A single working van
Asset Finance · UK limited companies
Van Finance for Businesses
Business van finance can support new or used vans acquired for genuine commercial use, subject to the vehicle, seller and business assessment.
NBS Finance is a broker and introducer, not a lender. An enquiry does not guarantee an offer.
Compare the van, the upfront cash and the end position
Start with a new or used van quotation, seller, exact specification, price and VAT basis. Add business use, annual mileage, payload and any racking, refrigeration, bodywork or conversion. Confirm whether the supplier and conversion costs are acceptable to the actual provider before committing.
| Structure | Compare before signing |
|---|---|
| Hire purchase | Contribution, VAT timing, instalments, final/option payment and conditions for eventual ownership. Legal title remains with the provider meanwhile. |
| Finance lease | Initial and ongoing rentals, applicable VAT, primary/secondary period and contractual sale or return arrangements. Do not assume automatic ownership. |
Hypothetical purchase components, not an offer: at a £30,000 price excluding applicable VAT, an assumed £6,000 contribution leaves £24,000 of price before finance charges. Upfront cash can also include VAT, fees, insurance and conversion costs. Compare the contribution plus all rentals/instalments, final payment and mandatory charges using the same VAT basis. A low monthly figure alone does not show the full commitment.
For a used van, check title, outstanding finance, condition, mileage and service history. Explain any existing quotation or proposed seller. Vehicle sourcing remains a separate request from finance; neither guarantees the other. See HP versus lease.
Have you found the van yet?
This page is for the commercial funding requirement. If you still need the vehicle itself, tell us your business van-sourcing requirement. National Auto Sales handles vehicle sourcing separately, and funding is optional.
For an identified van, prepare the quotation or vehicle details, price and deposit before using the funding enquiry.
Common uses
When this may be worth discussing
Specialist conversions where the funder accepts the build
Replacement or fleet additions
Prepare the enquiry
Information that helps produce a useful answer
Providers set their own rates, charges, fees, security and terms. Clear evidence helps distinguish a viable route from an unsuitable application.
- Registration, mileage and vehicle specification
- Dealer or private seller details
- Deposit, intended use and affordability
Important:
Vehicle finance does not replace insurance, licensing, roadworthiness or tax obligations.
Process
How the enquiry moves forward
Tell us the amount, purpose and timing.
Share the documents relevant to this route.
NBS clarifies the requirement and possible route.
A suitable provider completes its own checks and sets any offer terms.
Van-finance questions
Is no-deposit funding available to every business?
No. Contribution and VAT requirements depend on the provider, asset and business assessment. State the cash available without assuming a zero-deposit route.
Can a new company or used van be considered?
It depends on experience, work, credit, contribution and asset acceptability. Provide the actual vehicle and business evidence; approval is not automatic.
Can I use a quote I already have?
Yes, it can explain the requirement. Confirm seller, specification, VAT and any deposit already paid; the provider must still accept the transaction.
Can conversions be included?
Give separate vehicle and conversion specifications, supplier, cost and completion dates. Valuation, warranty and funding-stage conditions need confirmation.
Can I settle early?
Obtain the contractual settlement calculation and any charges; compare it with the remaining payments and end obligations.
Further reading and scope
This page is general commercial-finance information, not legal, tax or accounting advice. Read the relevant official guidance at www.gov.uk.
NBS Finance primarily supports UK limited companies. NBS Finance is not incorporated as a limited company and is not authorised or regulated by the Financial Conduct Authority. Where applicable, NBS works with lenders and intermediaries that are FCA-authorised for their own regulated activities; their status does not make NBS Finance FCA-authorised.
Tell us the outcome your business needs
Start with the amount, purpose and timing. Best estimates are fine.
Start your funding enquiry