Van fleet finance
Two vans or twenty, fleet funding arranged so you can add vehicles as contracts land, without starting from scratch every time.
- FCA regulatedAppointed Representative, FRN 1031964
- 60+ lendersWhole-of-market panel, not one bank
- 5.0 from 19 Google reviews
- No credit checkEnquiring leaves no mark on your file
Yes. Funding multiple vans is straightforward, and there are two sensible routes: individual agreements per vehicle, or a facility that lets you draw down on new vehicles as you need them. The second is what most growing fleets want, because it removes a full application every time a contract requires another van. The thing operators underestimate is aggregate exposure. A lender looks at your total commitment across every agreement, not just the one in front of it, so the fifth van is assessed against the first four and the accounts have to support the whole book.
Who finances this
Installation and maintenance contractors scaling up on the back of a national contract, courier and logistics firms adding rounds, facilities management companies, and merchant and distribution businesses running local delivery. Typically a limited company with filed accounts and an existing fleet of two to ten vehicles. The trigger is almost always a contract award with a start date, which creates pressure to get several vehicles on the road at once rather than one at a time.
How lenders see it
Multi-vehicle funding is assessed as a credit line rather than as a series of vehicle deals. Underwriters look at filed accounts, management information, existing commitments across all funders, and the contract pipeline behind the expansion. A business that can show contracted revenue tied to the vehicles is in a far stronger position than one growing speculatively. Funders will also want to understand your replacement cycle and disposal policy, because a fleet that never sells anything accumulates old vehicles and hidden cost. Structure matters: hire purchase suits operators who keep vans long term, while leasing can suit fleets that cycle vehicles and want predictability. Mixed fleets with specialist bodywork usually need more than one funder. Declines tend to come from businesses whose existing commitments already stretch them, or where accounts are too far out of date to support the request.
Buying used
Yes. Mixed new and used fleets are funded regularly, and many operators deliberately buy used to keep replacement cost down while funding each vehicle individually.
Also in van and light commercial finance
See everything we fund in van and light commercial finance →
Van buying guides
We are a broker, not a dealer. We have no stake in which van you choose. These are written on that basis.
The van is one cost
Flowzo covers fuel, wages and the wait for customers to pay, working capital rather than the vehicle itself.
Machines we have funded
| Ford Transit Custom L2H1 | Core medium van for a mixed fleet |
|---|---|
| Vauxhall Vivaro L2H1 | Value medium van for volume orders |
| Mercedes-Benz Sprinter 315 L3H2 | Large van for high mileage routes |
| Volkswagen Transporter T6.1 | Medium van with strong resale value |
| Renault Master LL35 | Large van for distribution duties |
| Ford E-Transit | Electric large van for city contracts |
| Vauxhall Combo Cargo L1 | Small van for parts and service calls |
| Peugeot Expert Professional | Medium van for engineer fleets |
| Maxus eDeliver 9 | Electric large van for depot rounds |
| Ford Ranger XL | Pickup for site-based fleet teams |
Seven vans for an industrial door and shutter installer expanding its fitting teams, with the VAT position structured so it did not all land at once.
Can I fund several vans on one agreement?
You can fund several vehicles under one facility, though each van is usually identified individually because they have separate registrations and values. The practical benefit is a single approval and a single point of contact rather than a fresh application for every vehicle.
Can I add vans to a facility as contracts come in?
That is exactly what a drawdown facility is for. You get an agreed level of support up front and add vehicles against it as you need them, subject to the lender checks at each drawdown. It saves considerable time when work arrives faster than paperwork.
Does having finance with several lenders cause problems?
Not in itself, but every funder looks at your total exposure across all agreements. Spreading across lenders is normal for mixed fleets, especially where specialist bodywork needs a specialist funder who would not write a plain panel van. What matters is that the aggregate commitment across everyone is supportable by your accounts and your contracted work.
Should a fleet lease or buy vans?
It depends on your replacement cycle. If you run vans until they are worn out, ownership through hire purchase usually makes sense. If you change on a fixed cycle and value predictable costs and handover, leasing can suit better. Many fleets sensibly do both.
Can I refinance my existing fleet to release cash?
Often yes, where vehicles are owned outright or have equity in them. Refinancing a fleet can free up working capital for expansion. The funder will need ownership evidence for each vehicle, usually the V5C and the original invoice, and will value them individually before making an offer. Fleets are often easier to refinance than single vans because the combined value justifies the work.
Tell us what you need
About a minute of plain questions, and no documents to dig out.
Prime is established and profitable with clean credit. Specialist covers newer businesses and credit that needs explaining, the asset carries part of the risk, so finance is often available where an unsecured loan is not.
Illustrative only, not a quote, a flat rate is not an APR, so the APR on a given agreement will be higher. VAT and fees excluded.
Start my enquiryNo credit check, and enquiring leaves no mark on your credit file. Finance is subject to status. We are a credit broker, not a lender.
Only pricing it up?
An enquiry is a conversation, not an application. Nothing runs against your file until you tell us to go ahead.
No credit check to enquire
Your credit scoreUntouched
Conor reads every enquiry himself. We will call you within 24 business hours, and it will be the person who actually arranges the finance, not a call centre, and not a form that disappears.
A real person on your side
One adviser from your first enquiry to the money in your account. No call centres.
Your adviser
Conor HullMon to Fri, 9am–6pm
5.0 from 19 Google reviews
Thinking about van fleet finance?
A few questions, and we will tell you what the panel can do. No obligation, and no call centres.
