (EVs) and plug-in hybrids. As more businesses transition to electric fleets, lenders are increasingly comfortable funding them, and there are often tax advantages and capital allowances available for zero-emission commercial vehicles.