Water tank, pressure washer, generator and vacuum — valeting vans funded for operators who bring the wash bay to the customer driveway.
Whole-of-market — 60+ lenders searched, including
Yes, mobile valeting vans are fundable, usually as a van plus fit-out on a single agreement covering the water tank, pressure washer, generator, heater and vacuum system. Used vans are fundable. The qualifier worth knowing is that the equipment here is largely portable and relatively low value, so lenders tend to look at the base vehicle as the real security and the kit as a bonus. That means the credit decision leans on you and your trading evidence rather than on a specialist valuation, and a deposit often does more to secure a yes than anything else.
Used kit: Yes. Used valeting vans fund well, and because the equipment is portable a used base van in good order is often the sensible buy with the kit specified separately.
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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).
Placement is straightforward in principle because the base van is a mainstream asset, and that is exactly how funders approach it. A Transit Custom with a tank and a pressure washer is still a Transit Custom on resale, once the kit is removed, so the recoverable value is decent. The complication is the applicant profile: this sector attracts a lot of genuine start-ups with thin credit files and no accounts. Lenders respond well to contract evidence — a signed agreement with a dealership or fleet is worth more than any projection — and to franchise backing, since the franchisor provides a model the funder recognises. Water weight is a practical point some underwriters raise, because a full tank eats payload and an overloaded van is an insurance and wear problem. Declines are usually no-deposit start-ups with no contracted work.
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 |
|---|---|
| Ford Transit Custom valeting van | Medium van with tank and pressure washer |
| Vauxhall Vivaro mobile valeting | Value medium van valeting fit-out |
| Volkswagen Transporter detailing van | Compact van for detailing work |
| Renault Trafic valeting conversion | Medium van with water and generator |
| Citroen Dispatch valeting van | Medium van for car park pitches |
| Peugeot Boxer detailing unit | Large van with big water tank |
| Mercedes-Benz Sprinter valeting van | Large van with full wash equipment |
| Ford Transit L3H2 valeting fit-out | High-roof van for standing work |
| Nilfisk pressure washer | Mobile hot and cold pressure washing unit |
| Ford E-Transit Custom valeting van | Electric valeting van for city sites |
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Detailers and valeters going self-employed after working at a car supermarket or dealership, franchisees buying into a mobile car care brand, and established valeting firms adding a second or third van as they take on contract work with dealers, fleets and leasing companies. The trigger is frequently a contract: a dealer group or a fleet operator agreeing to regular work, which suddenly justifies a dedicated vehicle rather than a car and a trailer.
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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.
Usually yes, if it is fitted and invoiced by the supplier with the vehicle. Because the kit is portable and relatively modest in value, lenders treat the van itself as the main security and the equipment as a useful extra. A single supplier invoice covering vehicle and fit-out keeps the paperwork simple and the application moving without chasing three different firms.
Very much so. Water is heavy, and a large tank filled to capacity uses a meaningful share of the payload before you add equipment and stock. Check the plated weight against a realistic full-load figure, because running overweight affects insurance, wear and legality.
Often yes, particularly with a deposit and something concrete behind you — a dealership contract, a fleet agreement or a franchise. Lenders see a lot of start-ups in this sector, so anything that distinguishes you from an untested idea genuinely changes the outcome.
Frequently, yes. A recognised franchise gives the lender a model it understands, a support structure and often evidence of how existing franchisees perform. That does not guarantee approval, but it usually widens the panel compared with an independent start-up of the same age.
Most operators are better served by a good used van with the budget put into equipment and a professional fit-out, since the vehicle is essentially a mobile store and power source. New makes more sense if livery, warranty and appearance matter to the contracts you are chasing.
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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.