New Limited Company Van Finance

Van finance for newly formed limited companies

At Van Finance Limited we arrange vehicle finance for UK limited companies. We are specialists in used van finance, and we place deals across a panel of trusted UK lenders. Newly formed companies, first-year businesses, established fleets. All treated as real cases with real answers.

We fund amounts from £10,000 to £500,000. New or used vans, single vehicles or a full fleet. This page is for newly formed limited companies, day-one to first-year. It covers what actually happens in that scenario, why the high street tends to say no, and how we go about placing the deal on your behalf.

Why “new company” gets a no elsewhere

Mainstream lenders lean on trading history and filed accounts. A new company hasn’t got them yet, so a computer says no, regardless of how solid the business is. Specialist lenders look instead at the director, the deposit and the van itself.

The high street isn’t wrong to be cautious. It just runs on volume and templates. When your file doesn’t tick the template box there is no time to work the deal out, and the request quietly disappears. That’s where a broker earns its keep. We know which lenders on our panel actually enjoy working with newly formed limited companies, and which do not. That saves you the tour.

What helps a new company get a yes

None of these are magic. They are the small things that quietly turn a decline into an offer, especially in the first twelve months of trading.

• A director’s personal guarantee.
• A deposit to share the risk.
• A van with good history and a sensible price.
• A clear picture of what the business does and earns.

How we place a day-one company

Every enquiry starts with a soft search that does not affect your credit score. From there we take the shape of the deal — the van, the amount, the deposit if any, and the director’s profile — and compare it against a panel of trusted UK lenders that actively welcome newly formed limited companies. It is not about pushing you through a single product. It is about matching your situation to the lender most likely to say yes.

Most day-one deals settle into hire purchase, which is simple to understand and gets you owning the van outright at the end. If cash flow matters more than eventual ownership, a finance lease can work well. And if the file is thin (which is normal in the first few months) a director’s personal guarantee is usually what carries the deal over the line.

A computer says no. A person asks better questions. What does the business actually do? Who is the director? What is the van worth? What is the deposit? Answer those honestly and there is almost always a route to a workable offer, or a very clear reason there is not.

What to have ready

You do not need a fat pack of paperwork to start. A short enquiry and honest answers give us enough to work with. For the full application, the list below moves things along quickly. If you are missing something on the day, do not stall the enquiry — we will tell you what can wait. Our documents guide has the full picture.

• Director ID and proof of address.
• Recent business bank statements if the account is open (three months if possible).
• A view of monthly turnover once trading, or expected turnover if pre-trading.
• The van you have in mind, including make, model, age and mileage. We can help source one if you have not picked yet.
• A rough idea of the deposit you can put down, if any. Zero is fine. So is £500. So is £5,000. It changes the shape of the deal, not whether we take it forward.

Honest about the risks

Not every new-company application gets placed. When affordability is tight, the file is very thin, or the deposit does not fit the deal, the honest answer is sometimes “not yet”. We would rather tell you that up front, and suggest what to change, than run you through paperwork for a no. All finance is subject to status and eligibility.

We are a credit broker, not a lender. We source funds from a panel of trusted UK lenders and take a fee if the deal completes. You are not paying us out of pocket for the enquiry itself, and you are under no obligation to accept anything we come back with.

Ready to see what’s realistically possible?

Tell us what you want to fund and a little about your company. We take one short enquiry to a panel of trusted UK lenders and come back with what is realistically possible for you. No hard sell, no full application to find out.

Amounts from £10,000 to £500,000. New & used vans, single vehicles through to fleets. Newly formed limited companies and previous declines are welcome. Decisions are subject to status.

There is no magic wand. There is just the right lender for the right deal, and the fastest way to find yours is to ask. Here is how the next few days look.