Fleet finance for your business

Looking to fund your fleet? Whether you need to finance a fleet of cars, vans, trucks, or electric vehicles, with fleet finance, you can spread the cost and stay on the road, without draining your working capital.

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CAPITALISE IS TRUSTED BY 100K+ UK BUSINESSES

  • £2bn in funding offers approved

  • 100+ business lenders

  • Regulated by the FCA

  • Rated Excellent on TrustPilot

What is fleet finance?

Fleet finance enables businesses to acquire the vehicles they need without paying the full cost upfront. Instead of buying outright, you spread the cost over time through leasing or other finance options. This gives you access to newer, more reliable vehicles while keeping your cash flow steady.

We make fleet finance simple, transparent, and tailored to your business.

Why choose fleet finance with Capitalise?

  • Compare offers from 100+ lenders

    With access to over 100 trusted lenders, you can explore a wide range of finance options, all from a single application. With the ability to compare all your offers in one place, you’ll save time, avoid repetitive paperwork, and find the right option faster.

  • Expert support, every step of the way

    When you apply, you’ll receive support from a dedicated funding specialist who understands the entire market. They’ll guide you through your options, explain everything in plain English, and help you choose the best path for your business.

  • A trusted, transparent partner

    Capitalise is FCA regulated and we will always disclose any commission and terms. This means you’ll have clear, transparent information to make fully informed decisions. No surprises, just support from our experts.

  • Fast-track your application

    Thanks to our partnership with Plaid, you can securely connect your bank account to your application. This enables lenders to assess your application more easily. That means quicker decisions and faster access to funding.

What types of fleet finance are there?

Every business has different needs. With a range of options available to finance your fleet, depending on size, industry and ownership preferences. With access to 100+ lenders, you can explore all types of fleet finance. Here’s a breakdown of what’s available:

Type of fleet finance

How it works

Hire purchase

Pay an initial instalment, followed by monthly payments. At the end of the agreement, you’ll own the fleet of vehicles. 

Contract hire

Lease the fleet of vehicles, usually for a long period of time. At the end of the term you return it. There’s no ownership at the end, resulting in lower monthly costs.

Operating lease

You’ll pay monthly payments to rent the vehicle, usually for a short period of time. You’ll use the fleet without owning it. Great for short term or changing needs.

Finance lease

Rent the fleet for an agreed upon period, making monthly payments. At the end, you’ll have the option to extend the lease or purchase the fleet. 

Fleet asset finance

The fleet of vehicles will be used as collateral for the loan. You’ll make monthly payments and at the end of the term, you’ll own the fleet.

What are the benefits of fleet financing?

  • Preserve your cash flow

    With fleet finance, avoid large upfront costs, allowing you to spread payments over time. This means you can invest your working capital into other key areas of your business, like hiring, marketing, or equipment.

  • Drive the latest vehicles

    Keep your fleet modern, reliable, and efficient. With flexible finance options, you can upgrade your fleet of vehicles regularly, optimising for fuel cost and nurturing a professional image for your business.

  • Enjoy tax advantages

    Depending on the finance agreement, leasing costs may be tax-deductible as a business expense. This can reduce your overall tax bill and improve your company’s financial efficiency.

  • Support your sustainability goals with EVs

    Fleet finance makes it easier to switch to electric and low-emission vehicles. Whether you're aiming to reduce your carbon footprint or meet environmental targets, EV fleet finance gives you an affordable way to modernise your fleet.

Upgrade to an electric fleet

Looking to build a greener business? EV fleet finance helps you invest in electric and low-emission vehicles. It’s better for the planet and your cash flow. With lower fuel costs, lower emissions, and potential tax incentives make it a smart choice.

How fleet financing works with Capitalise

Getting fleet finance through Capitalise is quick, simple, and fully supported. Here’s how it works, step by step:

  1. Log in and tell us what you need
    Enter the registration details of the vehicle you want to finance. 

  2. Get a clear picture of your options
    We’ll show you an estimated vehicle value, potential borrowing amounts, and likely interest rates, so you know what to expect upfront.

  3. Start your application
    When you're ready, submit your application. One of our dedicated funding specialists will get in touch to walk you through your options, explain any deposit requirements, and recommend the most suitable lenders.

  4. Send your application to multiple lenders
    Your funding specialist will package your application and send it to multiple lenders, helping you to compare your options. 

  5. Get funded and grow your fleet
    Once approved, you’ll receive the funds you need to purchase or lease your fleet, keeping your business moving forward.

Finance your fleet – apply now

Get started today. Apply in minutes and get expert support throughout the process.

Frequently asked questions