Skip to content

Limited Company Eligibility

Can my limited company get used van finance?

Short answer: usually yes, once you have a year’s filed accounts behind you.

Here’s the criteria we work to, how lenders actually assess a limited company, and what moves a “maybe” to a “yes”.

  • 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.

timer

Get Your FREE, No-Obligation Quote

Complete the Form. Receive Fast Approval. Get Financed

Step 1 of 5 · Your details20%
Step 1 of 5: Your details
person
mail
call

We use Companies House to do the heavy lifting.

Apply in 60 seconds. It won’t affect your credit score.
thumb_up
A better chance of a yes We match your business to the lenders most likely to help
task_alt
Soft credit check No impact on your credit score
bolt
Quick decisions A fast, no-obligation answer
local_shipping
Any van. Any brand. Finance. We finance what your business needs
Limited Company Eligibility for UK limited companies

Who we can help

Before you spend time on an enquiry, it is worth checking you clear our lending criteria. These are the thresholds our panel works to:

  • Filed accounts: At least 1 year's filed accounts.
  • Limited companies: Limited companies: minimum lend of £10,000. That figure excludes VAT and is measured after your deposit, so in practice the van needs to be around £12,000 or more.
  • Sole traders: Sole traders: minimum lend of £25,000. Again excluding VAT and after deposit, so realistically around £27,500 or more.

What lenders look at

  • The company: age, sector and Companies House status.
  • The director: often a personal guarantee and credit check.
  • The van: age, mileage and value. It’s the security.
  • The deal: deposit, term and whether it’s VAT-qualifying.

Why we can place harder cases

We’re a credit broker, not a single lender, so instead of forcing you into one product, we take your situation to a panel and find the fit. Thin files, used vans and prior declines are our normal, not a problem, provided you clear the criteria above.

How to improve your odds

  • Have a deposit ready if your file is thin, and remember the minimum lend is measured after it.
  • Be willing to give a director’s guarantee.
  • Pick a van with history and sensible mileage.
  • Give accurate details so we match the right lender first time.

We’ll Help You Every Step of the Way

Start the simple 3 step process to finance your van today.

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

Get My FREE Quote
  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 Financed

    Congratulations! Now you’ve been approved for financing, you can acquire the vans you need to grow.

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

FAQs

Straight answers to the questions we hear most, on eligibility, credit checks and how the process works.

Can a brand-new limited company get van finance?
Not through us, our panel needs at least one year of filed accounts. Once that first set is filed, a deposit or director’s guarantee helps the case along. Decisions are subject to status.
What is the minimum you can lend?
£10,000 for a limited company and £25,000 for a sole trader. Both figures exclude VAT and are measured after your deposit, so in practice the vehicle needs to be around £12,000 or £27,500 respectively.
Will checking affect my credit score?
We use a soft check to explore options, which doesn’t affect your credit score. A full application later may involve a hard check, we’ll always tell you first.
Do you guarantee approval?
No. No responsible broker can. All finance is subject to status and eligibility. What we can do is match you to the lenders most likely to say yes.

Still have questions?

Get in touch and a real person will come back to you.

Contact

Your situation

Helpful guides

Plain-English guides on van finance, VAT and tax, written for UK limited companies.

Ready when you are

Take the next step with a quick quote, a real comparison, or a calculator built for limited companies.

See what your company can finance

Tell us what you’re looking to finance and we’ll tell you what’s realistically possible across a panel of trusted UK lenders. One short enquiry, a soft check that won’t affect your credit score, no obligation. Subject to status.

Get FREE Quote
Get FREE Quote