Asset finance · Fleet finance
Fleet finance for vans, trucks and company vehicles
Fund two vehicles or two hundred on terms that usually only open up to major corporates.
In short
Stop starting from scratch with every vehicle
Buying vehicles one at a time means beginning again every time — new quote, new credit search, new paperwork, new person on the phone who does not know your business. Fleet finance replaces that with a single facility and a replacement calendar you can actually plan around.
We hold direct terms with the biggest vehicle manufacturers. That is the part smaller operators rarely get near: the discount structure that comes with volume, applied to a fleet of six vans rather than six hundred.
Fleet finance — key terms
REF FF- Typical term
- 24 to 60 months, staged by delivery date
- Initial outlay
- Depends on the product each vehicle sits on
- VAT treatment
- Follows the product used for each vehicle
- End of agreement
- Mixed — own, hand back or renew, vehicle by vehicle
- Balance sheet
- Depends on the mix of products across the fleet
A fleet facility is a wrapper, not a separate product. Each vehicle sits on hire purchase, a finance lease or contract hire — whichever suits how that vehicle is used.
Best suited to
When fleet finance is the right call
- Operators running two or more vehicles on a replacement cycle
- Businesses taking staged deliveries across a year
- Owners tired of arranging every vehicle separately
- Fleets mixing cars, vans and HGVs under one roof
The detail
One facility, mixed products, one renewal calendar
There is no rule that says every vehicle has to sit on the same product. The tippers you will run into the ground make sense on hire purchase. The company cars you swap every three years are usually cheaper on contract hire. We structure the fleet so each vehicle sits where it belongs, and you still only deal with one person.
You get a schedule showing what is on the fleet, what each vehicle costs and when it comes up for renewal. When one falls due, we handle it. You do not start again.
- Direct manufacturer terms applied to fleets of any size
- Mixed products across one fleet — HP, lease or contract hire per vehicle
- Staged deliveries handled, so agreements start on registration
- One renewal schedule covering every vehicle
- One point of contact for the whole fleet, not one per vehicle
Common questions
Questions we get asked
Two. There is no formal threshold, and the practical benefits — one point of contact, a shared renewal schedule, manufacturer pricing — start as soon as you are running more than one vehicle on finance.
Yes, and most fleets should. Vehicles you will keep for a decade belong on hire purchase. Vehicles you cycle every three or four years usually cost less on contract hire. We map the fleet and put each vehicle on the product that matches how you actually use it.
Yes. Vehicle lead times mean a fleet order rarely lands in one go. We set the facility up so each vehicle starts its agreement when it is delivered and registered rather than when the order was placed, so you are never paying for something sitting in a compound.
Where to next
Related to this
Next step
Talk fleet finance through with someone who does it daily
Send the make, model and price and we will come back with indicative terms — usually the same working day.