Van, HGV & Truck Finance That Keeps You Moving
Your vehicles earn your money, so finance should get them on the road quickly without draining your cash. Boost Finance arranges commercial vehicle finance for everything from a single van to a fleet of new tractor units, from dealers and specialist suppliers across the UK. We look at the vehicle, your business and your cash flow, then go to the lenders most likely to approve it on the right terms.
Want a quick figure first? Try our asset finance calculator.
What we finance
Small to large vans
Van Finance
Panel vans, crew vans, pickups and electric vans for trades, delivery and service fleets.
Tractor units & rigids
HGV & Truck Finance
Tractor units, rigid HGVs, 7.5 tonners and trailers for hauliers and own-account operators.
Construction & waste
Tippers & Grab Lorries
Tippers, grab lorries, skip and hook loaders, and specialist bodies built for the job.
Delivery & logistics
Luton, Box & Curtainside
Luton vans, box vans, curtainsiders and refrigerated vehicles for parcel and pallet work.
Hire purchase
Fixed monthly payments and you own the vehicle at the end. VAT deferral can help with the upfront cost.
Hire purchase →
Finance lease
A low upfront cost, with VAT paid on each monthly rental instead of on the full price at the start.
Finance lease →
Refinance
Release cash from vans and trucks you already own, or restructure existing finance.
Asset refinance →
Finance calculator
What would it cost each month?
Get an instant estimate using current UK lender rates, then let us find you the real deal.
Case study
Three new Renault Trafic vans for GA Commercial
Walsall-based GA Commercial wanted to stop renting vans and build its own fleet without tying up cash. We arranged three new Renault Trafic vans on a finance lease over 48 months, with just one monthly payment upfront and no VAT to pay in one lump at the start.
- Proposed and accepted on the same day
- Paid out the same week, in line with the supplier’s delivery
- A further van funded through Boost since
How it works
Tell us what you need
Search your company and tell us about the vehicle, machinery or equipment. It takes two minutes.
We find the right lender
We work on your behalf across our panel of specialist lenders to secure the best possible deal.
Get a clear quote
Rates, deposit and monthly payments set out clearly, with no jargon and no surprises.
Get moving
Once approved, we handle the paperwork and pay the supplier, so you can get your new asset working.
New & used
Finance for almost any commercial vehicle
We arrange van finance and HGV finance for new and used vehicles, from franchised dealers, specialist body builders and independent suppliers. Terms usually run from 2 to 5 years, with deposits and payment profiles shaped around how your business earns.
- Vans: small and medium panel vans, large vans, crew cabs, pickups and electric vans
- Delivery vehicles: Luton and box vans, curtainsiders, dropsides and refrigerated vans
- HGVs: 7.5 tonners, rigid HGVs, tractor units and trailers (see HGV & truck finance)
- Specialist: tippers, grab lorries, skip and hook loaders, recovery trucks, minibuses and converted vehicles
- Fleets: one vehicle or many, with options to add vehicles as you grow
Blog
Case Studies & Guides
Explore our latest case studies and finance guides.
Commercial vehicle finance for your sector
We work with lenders who understand how your industry runs and what your equipment is worth.
Specialist vehicles
Commercial Vehicle Finance FAQs
What is commercial vehicle finance?
Commercial vehicle finance lets your business get vans, trucks and HGVs without paying the full price upfront. You spread the cost over monthly payments, usually through hire purchase or a finance lease, and use the vehicle from day one.
Should I use hire purchase or a finance lease for a van?
With hire purchase you own the van once the final payment is made, and VAT-registered businesses can often reclaim the VAT on the purchase. With a finance lease the lender owns the van and VAT is added to each monthly rental instead, which keeps the upfront cost low. Your accountant can confirm the best option for your tax position, and we’ll set out the figures for both.
Can I finance a used van or truck?
Yes. Most lenders finance used vans and HGVs as well as new ones. The age and mileage of the vehicle at the end of the agreement affect which lenders we use and the terms available.
How much deposit do I need?
It depends on the vehicle and your business. Some deals need around 10%, some lenders will consider a single monthly payment upfront, and VAT deferral on hire purchase can reduce what you pay at the start.
Can a new business or sole trader get van finance?
Yes. We work with sole traders, partnerships and limited companies, and with lenders who support newer businesses. A larger deposit or a director’s guarantee can sometimes help a newer business get approved.
How long can I finance a commercial vehicle for?
Terms usually run from 2 to 5 years. Longer terms lower the monthly payment but increase the total cost, so we’ll help you find the right balance for the vehicle and your cash flow.
Do you finance whole fleets?
Yes. We fund single vehicles and complete fleets, including deals where vehicles arrive over several months. We recently arranged £543k of new Volvo FH tractor units for SK Distribution.
Are you a lender?
No. Boost Finance is a credit broker, not a lender. Boost Asset Finance Ltd is an Appointed Representative of EFT Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 667290). We work with a panel of lenders to find the right finance for you.
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