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Vehicles We Can Help You Fund

Businesses across sectors use vehicle funding for a range of commercial needs. We can help with:

Light commercial vans for trades, deliveries and local operations

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Trucks/HGVs for haulage, logistics and freight

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Company cars used for business travel

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Specialist and high-value vehicles used in operations

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Vehicle finance solutions from Millbrook - Vans

What is commercial vehicle finance?

Commercial vehicle finance helps businesses fund the acquisition of new or used vehicles. With Millbrook, you can secure a hire purchase, lease or even release equity from existing agreements - offering flexibility for business vehicle loans.

Apply for a vehicle finance - tick iconSecure your funding

Vehicles We Can Help You Fund

Businesses across sectors use vehicle funding for a range of commercial needs. We can help with:

Light commercial vans for trades, deliveries and local operations

green-check

Trucks/HGVs for haulage, logistics and freight

green-check

Company cars used for business travel

green-check

Specialist and high-value vehicles used in operations

See our success stories Browse Millbrook's success stories - arrow icon
Finance Options Explained

Two structured routes to funding your vehicles

There are structured routes to funding your business vehicles depending on whether you want to own, lease, or refinance. Use the tabs below to compare your options.

Hire purchase lets you spread the cost of a vehicle over a fixed term while working toward ownership.

  • Fixed monthly repayments at an agreed rate
  • Ownership at the end of the term
  • VAT can be deferred (in many arrangements)
  • Balloon payments reduce monthly cost
Check hire purchase eligibility

Hire purchase is generally suited to

  • Businesses planning long-term ownership
  • Vehicles that will be used beyond typical lease terms

A finance lease allows use of the asset for an agreed period without outright ownership.

  • Lower upfront costs
  • VAT on monthly payments
  • Easier access to newer or upgraded vehicles
  • Repayments typically tax-deductible
Check leasing eligibility

Lease finance is often chosen where

  • Cash flow is prioritised
  • Operational flexibility is required

Not sure which option fits your situation? Our advisors will help you compare both routes with no obligation.

Speak to an expert
Why choose Millbrook

How can Millbrook's vehicle finance help your business?

Millbrook is a specialist UK commercial vehicle finance provider. Our dedicated team of experts can match you with the perfect solution for your business. No matter your needs or requirements, our bespoke approach to vehicle finance ensures we can secure the best, most affordable deal for you.

Easy to access funds

Access funds to purchase vehicles that are essential to your business operations.

Preserved capital

Preserve your working capital for other important needs.

Fixed payments

Fixed monthly payments, providing you with predictable expenses and the ability to plan cash flow.

Flexible financing terms

We shape repayment terms and financing periods to fit your needs.

Competitive advantage

Access the vehicles to improve your business' efficiency and gain advantage over competitors.

Maintenance & repair cost savings

Purchasing new commercial vehicles can often reduce long-term maintenance and repair costs, compared to older, outdated vehicles.

Find the right fit

Choosing the right option for your business

Your decision will depend on how you use your vehicles and your broader business strategy. This section helps you match your business scenario with the most practical funding approach.

1

Growing fleets

Finance agreements that scale with new additions as your business expands.

Hire Purchase or Lease
2

Seasonal demand

Lease options aligned to cash flow cycles to ease pressure during quieter periods.

Finance Lease
3

Asset ownership

Hire purchase when you plan long-term use and want vehicles on your balance sheet.

Hire Purchase
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Replacing old vehicles

Refinance to unlock equity from existing agreements and reinvest in your fleet.

Refinance
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Cash-preserving strategies

Arrangements that protect working capital so funds stay available for operations.

Lease or HP

Ready to apply for vehicle finance?

Complete our application in minutes and see which vehicle finance options you’re eligible for.

Apply now
What you gain

Practical benefits of vehicle funding

Choosing the right funding route can help your business in key ways. These benefits often outweigh the cost of outright purchase for many SMEs.

  • 01

    Maintain predictable monthly budgetsFixed repayments give you a clear, consistent cost to budget around every month.

  • 02

    Preserve capital for operations or to invest elsewhere in the businessKeep funds available for stock, staffing or growth rather than tying them up in vehicles.

  • 03

    Keep vehicles up-to-date and reliableFinance makes it practical to replace ageing vehicles on a regular cycle, reducing breakdowns and delays.

  • 04

    Access better specification vehiclesSpread the cost and reach higher-spec vehicles that would otherwise require significant upfront investment.

  • 05

    Align repayments to cash flow and tax requirementsStructure your agreement to suit your revenue cycle and make the most of available tax efficiencies.

Already have vehicles under agreement?

Beyond our flexible hire purchase and lease finance solutions, you can also release equity from existing lease agreements. Either to unlock value to reinvest elsewhere or to get better repayment terms.

Learn more about refinancing
Who we work with

Typical business use cases

Vehicle finance is used successfully across many UK industry types. Each sector has unique requirements and typical lender expectations — get in touch if you require tailored examples.

Haulage & logistics operators

Fund HGVs and trucks for freight, haulage and distribution operations.

Construction and trades businesses

Vans, plant vehicles and specialist transport for build and trade contractors.

Distribution and courier services

Light vans and fleet vehicles for last-mile delivery and courier operations.

Professional services with vehicle fleets

Company cars and vehicles for business travel across professional sectors.

Plant hire and specialist operators

Finance for specialist vehicles and plant hire operators across the UK.

Ready to get your fleet moving?

From arranging logistics, transport and haulage business finance to business car loans - we'll help get your new wheels on the road.

FAQS

Frequently Asked Questions

What is commercial vehicle finance? faq_arrow

Can a business finance a car, van, truck or bus? faq_arrow

What finance products are available for commercial vehicles? faq_arrow

What happens at the end of a hire purchase agreement? faq_arrow

Can startups apply for vehicle finance? faq_arrow

Can you source vehicles for my business? faq_arrow

Still got questions?

Perform another action by clicking the button below

Go to FAQs Page
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Explore More Finance

Other ways to fund your business

If vehicle finance isn’t suitable, these options may offer a more flexible funding structure.

Asset & Equipment Finance

Fund machinery, tools and equipment essential to your operations.

  • Purchase any asset
  • Simple application process
  • Repayment terms up to 7 years
Fund business equipment

Business Loans

Access flexible funding for broader business costs beyond vehicles.

  • For any business purpose
  • Up to 10 years repayment terms
  • Funding approved within 8 hours
Explore business loans

Refinance

Release equity from existing vehicle or asset finance agreements.

  • Release cash from your equipment
  • Obtain improved finance terms
  • Great for debt consolidation
Release cash from vehicles

Invoice Finance

Improve cash flow while managing ongoing vehicle costs.

  • Up to 90% of invoices' value
  • Your facility grows with you
  • Fast and simple to release cash
Unlock invoice funding

Helping businesses like yours

 

We understand building a successful business can take years of dedication, be a lifelong dream or require a lightbulb moment to make it a reality. We focus on your finance, so you can make the magic happen.

£100k secured for one the UK's oldest family haulage firms

A family haulage firm, established for 118 years, needed to buy two new trailers to expand their operations.

white-check Funding for two Tri Axle Curtainsided Double Deck Step Frame Trailers
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white-check Beat the rate and terms on an existing quote
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TONY PISANI

Senior Business Finance Specialist

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One thing I love is the variety of businesses I get to help every day. Whether you're a new start with big dreams, or one of the most established in the country, Millbrook will work to secure the right finance for your goals.

TONY PISANI

Senior Business Finance Specialist

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Apply now for commercial vehicle finance with Millbrook

 

Ready to apply for funding? Our commercial vehicle finance experts will match you with a financing solution that meets your specific vehicle needs.

Start your application for a vehicle finance - tick icon Start your application