Loans Hub · Business Finance by Industry
Business Loans for Transport & Logistics
Funding for hauliers, couriers and logistics firms — vehicles, fleet expansion, maintenance and cash flow. Compare asset finance and business loans from a whole-of-market UK panel.
Why transport firms borrow
Vehicles are the business, and they are expensive to buy and run. Borrowing commonly funds:
- Trucks, vans and trailers through asset finance.
- Fleet expansion to win new contracts.
- Maintenance, tyres and repairs.
- Fuel and working capital between invoices.
- Compliance, telematics and systems.
How much can a transport business borrow?
Vehicle finance is sized on the assets being funded, while unsecured borrowing tracks turnover. A haulier with steady contract income can fund a fleet through a mix of asset finance and a working-capital loan, with the vehicles themselves securing much of the cost.
What lenders look at for logistics
Lenders look at contract income, the value and age of the fleet, and how reliably customers pay. A firm with signed contracts and a maintained fleet is a strong lend. Invoice finance is popular here because clients often pay on long terms.
Best finance options for transport
Asset finance funds vehicles and trailers over their working life. Invoice finance releases cash tied up in unpaid haulage invoices, and an unsecured business loan bridges shorter-term needs. Larger fleet investment may suit the Growth Guarantee Scheme.
Managing slow-paying customers
Logistics clients often pay on 30, 60 or 90-day terms, which strangles cash flow. Invoice finance turns those unpaid invoices into immediate cash, letting you fund fuel and wages without waiting. Match the facility to your customers' payment habits.
Compare your finance options
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Frequently asked questions
Can I finance trucks and vans for my fleet?
Yes. Asset and vehicle finance is the standard route, spreading the cost over the working life of each vehicle.
Can hauliers borrow against unpaid invoices?
Yes. Invoice finance suits the sector's long payment terms, releasing cash tied up in unpaid haulage invoices.
How much can a transport firm borrow?
Vehicle finance is sized on the assets, with additional unsecured borrowing typically tracking turnover.
Is bad credit a barrier for transport finance?
It raises the rate but rarely blocks borrowing, especially with asset finance secured on the vehicles.