Vehicles generate revenue, but fuel, drivers, insurance and repairs need paying before many customers settle. Assess fleet investment and working capital separately, then bring them together.
Discuss your industry requirementSee the finance options for your industry ↓
Start with the product and the job it needs to do. Different parts of the same growth plan may need different funding structures.
Spread a substantial vehicle purchase or replacement.
Fund eligible trucks, trailers, vans or specialist vehicles around the way the fleet operates. Retain cash for fuel, drivers, insurance and maintenance while planning the asset commitment.
Disclose mileage and use, including rental or specialist operations. Compare deposits, VAT, balloons, delivery phases and total payable.
Release cash from eligible freight receivables.
Fuel and wages can be due long before a business customer pays. A larger invoice facility may shorten that cash gap after the work is evidenced and invoices are accepted.
The legal debtor, proof of delivery, deductions and customer concentration need checking. A transport-platform entry alone is not proof of eligibility.
Finance a defined wider operating investment.
A depot project or other planned expansion can involve costs beyond a vehicle purchase. A loan may suit a clear requirement supported by trading cash generation.
Test repayment through lower utilisation, downtime and slower collections. Do not use a headline monthly payment as the only affordability test.
Review value in existing vehicles.
Accepted value in owned or partly financed vehicles may support a release after existing debt is settled, while the fleet remains in use.
Age, mileage, condition, title and settlements affect the release. Refinancing can extend the business’s repayment commitment.
Our main focus is £500k+ invoice facilities, £250k+ asset programmes and £200k+ business loans. These are marketing focus amounts, not fixed minimums or evidence of available capacity. Provider assessment and terms determine what can be arranged.
Specify HGVs, trailers, vans or specialist vehicles, mileage, intended use and replacement cycle. Own-account transport, haulage, rental and passenger operations may have different provider criteria. Disclose the operation accurately from the outset.
Model utilisation, maintenance downtime, insurance and driver availability before assuming additional vehicles will produce the forecast cash. A balloon payment needs a prudent residual-value assumption.
Identify the legal debtor and payment rights.
Evidence the work and any deductions.
Confirm acceptance and eligibility.
Reconcile the actual cash timing.
Providers need to establish the party owing the money, the contract, proof of delivery and any rights to make deductions. Platform-generated records may need further evidence of the underlying debt and payment arrangements.
Customer concentration, disputed delivery charges, fuel surcharges and claims can affect receivables availability. A 60-day payment term does not by itself make every freight balance eligible for funding.
A replacement programme can involve deposits before new vehicles earn revenue and settlements before old units are sold. Map those events alongside the existing invoice facility and seasonal trading.
Review the overall fixed-payment burden and security structure. Refinance of owned vehicles may release cash, but it can also extend commitments and depends on value, age, usage and current debt.
Hypothetical illustration only. Not a client case, quote, lender policy or funding commitment.
A hypothetical operator plans eight vehicles costing £150k each excluding VAT. With a 15% contribution, £180k is paid by the business and £1.02m remains before fees or VAT arrangements. If fuel and payroll require £80k a week while customers pay six weeks later, the operating cycle also involves £480k of outflow before those receipts. Equipment finance and working-capital availability must each be tested.
Illustrative assumptions only. Not a quote, provider policy or funding commitment.Include deposits, VAT, rentals or repayments, documentation, maintenance and end-of-term exposure. Invoice fees and interest on drawings are separate costs. Check asset title, debentures, guarantees and whether the business can withstand lower utilisation.
Understand facility fees and costs ↗The brief enquiry does not require these documents. Agree the purpose, permissions and appropriate sharing route first.
They require assessment of the actual debtor, contract, payment rights and evidence. Platform use alone does not establish eligibility.
Only under an agreed provider structure. Do not base a vehicle order on an assumed deferral.
These external sources explain product features. They do not establish an NBS agreement, current lender appetite or terms available to your business. Content reviewed 24 October 2026.
Start with a brief enquiry.
No financial documents needed to begin.
