Business van finance

No matter if your business is a limited company, PLC, partnership, or sole trader, there’s a business van finance deal for you.

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Jackie Escartin
I had the pleasure of working with David from Swoop, and I couldn’t be more grateful for the support he provided throughout my loan application process. From the very beginning, David went above and beyond to guide me through every step with clarity, patience, and professionalism. He made what could have been a stressful experience feel smooth and manageable. David truly understood my business needs and worked tirelessly to ensure I got the best possible outcome. His dedication, prompt communication, and honest advice made a huge difference. Thanks to his help, I was able to secure the funding I needed — and I felt fully supported the entire way. If you’re looking for someone who genuinely cares and knows how to get things done, I highly recommend working with David at Swoop!
Jun 30, 2025
Joseph
Really good experience from start to finish. Our needs were fairly specific with the requirements of a specific maximum APR with unsecured terms and Predrag put us in touch with the perfect lender for our needs. Would highly recommend using Swoop as they were able to find us lending options that we simply wouldn't have been able to find on our own.
Jun 26, 2025
Syma Aurangzeb
Excellent customer service with a personal touch. Made the whole process easy from start to finish. Highly professional and efficient 10/10
Jun 14, 2025
London Elite
Outstanding service start to finish
Jun 11, 2025
Niki Still
Predrag was very helpful and suppportive through this process. He kept things on point and helped me to get what I was after. Incredibly appreciative of all he did to get me to this point.
Jun 9, 2025
Alun
With Ann Marie Swift, I experienced probably the most succinct, clear and helpful financial advice phone call I have had in many years. She listened and explained clearly, making the process very simple. Highly recommended!
Jun 8, 2025
Healthcare Company
Shane from swoop was very professional and patient. The service was fast and efficient. Highly recommend swoop funding.
Jun 6, 2025
Barry Chapman
Really couldn't fault the service. Adrian was highly efficient, going above and beyond to make sure everything was done and all boxes were ticked in time for the process to continue to completion. Thank you.
Jun 5, 2025
Jonno Bennett
The process was fast and efficient. They did everything that they said that they would with minimal fuss. Very friendly staff kept us informed along the way and once the facility was established a follow up welcome phone call detailed the process for drawing down the funds. I couldn’t be happier
Jun 4, 2025
Tyler Panayi
I had Ikhar from the beginning and she has been absolutely amazing and got the deal over the line. She was on point and I can’t thank her and he company enough! Highly recommend this company and Ikhar!! Thank you so much!
May 30, 2025
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Looking to finance a single company van or fleet of company vans?

Financing one company van or a whole fleet of company vans makes good business sense. Instead of putting strain on cashflow and tying up hard-won capital in your vehicles, spread the cost out over time. Pay for your vans as you use them to make money for your business. Choose from purchase or lease options, refinance an existing commercial vehicle, even free up liquid cash from vans you already own. Whichever route you choose, van finance for business puts you in the driving seat.

Types of finance available

Which is the best type of finance for your business?

Type of financeUpfront deposit?Balloon payment?Do you own the van at end of contract?Maintenance included?Excess miles charges?
Hire Purchase
Hire Purchase with balloon
Sale and LeasebackPossibly
Finance LeaseOptionalPossibly
Operating leasePossibly, or you may collect a surplus
Contract hire
Van refinance

Why use Swoop?

A dedicated funding manager will help find a tailored solution to your needs

Swoop is fully authorised and regulated by the Financial Conduct Authority

Swoop's technology paired with our funding managers networks means you'll have access to deals only available through us

Get funding fast - we can help you get finance in as little as 48 hours

How do I apply?

It’s quick and easy to apply for van or car finance online and our support team are on hand if you have any questions.

Quickly check if you qualify

Have your financial statements and vehicle quote ready.

Apply online in 10 minutes

Tell us about you and your business with our simple application.

Get your decision

If approved, you’ll receive a no-obligation, personalised quote.

Your loan is funded

Once you accept, we run some final checks to process your loan and deposit the money straight into your account.

Testimonials

Prefer to talk?

Contact our asset finance team if you have any questions

FAQs

Yes, you could get a van on finance as long as your business has sufficient income to repay the loan. 

Business van finance rates start as low as 3%.

Yes, although you may be asked to pay a higher deposit or higher interest rate and fees. Even if you have been turned down elsewhere, it may still be possible to secure the business van finance  you need.

Yes. Lenders will usually ask to see one to two years trading figures before providing a loan, but there are special business van finance deals for new businesses and startups. Note that you may be asked to provide a personal guarantee and/or pay a higher rate of interest on your loan.

Yes. Business van finance can be used to buy or lease new and used commercial vehicles.

Yes. A significant advantage to buying or leasing a company van over purchasing a company car is that 100% of the van’s cost can be claimed as a capital allowance. This means that the full value of the van is offset against your company profits, which reduces the amount of corporation you may pay. Additionally, you can usually reclaim 100% of the VAT element of the van’s purchase or leasing cost, and van operating costs, such as fuel, MOT and repairs are also tax deductible.

Yes. Lease payments and HP payments for commercial vans are 100% tax deductible.

Yes, although they will buy their commercial vehicle in the same way that they would buy a car - as a private citizen, not a limited company. Van costs are 100% tax deductible for sole traders and if they are registered for VAT, they may reclaim 100% of the VAT element of the lease or purchase cost.

Yes, although you may be required to pay a higher rate of interest and fees.

Yes, if your business makes a profit. Van purchase, lease and operating costs are 100% tax deductible. These costs may be set against annual profits, which will reduce the net income liable to corporation tax for limited companies, or income tax for sole traders.

Yes, although you may be required to pay a higher deposit, and/or rate of interest and fees.

This depends on your business’ financial circumstances and what your long-term intentions for the van are. If you wish to eventually own the van, then a finance deal may be best for you, but keep in mind that this will usually mean higher monthly payments than leasing. If you only want the van for the term of the contract and do not wish to ever own it, and you want lower monthly payments, leasing may be the better option for you.

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