Last updated: 14 Sep 2026

Vehicle finance for your business

Vehicle finance spreads the cost of a car, van, fleet or other business vehicle across fixed monthly payments, instead of paying the full price upfront.

Capitalise makes getting vehicle finance easy, you can check your budget, compare deals and apply to multiple lenders in just a few clicks, with a dedicated funding specialist supporting you through to completion.

TRUSTED BY 200,000+ UK BUSINESSES

  • £2bn+ in funding approved through our platform

  • Access to vehicle finance lenders through our panel of 130+ UK lenders

  • Regulated by the FCA since 2016

  • Rated Excellent on TrustPilot

Why get vehicle finance with Capitalise?

  • Improve cash flow by spreading the cost into manageable monthly repayments

  • Upgrade to newer, more efficient vehicles that support day-to-day operations

  • Benefit from tax advantages when financing through your business

  • Get matched to lenders based on your business credit profile for better fit options

  • Receive dedicated support from our finance specialists to find the best deal

What types of vehicle can you finance?

  • Cars

    Help your team travel confidently with reliable, comfortable vehicles that support everyday business journeys.

  • Vans

    Increase your efficiency with practical, durable transport that’s built for trades, deliveries and busy daily workloads.

  • Fleets

    Keep your whole team moving with a consistent set of vehicles that scale with your operations and support long term growth.

  • Electric vehicles

    Lower your running costs and reduce your environmental impact while benefiting from potential tax advantages.

  • Heavy vehicles

    Strengthen your operations with tractors, lorries and other heavy vehicles designed for construction, logistics or agricultural work.

How much can you borrow with vehicle finance?

How much you can borrow, and over what term, depends on the vehicle and your business's circumstances.

Amount you can borrow

£1,000 to £2 million

Repayment term

3 months to 10 years, though most car and van agreements run for 1 to 5 years

Typical rate

From 7%+

Deposit

Usually 10% to 20% of the vehicle's price, though some lenders will fund the full amount

Your actual rate depends on the vehicle, your deposit, the term and your business's credit profile, so treat this as a guide rather than a quote. Use our asset finance calculator to see what your monthly repayments could look like before you apply.

What are the different types of vehicle finance?

  • Hire purchase (HP)

    Your business pays an initial deposit followed by monthly instalments over an agreed term. Once all payments are made, your business owns the vehicle.

    Learn more about hire purchase

  • Finance lease

    Your business rents the vehicle for an agreed period. When the lease ends, you can return it, extend the lease or buy the vehicle for a set price.

    Learn more about finance leasing

  • Operating lease

    Your business rents the vehicle for a fixed term. You typically have the option to return the vehicle at the end of the lease without any further obligations.

    Learn more about operating leases

  • Contract hire

    Your business leases the vehicle for an agreed time and mileage, paying a set monthly fee. When the contract ends, you return the vehicle, so you don’t need to worry about depreciation or selling it on.

    Learn more about contract hire

What do you need to qualify for vehicle finance?

Most lenders on the Capitalise panel base a decision on your business and the vehicle together, so qualifying usually comes down to a mix of the following.

  • Being an actively trading UK business

  • A business credit score that shows your business manages its existing obligations well, though some lenders weigh this less heavily since the vehicle itself secures the agreement

  • Evidence your business can comfortably afford the monthly repayments

  • A vehicle that falls within the lender's own criteria for age, condition and value

How do I apply for vehicle finance?

  • Green circle with a white number "1" in the center.

    Search for your vehicle

    Enter the registration, or tell us the make and model, and we'll show you an instant cost estimate.

  • Green circle with white number "2" in the center.

    Get matched with vehicle finance lenders

    We match you with the lenders on our panel best suited to your business and the vehicle you've chosen.

  • Green circle with the white number 3 in the center.

    Apply in minutes

    Complete your application and send it to your selected lenders, with support from a dedicated funding specialist at every step.

  • White number 4 on a solid green oval background.

    Get funded

    Once approved, you'll receive the funds and can go ahead with the vehicle your business needs.

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Apply for vehicle finance today

Check your budget, compare tailored offers and get your business on the road faster.

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