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CW Asset Finance | Vehicle & Equipment Finance Yorkshire

Asset Finance · Yorkshire

HGV & Truck Finance

Rigids, artics, tippers, recovery trucks and trailers — funded around O-licence requirements and the contracts that pay for them.

  • Whole-of-market — 60+ lenders searched
  • All credit histories considered
  • Decisions in as little as 24 hours
Get a quoteCall 0333 772 4864

Whole-of-market — 60+ lenders searched, including

BarclaysAldermoreParagonAllica BankPraetura Asset FinanceSimply Asset FinanceOxburyBraemar FinanceBibby Financial ServicesBPCE Equipment SolutionsCatfoss FinanceDavenham Asset FinanceFleximizeiwocaKingsway Asset FinanceLombardMetro BankBNP ParibasBarclaysAldermoreParagonAllica BankPraetura Asset FinanceSimply Asset FinanceOxburyBraemar FinanceBibby Financial ServicesBPCE Equipment SolutionsCatfoss FinanceDavenham Asset FinanceFleximizeiwocaKingsway Asset FinanceLombardMetro BankBNP Paribas

HGV finance and truck finance are their own discipline. A lorry is a high-value asset doing enormous mileage under an operator licence, which means lenders assess it differently from a van. We arrange truck finance, lorry finance and trailer funding across a panel of 60+ UK lenders, including several who specialise in road transport.

What you can fund

Every asset has its own page: how lenders treat it, what buyers specify, the questions people ask, and what we have actually funded.

AssetWhat it coversPage
HGV tractor unitTractor units are funded on haulage rates and licence standing, so we place them with funders…Read the guide
Rigid truckRigids cover everything from urban multi-drop to heavy aggregate work, so the right funder depends far…Read the guide
7.5 tonne truckThe 7.5 tonne class is the first rung into operator licensing, and funders treat it as…Read the guide
18 tonne truckThe 18 tonne rigid is the workhorse of UK regional distribution, and its wide resale market…Read the guide
26 tonne truckTwenty-six tonne six-wheelers carry a heavier body and a heavier workload, so funders look closely at…Read the guide
Tipper truckTippers work hard in punishing conditions, so funders judge them on the body build and the…Read the guide
Grab lorryA grab lorry is two assets on one chassis, and the crane is underwritten on its…Read the guide
Hook loaderHook loaders earn by swapping bodies rather than waiting to be unloaded, and funders look at…Read the guide
Skip loaderSkip lorries are bought alongside a fleet of skips, and funding the truck without planning for…Read the guide
Curtainsider truckCurtainsiders are the most generic body in UK haulage, which is exactly why they are among…Read the guide
Curtainside trailerTrailers depreciate far more slowly than the units that pull them, and funding them on a…Read the guide
Flatbed truckFlatbeds carry what will not fit in a curtain, and their simplicity makes them one of…Read the guide
Dropside truckDropsides give side access without the payload penalty of a curtain, and they are the default…Read the guide
Box truckBox bodies protect the load and secure it properly, which is why removals, retail and parcel…Read the guide
Refrigerated truckA fridge truck is three assets at once — chassis, insulated body and refrigeration unit —…Read the guide
Refrigerated trailerFridge trailers hold value better than fridge rigids, but the unit hours and the state of…Read the guide
Car transporterCar transporters are specialist enough that the funder panel narrows sharply, and the deal usually rests…Read the guide
Recovery truckRecovery trucks earn on call-out contracts, and funders weigh the recovery equipment and the club or…Read the guide
Beavertail truckBeavertails move plant without a low loader licence burden, which makes them the practical choice for…Read the guide
Low loaderLow loaders carry the machines nothing else can, and funders assess them on the heavy haulage…Read the guide
Concrete mixer truckMixer trucks are single-purpose machines tied to concrete supply, so funders look closely at where the…Read the guide
TankerTankers are built for one product family, and what the tank was designed to carry determines…Read the guide
Bulk tipper trailerBulk tipping trailers carry more per trip than any rigid tipper, and funders treat the body…Read the guide
Walking floor trailerWalking floors unload without tipping, which is why waste and biomass operators use them where overhead…Read the guide
Double deck trailerDouble deckers nearly double the pallet count per trip, which is why retail and network operators…Read the guide
Crane lorryA lorry loader turns a flatbed into a self-sufficient delivery vehicle, and funders assess the crane…Read the guide
Road sweeperSweepers earn on contracts rather than loads, so funders assess the sweeping business and the contract…Read the guide
Refuse truckRefuse collection vehicles run on contracted rounds, and that recurring income is exactly what makes funders…Read the guide
Livestock lorryLivestock lorries are built for one job and one welfare standard, and funders assess the deck…Read the guide
Electric truckElectric HGVs are funded, but with less residual history behind them, funders lean harder on the…Read the guide

Truck finance and how it differs from van finance

An HGV covers in a year what a van covers in three. It is worked harder, maintained to a stricter standard and replaced on a schedule driven by maintenance cost rather than fashion. Lenders who understand road transport price that properly; lenders who do not treat it as an oversized van and get the term wrong in both directions.

HGV finance for rigids and artics

Whether it is a 7.5 tonne rigid, an 18-tonne curtainsider or a tractor unit pulling 44 tonnes, HGV truck finance works on hire purchase, finance lease or contract hire. Terms are typically longer than for vans because the vehicles hold value and stay in service longer.

Tippers, recovery trucks and specialist bodies

Tipper finance, recovery truck finance and specialist bodywork — skip loaders, hook lifts, curtainsiders, refrigerated bodies, cranes and HIABs — all fund on the same basis. Because a body conversion adds cost that does not always add resale value, the right lender matters more here than on a standard chassis.

Trailer finance

Trailer finance is often overlooked and is usually the easiest part of the fleet to fund. Trailers depreciate slowly, hold value well and are simple to identify and recover, which makes them strong security. Curtainsiders, flatbeds, tippers, tankers and box trailers all qualify.

Pickups and Lutons

Between van and lorry sits a whole class of working vehicles. Pickup truck finance covers double-cab 4x4s used across construction, agriculture and utilities. Luton van finance funds box-bodied vehicles for removals and distribution. Both fund readily and often on van-style terms rather than HGV terms.

Operator licences and new entrants

A new haulier faces the same problem as any new business, with an added complication: the O-licence requires evidence of financial standing. Funding the vehicle rather than buying it outright preserves the reserves that the licence assessment looks for. Tell us where you are with the licence and we will factor it in.

Commercial vehicle finance across a mixed fleet

Most transport businesses run a mix — tractor units, rigids, trailers, vans and a pickup or two. Commercial vehicle finance in the UK works better as one facility across the fleet than as a dozen agreements with different end dates. If you are re-fleeting, send the whole list.

How it works

1

Tell us what you need

One quick conversation about the asset and how the repayments need to work.

2

We search 60+ lenders

As an independent broker we find the right structure and rate — not one lender’s products.

3

You get funded

Indicative decisions in as little as 24 hours, then we manage it through to payout.

Estimate your repayments

Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.

£25,000
48 months
0% · £0

Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.

Estimated monthly payment
£646
over 48 months
Amount financed£25,000
Total repayable£31,000
Cost of finance£6,000
Equivalent APR11.5%
Get my exact rate

Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and will receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.

Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.

Frequently asked questions

Can I get HGV finance as a new haulier?
Often yes, though a new operator without trading history narrows the lender list. Funding the vehicle rather than buying outright also helps preserve the reserves your O-licence financial standing assessment looks for.
What terms are available on truck finance?
Usually longer than van finance, because HGVs hold value and stay in service longer. The right term reflects how long you will realistically keep the vehicle and its maintenance profile.
Can I finance a used lorry?
Yes. Used HGV finance is routine, with age, mileage and service history affecting the term. A well-documented maintenance record makes a material difference.
Do you fund trailers as well as tractor units?
Yes, and trailers are often the easiest part of a fleet to fund. They depreciate slowly and are simple to identify, which lenders view as strong security.
Can I fund a specialist body or conversion?
Yes — tippers, skip loaders, hook lifts, refrigerated bodies, cranes and HIABs. Conversions add cost that does not always add resale value, so the choice of lender matters more here.
Can I fund a mixed fleet on one agreement?
Usually yes, and it is simpler than separate agreements running to different end dates. Send us the full list of what you are re-fleeting.
Do you cover my area?
Yes — CW Asset Finance is based in Tadcaster and works with clients Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire, as well as nationwide.

Get your quote

Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.

Prefer to talk? Call 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.

Machines we fund

300 machines named across 30 types of HGVs & trucks. This is not a restricted list — it is what we are asked for most often. If the machine you are buying is not here it almost certainly still funds: your supplier quote is what the agreement is written against.

HGV tractor unit finance10
Rigid truck finance10
7.5 tonne truck finance10
18 tonne truck finance10
26 tonne truck finance10
Tipper truck finance10
Grab lorry finance10
Hook loader finance10
Skip loader finance10
Curtainsider truck finance10
Curtainside trailer finance10
Flatbed truck finance10
Dropside truck finance10
Box truck finance10
Refrigerated truck finance10
Refrigerated trailer finance10
Car transporter finance10
Recovery truck finance10
Beavertail truck finance10
Low loader finance10
Concrete mixer truck finance10
Tanker finance10
Bulk tipper trailer finance10
Walking floor trailer finance10
Double deck trailer finance10
Crane lorry finance10
Road sweeper finance10
Refuse truck finance10
Livestock lorry finance10
Electric truck finance10