Transport & Logistics Business Loans | Fleet & Fuel Funding | £5k–£500k+
In the logistics world, if your wheels aren't turning, you aren't earning. Between rising fuel costs, urgent vehicle repairs, and waiting 90 days for invoices to settle, managing cash flow can feel like an uphill climb. We provide fast, flexible transport finance to keep your fleet on the road. FCA-authorised with decisions in hours.
How Transport & Logistics Firms Use Our Funding
From fleet expansion to fuel management — flexible capital designed for transport operators.
Fleet Expansion & Asset Finance
Acquire new HGVs, trailers, or courier vans without draining your cash reserves. Spread the cost over 3–72 months with specialist asset funding.
Bulk Fuel & Maintenance Capital
Don't let a spike in pump prices or an MOT failure stall your business. Use a working capital loan to bulk-buy fuel or cover emergency repairs.
Invoice Finance for Cash Flow
Bridge the 30–90 day payment gap. Get paid immediately for completed deliveries so you can take on more jobs without waiting for client cheques to clear.
Expert Insights for Transport Finance
Practical tips to help your operation manage cash flow more effectively.
The "Bulk Fuel" Margin Saver
Use a revolving credit line to bulk-buy fuel when prices are low. This tactical move can save you thousands compared to paying pump prices during a spike.
CAZ & ULEZ Compliance
Use Asset Refinance to unlock equity in your older vehicles. Use that cash as a deposit for newer, compliant Euro 6 models to avoid daily city charges.
The "O-Licence" Shield
Maintaining your Operator's Licence requires proof of 'financial standing.' A quick unsecured business loan can bridge the gap if an unexpected bill dips your balance below the threshold.
Explore Related Funding Options
Discover other products that could work for your transport operation.
Short Term Business Loans
Bridge the gap between deliveries with flexible short-term finance.
Learn MoreTransport & Logistics Finance: A Closer Look
Why funding HGV operators and logistics businesses is fundamentally different — and why O-Licence Financial Standing requirements drive funding strategy.
The O-Licence Financial Standing Test
UK HGV and PSV operators must demonstrate "Financial Standing" to the Traffic Commissioner under the goods vehicle operator licensing regime — currently around £8,000 of available capital for the first vehicle and roughly £4,500 for each additional vehicle. This isn't a one-off check at application; the Traffic Commissioner can demand evidence at any point during the licence's life. Falling below the threshold can trigger a public inquiry and ultimately licence revocation. That's why so many transport operators specifically need a standby credit facility — not necessarily one they intend to draw — purely to evidence financial standing during a snap audit. Specialist transport lenders understand this dynamic.
CAZ, ULEZ, and the Fleet Renewal Pressure
The roll-out of Clean Air Zones (CAZ) in Birmingham, Bath, Bradford, Bristol, Manchester, Newcastle, Portsmouth, Sheffield, Tyneside, and others — combined with London's expanded ULEZ — has put non-compliant Euro 5 and earlier HGVs under enormous depreciation pressure. Operators servicing CAZ areas with older fleets face daily charges that quickly outweigh the cost of refinancing into Euro 6 or electric alternatives. Specialist transport finance lenders are actively backing CAZ-driven fleet renewal with Hire Purchase and Finance Lease facilities over 5–7 years, often with the first 6 months' payments structured to align with the timing of CAZ enforcement going live in the operator's home depot area.
Choosing the Right Funding Structure
There is no single "transport loan" — the right product depends on what you're solving. For new or replacement HGVs, vans, and trailers, Hire Purchase or Finance Lease over 3–7 years (matched to the asset's useful life and CAZ-compliance horizon) is the cleanest fit. For Invoice Finance against client payment terms — particularly common for hauliers servicing supermarkets, retailers, and 3PL contracts on 60–90 day terms — confidential factoring or invoice discounting advances 80–90% of invoice value within 24 hours. For working capital, fuel deposits, or bridging a quiet quarter, an unsecured term loan over 6–24 months works well.
Eligibility Requirements
To qualify for our alternative business finance solutions, your business needs to meet these basic criteria
Quick Eligibility Check
UK Registered Company
Your business must be either a limited company, LLP, sole trader or partnership in the UK
Monthly Turnover £10k+
Minimum monthly turnover of £10,000 to qualify for funding
6+ Months Trading
At least 6 months of established trading history required
UK Resident Director
At least one director or shareholder must be a UK resident
Meet the criteria?
If your business meets these requirements, you could be eligible for funding despite bank declines
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Hundreds of UK businesses have relied on us when they needed funding fast.
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Frequently Asked Questions
Common questions about transport & logistics business funding.
Ready to Keep Your Fleet Moving?
From fleet expansion and fuel-gap funding to invoice finance and emergency repairs — get the capital your transport business needs to stay on the road.