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.

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.



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. 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. 

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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