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Cat S / Cat N Van Finance

Finance a professionally repaired Cat S or Cat N van.

A recorded write-off that’s been professionally repaired can be a bargain — but fewer lenders will fund one. Here’s what’s realistic, and how we help limited companies place these cases.

  • check Free, no-obligation quote — apply in seconds
  • check A soft check that won’t affect your credit score
  • check Find your own van, or we’ll source it for you
  • check Limited-company specialists — used or new
  • check A credit broker, not a lender, with a panel of trusted UK lenders

Subject to status and eligibility. Van Finance Limited is a credit broker, not a lender.

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Any van, any brand We finance what your business needs

What Cat S and Cat N mean

Category S (structural) and Category N (non-structural) are insurance write-off markers showing a vehicle was previously damaged and repaired. The marker stays on the record permanently and affects value and financeability.

What’s realistically possible

  • A smaller pool of specialist lenders, not the mainstream panel.
  • Often a larger deposit and a shorter term.
  • A professional repair with evidence (invoices, photos) is essential.
  • An independent inspection or engineer’s report helps.

Be upfront — it’s faster

Always declare a Cat S/N marker up front. Trying to finance one as a clean van wastes time and leads to declines. Tell us early and we’ll go straight to the lenders who consider repaired vehicles.

We’ll Help You Every Step of the Way

Follow the simple 3 step process to finance your business today.

Once you have completed the first step, we will arrange a call to answer any more detailed questions you may have and move quickly through steps two and three to get your financial requirements successfully approved.

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  1. 01

    Complete the Form

    Complete the simple form below and apply online for the amount you need to grow your business

  2. 02

    Receive Fast Approval

    We will process your application and aim to get you approved for your desired amount in 24 – 48 hours

  3. 03

    Get Funded

    Congratulations! Now you’ve been approved, you can acquire the assets you require to grow.

Get a straight answer for your company

Tell us what you need to finance and we’ll tell you what’s possible across a panel of trusted UK lenders and used van providers.

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FCA-regulated credit broking Credit broker, not a lender Whole-of-panel lenders Limited-company specialists

Frequently asked questions

Can you finance a Cat N van?
Sometimes — a smaller group of lenders consider repaired vehicles with evidence of a proper repair, usually with a deposit. Subject to status.
Is Cat S harder than Cat N to finance?
Generally yes, because structural damage is a bigger risk. A documented professional repair and inspection improve the odds.

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