Haulage/HGV Finance

Flexible finance solutions for trucks - built for the road ahead.

What Is Haulage & HGV Finance?

Haulage and HGV finance provides funding to purchase or lease heavy goods vehicles (HGVs), lorries, articulated trucks, trailers, and other commercial transport assets. Whether you’re a sole trader, fleet operator, or logistics company, the right finance solution helps you scale operations, improve efficiency, and preserve working capital.

At The Funding Group, we work with specialist lenders to offer tailored haulage finance – covering both new and used vehicles, including Euro 6-compliant HGVs and electric or hybrid trucks.

Types of Haulage & HGV Finance

We arrange a wide range of finance products for commercial transport businesses, including:

Hire Purchase (HP)

  • Spread the cost of an HGV over fixed monthly payments

  • Own the vehicle outright at the end of the term

Finance Lease

  • Use the HGV for an agreed period with fixed payments

  • Option to continue leasing or sell the vehicle at the end

Operating Lease

  • Pay to use the vehicle without taking ownership

  • Ideal for short- to medium-term fleet management

Contract Hire

  • Fully managed vehicle lease with maintenance included

  • Perfect for predictable budgeting and fleet upgrades

Refinance / Equity Release

  • Release cash tied up in owned HGVs or trailers

  • Improves cash flow and funds fleet expansion

Typical Terms & Key Features

  • Loan amounts: £10,000 to £10 million+

  • Terms: 1 to 7 years

  • Deposits: From 0% with strong credit profile

  • Assets funded: Tractor units, rigid trucks, curtain-siders, tipper trucks, tankers, trailers & more

  • New or used vehicles accepted

  • Balloon payments or structured repayments available

We match you with lenders that understand haulage businesses and offer fast approvals, competitive rates, and flexible underwriting.

Who Can Use HGV Finance?

Our haulage finance is ideal for:

  • Owner-drivers and sole traders

  • Logistics & transport companies

  • Freight forwarders and courier firms

  • Fleet operators expanding or upgrading vehicles

  • New start businesses with contracts in place

  • Companies with poor credit or complex circumstances

We can fund single units or entire fleets – with or without full trading history.

Benefits of Haulage & HGV Finance

  • Preserve cash flow while upgrading your fleet

  • Spread costs with fixed monthly payments

  • Flexible finance options to suit your business model

  • Tax-efficient solutions with potential VAT and capital allowances

  • Fast access to vehicles to meet contracts or new routes

  • Keep up to date with emissions regulations and safety standards

Investing in the right vehicles improves performance, fuel efficiency, and customer satisfaction.

Need Help Financing HGVs or Commercial Vehicles?

At The Funding Group, we specialise in helping UK transport and logistics businesses finance the vehicles they need to keep moving. Whether you’re buying your first truck or expanding a national fleet, we’ll find the right finance for your business.

Get in touch today for a no-obligation quote or to explore your options.