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Commercial Vehicle Finance for Your Business

Charles & Dean offers tailored funding solutions for everything from a single commercial vehicle to full fleet replacements. With pre-approved credit lines, we remove cost uncertainty, letting you focus on growing your business while we handle the finance. Explore flexible, competitive options to keep your operations running smoothly.

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"We've achieved sustainable year-on-year growth with Charles & Dean’s support."

Steven

L4 Civil Engineering

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The Charles & Dean Difference

Overcoming Industry Challenges with Confidence

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Boost
Purchasing Power

Strengthen your business’s ability to purchase materials in bulk, secure lower prices, and ensure a steady supply of essential goods, empowering you to stay competitive.

Flexible Financing for
Equipment & Machinery

Acquire the tools, vehicles, and machinery for your construction projects without large upfront costs. Our flexible financing options help maintain your cash flow.

Support for
Construction Projects

We understand the financial challenges of construction projects, from securing funds to managing cash flow during delays. Whether covering costs or handling late invoices, our bespoke financing solutions keep your projects on track.

Debt Management &
Refinancing

Unlock the value of your construction equipment through refinancing, providing essential funds for growth, reinvestment, and improved cash flow, while easing financial pressure

Commercial Vehicle Finance Options

Hire Purchase

A popular option for owning commercial vehicles, this plan allows you to spread the cost over time and own the vehicle at the end. You can benefit from any equity when selling or part-exchanging, making it ideal for businesses seeking long-term value.

Finance Lease

Flexible fleet management without ownership, offering lower initial rentals and flexible end-of-term options. Ideal for cash flow management, it keeps assets off your balance sheet while ensuring access to essential vehicles.

Commercial Vehicle Finance at Charles & Dean: 4 Simple Steps

Consult with a Finance Specialist

Forget generic finance calculators – speak with a specialist who truly understands your business. We consult with you to understand your goals and provide tailored funding solutions that align with your unique objectives.

Find the Right Supplier

We’ll connect you with trusted suppliers, ensuring you partner with the right one to meet your specific needs. This streamlines the purchasing process and helps you secure the ideal commercial vehicle for your business.

Receive a Solution

After our consultation, we'll offer a tailored finance solution of up to £50 million for your asset(s), with flexible options like hire purchase, leasing, or balloon payments. Our streamlined process ensures a fast, efficient experience and the best deal for your business.

Get Your Funding

Our Sales and Operations teams ensure a smooth experience from proposal to payout, keeping you informed with regular updates and clear communication. By working closely with you, suppliers, and funders, we make the process seamless and stress-free.

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Tailored Loan Solutions

We understand that every business is unique. Our brokers work with you to craft a financing plan that suits your operational needs.

Market Expertise

With access to a broad panel of lenders and in-depth market knowledge, we secure competitive rates and terms that align with your financial objectives.

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Simplified Process

Our team streamlines the finance journey, offering specialist guidance and minimising hassle so you can focus on growing your business.

FAQs

Your questions about Construction finance answered

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What commercial vehicles can you finance?

We finance a wide range of vehicles, including vans, lorries, buses, coaches, road sweepers, tractors, and other specialist equipment. Whether it’s a single vehicle or an entire fleet, we tailor finance solutions to suit your business needs.

Should I buy or lease a van for my business?

Leasing offers lower upfront costs, flexible terms, and included maintenance, ideal for predictable monthly payments. Buying gives you full ownership and freedom to customise but involves higher initial costs. Speak to our Finance Specialists to find the best option for your business.

What do I need to qualify?

To qualify for finance, you typically need:

A UK driving licence
Proof of income and address
A good credit history
VAT registration (in most cases)

We assess applications individually to find a solution that works for you.

What is the minimum balance to finance a commercial vehicle?

The minimum balance to finance most commercial vehicles with Charles & Dean is £10,000. If you’re unsure, our team can help assess your specific requirements.

What happens at the end of my lease?

At the end of a lease, you can:

Upgrade to a new vehicle
Purchase the vehicle at its market value
Return it with no further obligations (subject to terms).

Do I need to pay the VAT upfront?

No, upfront VAT payments aren’t always necessary. We offer options such as VAT deferrals, VAT spreads, or even finance leases to help you manage costs effectively.

What is the longest finance term available?

Typically, our longest finance term is 5 years. However, for certain commercial vehicles, we can extend the term to up to 7 years. Speak to our experts to explore the best option for your needs.

Can I include a balloon payment in my finance agreement?

Yes, balloon payments are available. The amount will depend on factors such as the vehicle’s current age, mileage, and future usage. We’ll work with you to structure a payment plan that suits your business.

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