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
Whole-of-market — 60+ lenders searched, including
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
Tractor units & artics
New and used units for 44-tonne operation.
Rigids 7.5-26t
Curtainsiders, boxes and flatbeds.
Tippers & skip loaders
Construction and waste bodies.
Recovery trucks
Spec lift, tilt and slide, and plant recovery.
Trailers
Curtainsiders, flatbeds, tippers and tankers.
Pickups & Lutons
Double-cab 4x4s and box-bodied vehicles.
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
Tell us what you need
One quick conversation about the asset and how the repayments need to work.
We search 60+ lenders
As an independent broker we find the right structure and rate — not one lender’s products.
You get funded
Indicative decisions in as little as 24 hours, then we manage it through to payout.
Estimate your repayments
Hire Purchase illustration at a representative 8.9% APR — a quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a representative 8.9% APR, you would repay around £617 a month; total amount repayable approximately £29,610. 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 may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
Frequently asked questions
Can I get HGV finance as a new haulier?
What terms are available on truck finance?
Can I finance a used lorry?
Do you fund trailers as well as tractor units?
Can I fund a specialist body or conversion?
Can I fund a mixed fleet on one agreement?
Do you cover my area?
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 07581 364281 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.