Flexible HGV Finance Solutions for Your Business
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#Here2Help You With HGV Finance
Whether you’re expanding your fleet, replacing ageing assets, or entering the haulage sector for the first time, securing the right HGV finance is critical to maintaining operational efficiency and business growth.
Reputable HGV finance companies do more than offer funding; they enable strategic investment, improve cash flow management, and support long-term planning.
At H2H Business Finance, we’ve supported transport operators across the UK with structured HGV finance solutions aligned to their specific commercial requirements. We provide clear advice, efficient processing, and tailored funding packages designed to keep your business moving forward with confidence.
Why Choose HGV Finance with H2H Business Finance?
Partnering with H2H Business Finance provides access to sector-specific funding solutions tailored to the operational and regulatory demands of the transport and logistics industry.
We recognise the challenges HGV operators face, from acquiring compliant assets and managing cash flow cycles to maintaining adherence with evolving industry standards.
Our structured HGV finance products are developed to align with your vehicle deployment strategies, asset lifecycles, and long-term capital planning requirements.
Whether your objective is to procure new assets, finance used vans, or implement a staged fleet upgrade, we offer configurable finance models that support strategic growth and operational continuity.
As one of the UK’s established HGV finance companies, H2H is committed to delivering scalable solutions that support every phase of your commercial vehicle lifecycle.
Flexible Repayment Terms-
Our finance structures are tailored to your cash flow patterns and operational model, allowing you to align repayments with revenue cycles and minimise financial strain during off-peak periods.
Quick Approval Process-
With a streamlined assessment and documentation process, we accelerate credit decisions enabling you to secure HGV finance promptly and minimise downtime in vehicle procurement or deployment.
Competitive Interest Rates-
By accessing a broad network of specialist lenders, we negotiate competitive interest terms that optimise cost-efficiency while supporting long-term capital planning and operational sustainability.
No Hidden Fees-
Our finance agreements are fully transparent, with clearly defined costs, no hidden charges, and terms disclosed upfront to support accurate forecasting and compliant financial management.
Expert Advice-
Our experienced team offers end-to-end guidance whether you’re applying for an operator’s licence, financing used vans, or structuring multi-vehicle acquisitions ensuring each solution aligns with regulatory and operational priorities.
What We Offer
H2H Business Finance provides tailored asset finance solutions designed to meet a range of commercial transport needs from single-vehicle acquisitions to full fleet expansion. Our funding structures support capital planning, improve liquidity, and accommodate diverse asset types including HGVs and used vans.
Hire Purchase
Acquire full vehicle ownership upon completion of fixed monthly instalments. Ideal for businesses aiming to build equity in long-term assets while spreading the acquisition cost over a defined repayment period.
Lease Purchase
A structured finance solution similar to hire purchase, incorporating a final balloon payment to reduce monthly outgoings suitable for operators seeking ownership with enhanced cash flow flexibility throughout the term.
Operating Lease
A non-ownership rental model where the vehicle is leased for a fixed term. Suitable for businesses seeking usage without asset ownership, typically with off-balance-sheet accounting and reduced capital exposure.
Finance Lease
Enables use of the asset through scheduled payments over a contracted term. Ownership remains with the lender, but you may sell the vehicle at term-end, retaining a portion of the sale proceeds.
Who Can Benefit from HGV Finance?
HGV finance solutions are designed to support businesses across sectors that depend on commercial transport, enabling strategic vehicle acquisition, optimised capital expenditure, and improved operational efficiency through tailored funding.
Transport & Logistics
Structured HGV finance solutions that support fleet scalability, optimise delivery capacity, and maintain operational continuity during seasonal peaks or contract-driven demand surges.
Construction & Building
Finance options for sector-specific vehicles such as tippers and grab lorries, enabling efficient asset deployment across projects while preserving working capital.
Agriculture & Farming
Flexible finance packages for rural operators, accounting for seasonal revenue fluctuations and supporting reliable vehicle access for year-round agricultural operations.
Waste Management
Specialist funding for high-spec vehicles like skip loaders and compactors, aligned with regulatory and operational requirements unique to environmental and recycling services.
HGV Truck Finance – What’s Included?
Our truck finance packages cover vehicle acquisition new or used alongside optional provisions for maintenance, insurance, and extended warranties. Agreements are structured to align with operational usage, cost planning, and cash flow management requirements.
- Purchase of new or used HGVs
- Optional cover for maintenance and servicing
- Insurance add-ons and extended warranties
- Flexible terms suited to your route schedules and income streams
Assistance with HGV Operator’s Licence
We provide financial and documentation support to help businesses meet the compliance requirements for an HGV operator’s licence, including budget forecasting, evidence of financial standing, and tailored funding aligned with DVSA regulatory criteria.
We’ll help with:
Financial documentation support
Budget planning for compliance
Finance options that align with licence application requirements
Whether you’re starting out or renewing your licence, we’re on hand to help you stay compliant and ready to trade.
Finance for Used Vans and Fleet Upgrades
We offer structured finance solutions for acquiring used vans and upgrading existing fleets, enabling cost-effective asset renewal, improved vehicle reliability, and scalability without compromising cash flow or overextending capital resources.
We provide finance options for used vans and HGVs, helping you:
Lower your upfront investment
Access trusted vehicles with service histories
Upgrade your fleet without overextending your budget
Perfect for growing businesses or replacing older stock one step at a time.
How to Apply for HGV Finance
Our application process is streamlined for efficiency, requiring basic financial documentation and credit assessment. We deliver fast approvals typically within 24–48 hours enabling timely vehicle acquisition and minimal disruption to operational planning or cash flow.
Apply online in just a few minutes
Upload basic documents – we’ll guide you
Get a decision fast – often within 24–48 hours
Receive funding and hit the road
You focus on driving. We’ll handle the paperwork.
Why Partner with H2H Business Finance?
H2H Business Finance combines industry-specific knowledge with access to a broad lender network, delivering tailored HGV finance solutions that align with your operational goals, compliance requirements, and long-term asset strategies all under FCA-regulated guidance.
FCA-regulated
Access to specialist lenders
Rated Excellent by our customers
No call centres. Just real conversations.
Let’s get moving.
Whether it’s one truck or ten, H2H is Here2Help.
FAQs
Can you finance with poor credit?
Yes, we work with lenders who understand that credit isn’t everything. If your business is doing well, we may still be able to help even with a low credit score.
Can I finance a used HGV with no credit check?
Completely no-credit-check deals are rare, but some lenders focus more on your business than your credit history. Let’s talk there may still be options for you.
Do I need a deposit, and what credit score is required?
A small deposit (usually 10–20%) is common, but some deals may not need one. Credit score matters, but we look at the full picture including your business strength.
What tax benefits come with HGV finance?
You can often reclaim VAT and write off interest and lease payments as business expenses helping you save at tax time.
Who is eligible for HGV funding?
We help sole traders, limited companies, start-ups, and growing businesses. If you need a truck and have a plan we’re here to support you.
Get Started Today
All we need is some information on yourself and the machinery and we can show how we can help. If this sounds like something you can benefit from, Get started today!