Get a straight answer on your van finance
Tell us what you do and the van you need. We take one enquiry to a panel of trusted UK lenders and come back with what’s realistically possible. No hard sell, and no full application to find out.
One year’s filed accounts, and from £10,000 for a limited company or £25,000 for a sole trader. Turned down elsewhere? That’s exactly who we help.
FCA-regulated credit broking Credit broker, not a lender Whole-of-panel lenders Limited-company specialists
Decisions are subject to status and eligibility.
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We use Companies House to do the heavy lifting.
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Common questions before you apply
Straight answers to the questions we hear most, on eligibility, credit checks and how the process works.
Will getting a quote affect my credit score?
No. Your initial quote uses a soft search that doesn’t affect your credit score. We only run a full application, which may involve a hard credit check, once there’s a realistic fit, and we’ll always tell you before we do.
Are you a lender?
No. We’re a credit broker, not a lender. We take one enquiry to a panel of trusted UK lenders and find the right fit, rather than pushing you into a single product. Van Finance Limited is an appointed representative of Coates Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 807354).
Who can you actually help?
You will need at least one year’s filed accounts, and a minimum lend of £10,000 for a limited company or £25,000 for a sole trader. Both minimums exclude VAT and are measured after your deposit, so in practice that is a vehicle around £12,000 or £27,500 respectively. Clear those and a previous decline is not a problem. Decisions are subject to status.
Do you guarantee approval?
No responsible broker can. All finance is subject to status and eligibility. What we can promise is a straight answer and a match to the lenders most likely to say yes, with no obligation to go ahead.