01
Utilisation
A vehicle's revenue case should allow for empty miles, maintenance days and driver availability.
Transport & Haulage
Capital for haulage and logistics.
Funding for haulage operators, couriers, owner-drivers, 3PLs and freight forwarders. Built around fuel, fleet, driver pay and 60-day customer terms.
£5k – £5M
Funding range
3 – 24 mo
Repayment terms
File dependent
Review timing
Before choosing funding
Model each vehicle as a cash-flow unit
A useful facility should follow the commercial cycle it is paying for. These are the details worth testing before comparing offers.
02
Fuel exposure
Stress-test repayment against diesel movements and the delay before surcharges reach customer invoices.
03
Customer terms
Match payroll and fuel outflows to contracted payment dates and concentration in the debtor book.
What to prepare
Having these ready makes the first review more useful and reduces avoidable follow-up.
- Fleet and finance schedule
- Customer contracts or order book
- Fuel and maintenance costs
- Aged debtor report
Questions worth asking
Use these to compare the repayment structure with the way your business earns cash.
- 01Will the vehicle have committed work from day one?
- 02Is maintenance downtime funded?
- 03Would asset finance preserve more working capital?
Transport margins are thin and timing is everything. Customer payment terms stretch while drivers, diesel and DVSA obligations do not wait. Capital must arrive in cycle with the schedule, not behind it.
We work with haulage and logistics operators across the UK, from single-vehicle owner drivers to multi-depot fleets. Underwriting reads customer concentration, route mix and forward order book.
Typical use cases
- Tractor units, trailers and refrigerated fleet
- Fuel card top-up and working capital
- Driver pay and recruitment
- Workshop equipment and parts inventory
- Depot deposit, lease or yard expansion
- Bridging customer payment terms
Useful reading
Go deeper before you decide.
Practical guide6 min read
Asset finance UK: hire purchase, leasing and refinance explained
Hire purchase, finance lease, operating lease and asset refinance, how each works, tax treatment, and which suits your business.
Practical guide7 min read
Invoice finance UK: factoring vs discounting explained
How factoring and invoice discounting actually work in the UK, cost shapes, eligibility, and when each is the right structure.
File based
Review timing
£5k–£5M
Facility size
Explained
Search process
Clear
Written terms
Funding most suited to transport & haulage
Merchant cash advance
Advance against future card receipts. Repay as a small share of daily settlements.
Learn moreRevenue based financing
Repayments calibrated to top-line cash receipts. Eases in quieter months.
Learn moreTerm business loan
Fixed monthly repayments over 3 to 24 months for planned investment.
Learn moreFrequently asked
Do you fund owner-drivers?
Yes, where the operator trades through a limited company with a UK business bank account and supports the facility size requested.
Can a facility cover fuel card deposits?
Yes. Working capital lines regularly cover fuel cards, AdBlue, parts inventory and driver float.
Is asset finance an alternative to a term loan?
Where the use of funds is a specific vehicle or trailer, asset finance may price better. We discuss both routes on the call.
What about customer concentration risk?
We read concentration as part of the file. A single large contract is reviewed alongside trading history and forward schedule.
When the bank says no, we take a closer look.
Start with a short initial enquiry. If a credit search is needed later, it will be explained first.
Check eligibility