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Business van finance
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Cash flow challenge: I need to buy or replace a business vehicle without impacting day-to-day cash flow.
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Perfect for: Limited companies, partnerships, and sole traders who need access to business van finance to purchase, upgrade, or refinance vans for commercial use.
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Call us on 01952 956920 to speak to a real cash flow expert. We’ll help you apply for the right type of finance and make sure you get a great deal for your business.
Or click 'Boost your cash flow' below to compare providers.
Our asset finance options
Pages in this SectionWhat is business van finance?
Business van finance helps companies purchase or upgrade vans and commercial vehicles without needing to pay the full cost upfront. It’s a flexible form of asset finance that allows your business to spread repayments over time while keeping working capital free for day-to-day operations.
How business van finance works
When you take out van finance for a limited company, the loan is usually secured against the vehicle being purchased. This means the lender retains ownership until the final payment is made. Once the agreement is complete, the van becomes a business asset.
Common options include:
- Hire purchase: Pay an initial deposit, spread the remaining cost over monthly instalments, and own the van outright at the end.
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Finance Lease: Lease the van long-term and either return it or sell it at the end of the term.
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Fixed-term business loan for vans: Borrow a lump sum to buy a vehicle and repay it over a set period, keeping ownership from the start.
Advantages of business van finance
- Preserve working capital: Spread the cost of your van instead of paying upfront.
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Improve cash flow stability: Fixed monthly repayments make budgeting easier.
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Tax efficiency: Interest and depreciation can often be claimed as allowable expenses.
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Access better vehicles: Upgrade to newer, more efficient models without major outlay
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Build business credit: Timely repayments help strengthen your company’s credit profile.
How it works with Novuna Business Cash flow
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Tell us what asset you need to lease
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We compare providers and recommend a great fit for your situation
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You apply with expert support
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Start using the equipment while spreading the cost
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is a van finance right for you?
You need a new van without upfront cost
Spread the cost of your vehicle purchase with fixed, affordable repayments that protect your working capital.
You’re upgrading or expanding your fleet
Access finance options for one or multiple vans perfect for growing delivery, trade, or service-based businesses.
You want flexible funding that fits your cash flow
Choose from hire purchase or loan options to get your van now and pay over time, with terms that suit your business.
If that sounds like your situation, we’ll help you compare lease options and get the right structure in place.
Novuna can support a range of asset funding needs
I want to buy the asset outright over time
I want to lease with return options at end of term
I need to finance specific tools, tech or kit
I need business vehicles without high upfront costs
How we help
How Novuna helps businesses access funding fast
Tell us what you need
Start with a simple form or call - tell us your business challenge.
We compare your options
We compare multiple providers to get you a great deal.
Choose the right asset finance
We help you decide whether finance lease, operating lease or hire purchase is best for your goals.
Apply with expert support
Get help applying - with a real expert on hand throughout.
Get clear, transparent terms
No jargon, no surprises – just honest advice with no hidden fees.
Receive funding fast
Get access to finance quickly so you can focus on your business.
Why take action now
Get the equipment you need without cash flow stress
Get access to fast funding
Keep monthly costs predictable
Access finance now, with the flexibility to adapt later
Why choose Novuna Business Cash Flow?
Why businesses trust us for leasing and asset finance
We're highly rated by our existing customers
"The communication and support has been outstanding. Providing me with all the information I needed regarding new clients coming onto our books. The system they use is so user friendly and the drawdown payments are very efficient in the fast moving world of temporary payroll.'
More reviewsWe're a multi-award winning business cash flow specialist
Innovation in the SME Sector 2024
Alternative SME Lender of the Year
SME Lender of the Year 2023
Best Use of Technology 2023
Best Provider 2023
What finance leasing looks like in your sector
Tailored solutions for your industry
Can I get business van finance as a limited company?
Yes, van finance for limited companies is widely available, with lenders assessing your turnover, credit history, and trading performance before approval.
Can I get a business loan for vans with bad credit?
Some lenders offer options for businesses with limited credit history, though interest rates and deposit requirements may be higher.
Do I own the van at the end of the agreement?
If you choose hire purchase, yes. For leasing, you may return or upgrade the vehicle depending on the agreement.
