Funding for transport and haulage businesses

• Cash flow challenge: Transport and haulage companies facing rising fuel prices, delayed client payments, and high operating costs across vehicles, drivers, and logistics.

• Perfect for: Haulage operators, logistics providers, and fleet managers seeking funding to manage vehicle upgrades, working capital, and cash flow gaps.

Novuna helps transport and haulage businesses access fast, flexible funding to manage operations, renew fleets, and protect cash flow either through our award-winning in-house service or by comparing the market to ensure you have the best deal for your situation.

Boost your cash flow Speak to an expert

Keep your fleet moving with tailored finance solutions

Running a haulage or logistics business demands consistent access to capital whether you’re covering vehicle repayments, fuel, or payroll. Factoring, loans, and asset finance can help your business stay on track, even during seasonal peaks or delayed customer payments.

By securing the right finance facility, your company can:

• Replace or upgrade vehicles without upfront strain.

• Manage rising fuel and maintenance costs.

• Pay suppliers and drivers promptly.

• Keep operations steady when client invoices take weeks to clear.

Funding types for transport & haulage companies

1. Manage vehicle costs with asset finance

Buying or upgrading vehicles outright can create a significant financial burden. Asset finance helps transport companies spread the cost of HGVs, trailers, and other essential equipment over time.

This approach allows your business to:

• Acquire new vehicles or replace aging fleet assets.

• Preserve cash reserves for operational use.

• Match repayment schedules to your income cycles.

Many operators also use vehicle finance and equipment finance facilities to invest in energy-efficient or lower emission models improving both performance and sustainability.

2. Stabilise cash flow with invoice factoring

Slow paying clients are one of the biggest challenges in transport and haulage. Invoice factoring allows you to unlock up to 90% of the value of an unpaid invoice within 24-48 hours, giving you access to cash you’ve already earned.

This funding can be used to cover:

• Fuel and toll costs.

• Driver wages and subcontractor payments.

• Vehicle repairs, insurance, and compliance fees.

Explore our invoice finance to accelerate payments and strengthen cash flow.

By integrating factoring or invoice finance into your business, you can keep operations consistent without waiting weeks for invoice payments, an essential advantage when cash flow depends on long credit terms from logistics partners or retailers.

3. Cover operating costs with working capital loans

Working capital loans give you quick access to funds to manage short-term expenses and operational challenges.

Advantages:

• Managing fuel price spikes.

• Bridging income gaps caused by late client payments.

• eeting payroll and supplier commitments on time.

4. Strengthen supplier relationships with supply chain finance

Reliable supplier relationships are essential in logistics. Supply chain finance enables your business to pay suppliers early while maintaining agreed credit terms with buyers.

This approach supports both sides of your network:

• Suppliers receive early payment, improving their cash flow.

• Your business maintains stable operations without disrupting terms.

• Relationships with fuel providers, repair shops, and subcontractors are strengthened.

This type of finance creates resilience across your logistics chain helping you meet deadlines and maintain service quality, even when cash flow is tight.

5. Access innovation and sustainability funding

The UK government actively supports innovation in freight, logistics, and clean transport. Grants and funding schemes are available for projects improving efficiency, reducing emissions, or introducing new technologies.

Recent Department for Transport initiatives have provided up to £130,000 in funding for small and medium-sized businesses to explore sustainable solutions in freight movement.

If your business is investing in greener vehicles, telematics, or route optimisation technology, this type of funding can supplement your existing finance options and lower overall borrowing costs.

Why funding matters for transport and haulage businesses

With rising operational costs and delayed invoice cycles, maintaining cash flow is essential. A well-structured funding strategy helps transport companies:

• Keep vehicles road-ready.

• Manage compliance and maintenance costs.

• Maintain healthy relationships with staff and suppliers.

• Grow sustainably while protecting liquidity.

Boost your cash flow Speak to an expert

How Novuna Business Cash Flow can help

We’ve supported transport and logistics companies across the UK with flexible, sector-specific funding designed to stabilise cash flow and drive growth.

Speak to our experts today and we will help you find a great fit for your situation.