Transport, Haulage & Courier Business Finance
Discover what's possible with the right finance solution

Transport businesses continue to operate in a challenging environment, balancing growth with increasing operating costs. Many businesses are currently dealing with:

• Rising fuel prices
• Increasing driver wages and labour shortages
• Delayed customer payments impacting cashflow
• High vehicle purchase and replacement costs
• Ongoing maintenance and repair expenses
• Insurance premium increases
• Compliance, emissions and regulatory costs
• Seasonal fluctuations in workload
• Pressure to invest in newer, more efficient vehicles
  
  

The right finance solution can help reduce these pressures while giving your business the confidence to grow.

Vehicles, Trailers & Fleet Finance

Expand or upgrade your fleet without tying up valuable working capital.  Asset Finance allows you to spread the cost of vehicles over affordable monthly repayments while preserving cashflow for everyday operations.

Examples of assets we can fund include:

• HGVs
• Vans
• Lorries
• Tractor units
• Trailers
• Refrigerated vehicles
• Tippers
• Flatbed vehicles
• Courier vans
• Specialist transport vehicles
• Forklifts
• Warehouse handling equipment

Asset Refinance

Release capital tied up in vehicles and existing business assets without disrupting operations.

Asset Refinance allows you to unlock the value in your fleet while continuing to use your vehicles, helping improve cashflow or fund future growth.

Bridging Customer Payment Delays

Many transport businesses incur significant costs long before invoices are paid.

Finance can bridge the gap between completing work and receiving payment, helping cover wages, fuel, maintenance, insurance and supplier costs while keeping your vehicles on the road.

Fuel, Maintenance & Operating Costs

Keep your fleet running efficiently by funding day-to-day operating expenses. Working Capital can help cover:

• Fuel
• Vehicle servicing
• Repairs
• Tyres
• Insurance
• Road tolls
• Operator licence costs
• General business overheads

This gives your business greater flexibility during busy periods or when customer payments are delayed.

Depot & Warehouse Improvements

As your business grows, your premises may need to grow too. Finance can support depot expansions, warehouse improvements, vehicle parking areas, loading bays, security systems, office refurbishments and additional storage facilities to improve operational efficiency.

VAT and Tax Payments

Spread the cost of tax liabilities, meet HMRC deadlines and avoid penalties, while preserving cashflow for day-to-day operations.

Working Capital
Strengthen your cashflow with additional working capital to cover wages, fuel, supplier payments and other day-to-day or unexpected business expenses. Be ready to respond to time-sensitive opportunities.

Recruitment and Driver Wages

Recruiting and retaining qualified drivers can be expensive. Finance can help cover recruitment costs, training, licence upgrades and wages before additional revenue is generated, allowing your business to grow with confidence.

Electric Vehicles & Sustainability Upgrades

Future-proof your transport business by investing in greener technology. 

• Electric vans and HGVs
• Charging infrastructure
• Solar panels
• Energy-efficient lighting
• Depot improvements
• Fleet management technology

These investments can help reduce operating costs while supporting your environmental objectives.

Business Growth and Expansion

We're committed to helping businesses grow, from acquisitions to larger premises.

Consolidation of Existing Borrowing

If your business has multiple loans, finance agreements or credit facilities, consolidation can simplify managing your finances. Consolidation Loans may reduce your monthly repayments and lower your overall interest rates. Ensure your borrowing reflects the strength of where your business is today.