Van Fleet Finance Calculator

The UK van fleet finance market is one of the most active segments in commercial vehicle lending. With over 4 million light commercial vehicles on British roads, demand for competitive LCV hire purchase and finance lease is driven by e-commerce growth, last-mile delivery expansion, and the rapid electrification of van fleets. Specialist lenders including Black Horse Commercial, Shawbrook, Close Brothers, and Aldermore compete directly for LCV fleet business, keeping rates sharper than generic business loan markets.

Hire purchase remains the preferred structure for high-mileage delivery fleets that want to own their vans outright at the end of the term. Unlike contract hire, HP builds equity in the assets, has no mileage restrictions, and avoids excess mileage charges that can make leasing expensive for couriers, tradespeople, and distribution businesses. For a fleet of five or more vans, block HP facilities allow operators to add and replace vehicles without renegotiating a new agreement each time, significantly reducing administration.

Sorbus Finance works across 100+ lenders to source block fleet facilities for van operators at all stages, from a sole trader buying their second Transit to a logistics company replacing 50 vans at once. We assess your credit profile, fleet turnover, and mileage patterns before approaching lenders, ensuring proposals are presented in the strongest possible light. Our advisers also have access to specialist EV lenders for operators transitioning to electric vans such as the Ford E-Transit, Mercedes eSprinter, and Volkswagen e-Crafter.