Maximum load cube on a standard licence — large panel vans funded for removals, couriers, installers and anyone shifting volume rather than weight.
Whole-of-market — 60+ lenders searched, including
Yes. Large panel vans at the 3.5 tonne mark are funded routinely, normally on hire purchase or a lease in the business name. They sit in a slightly narrower resale market than medium vans, so a funder pays more attention to specification — wheelbase, roof height and payload all affect what it is worth second-hand. The issue that trips buyers up is weight rather than credit: once a large van is racked out, plated and loaded, staying inside the gross vehicle weight on a standard car licence gets tight, and that affects both insurance and what the vehicle is genuinely fit for.
Used kit: Yes. Used large vans are widely funded, though lenders look harder at service history and previous use than they do on a medium van of the same age.
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Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. 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 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 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 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).
Large vans are still mainstream, but the panel narrows a little compared with medium stock because the used buyer pool is smaller and condition varies enormously. A tidy Sprinter or Crafter with sensible mileage places easily; a high-roof extra-long van that has spent four years on a parcel network is valued cautiously. Funders will ask what the van is used for, because removals and parcel work are high-wear applications and some lenders price or decline on sector. Limited companies with accounts are straightforward. Sole traders and newer businesses need either a deposit, a homeowner, or a contract to point at. The common declines are auction buys, vans with no service record, and applicants whose income all sits in cash with nothing showing through the bank.
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Mercedes-Benz Sprinter 315 L3H2 | Large van built for high mileage |
| Volkswagen Crafter CR35 L3H3 | High-roof large van for stand-up work |
| Peugeot Boxer L3H2 | Large van with big load volume |
| Citroen Relay L4H3 | Extra long high-roof large van |
| Vauxhall Movano L3H2 | Large van for removals and trade |
| Renault Master LL35 | Long large van with heavy payload |
| Ford Transit L4H3 Jumbo | Longest Transit for bulky freight |
| Iveco Daily 35S14 L4H2 | Truck-derived large van for heavy loads |
| Fiat Ducato L4H2 | Large van popular with converters |
| Maxus Deliver 9 L3H2 | Value large van with long warranty |
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Removals firms, kitchen and bathroom installers, shopfitters, parcel and pallet subcontractors, and event or AV crews who need volume. Often a business moving up from a medium van after repeatedly having to do two runs. Frequently bought by limited companies with a couple of years trading, and increasingly by courier subcontractors whose depot contract specifies a minimum load capacity before they can take a round.
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We publish the deals we arrange, with no client named and no rate quoted. See what we have funded in vans and fleet.
Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
A standard UK car licence generally covers vehicles up to 3,500kg gross weight. The issue is what you can carry once the van is converted, racked and fuelled, because the kerb weight eats into the payload. Check the plate on the van and weigh it loaded if you are close to the limit.
Not the application, but it affects the valuation. Extra-long, extra-high vans suit fewer buyers second-hand than a standard high roof, so funders value them a little more cautiously. It rarely stops a deal — it just means the lender figure may be lower than the advert price.
Yes, though some lenders treat removals as a higher-wear sector and underwrite accordingly. Showing regular contracted work, sensible mileage on your existing vehicles and a clean payment record all help. We know which funders are comfortable with the sector rather than pricing it as a risk.
Used usually gives you far more vehicle for the outlay, but large vans work hard and a poorly maintained one is expensive. New gives you warranty cover and a known history. The right answer normally comes down to how many miles you will do a year and whether downtime costs you work.
Yes. Subcontractors on parcel and pallet networks are funded regularly. Lenders will want to see the depot agreement or remittances proving the round exists, since the income is the whole basis of affordability. Very new subcontractors with no payment history usually need a deposit.
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See everything we fund in van and light commercial finance →
Not an offer of finance. All finance is subject to status, affordability and lender approval.
We are a broker, not a dealer — we have no stake in which van you choose. These are written on that basis.
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.