Van Finance - Charles and Dean

Van Finance Solutions

Business Finace Listing - Deal Spotlight - Van

Hire Purchase

Hire Purchase offers a flexible path to owning commercial vehicles with fixed monthly payments and flexible terms.

Finance Lease

A Finance Lease is a long-term lease in which instead of buying the asset upfront, you pay ‘rentals’ over a flexible rental period.

Refinance & Equity Release

Our Asset Refinancing and Equity Release solutions unlock the value of your commercial vehicles.

The team at Charles & Dean have excelled throughout this process - from the first phone call they have been diligent, proactive and motivated to support the Ocado retail.

They listened to our requirements and built a product with a funder tailored to our specific needs. The support through the process and quality of communication and persistence to the end has been brilliant.

It's been refreshing to work with a business who have the same growth mindset and delivery focus as we have.

Matt Ankers

CFO Ocado

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There’s a lot of synergies between Dack and Charles & Dean…it feels like they are an extension of our business really…we see it as a true partnership. We’ve been really impressed with the speed of service to our customers as finance is a bolt on service - we’ve been really impressed with how reactive Joe and the rest of the team are…it’s incredible.

Lee Shear

Sales Director, Dack Vans

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Van Finance: 3 Simple Steps

Understanding Your Business’ Goals & Challenges

Skip generic loan offers and talk to a specialist who understands your industry's needs.

Consultative Finance Solutions to Drive Your Business Forward

Whether for single van or fleet, our streamlined application process minimises hassle.

Smooth, Hassle-Free Funding for Your Business Needs

We work with you, your suppliers, and funders to ensure everything runs smoothly, letting you use your finance immediately.

Fund Your Business Growth Get in Touch

FAQs

Your questions about Asset Finance answered

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What types of vans can I finance through Charles and Dean?

You can finance a wide range of vans, from single units to entire fleets. Whether you need small delivery vans or larger light goods vehicles, our finance solutions are tailored to meet your specific business needs.

What are the benefits of choosing Charles & Dean over traditional banks or dealerships?

Charles & Dean offers greater flexibility, cash flow-friendly terms, and personalised service compared to traditional banks and dealerships. We specialise in vehicle finance and understand the unique needs of businesses, providing more adaptable and tailored solutions.

What types of van finance options do Charles & Dean offer?

At Charles & Dean, we offer a range of flexible van finance solutions tailored to meet your business needs. Here’s a breakdown of the options available:

Business Hire Purchase: This option allows you to spread the cost of your van over an agreed period. Once all payments are completed, you own the van outright. It’s a great choice if you plan to keep the van long-term and prefer to eventually own the asset.
Finance Lease: With a Finance Lease, you can use the van for your business while making regular lease payments. At the end of the lease term, you have the option to purchase the van, renew the lease, or sell the van and retain any proceeds. This is suitable if you prefer to avoid ownership but want the option to buy at the end.

Are there tax advantages to financing vans through Charles & Dean?

Yes, our expertise in Capital Allowance could help you potentially save up to 25% on new van costs, depending on your business’s tax rate. We can also help you take advantage of VAT deferrals, allowing you to delay VAT payments to support cash flow. We can provide detailed guidance on how to maximise these benefits.

How long does it take to get approved for van finance?

Approval times can vary based on the complexity of your application and the specifics of your finance needs. However, we strive to process applications quickly and efficiently, often providing a decision within a few business days.

Can I get finance for both new and used vans?

Yes, we offer finance solutions for both new and used vans.

Can I refinance existing assets to free up cash flow?

Yes, you can. Refinancing existing assets is a smart strategy to unlock the equity tied up in your vehicles, equipment, or machinery, providing you with much-needed cash flow. By refinancing, you can renegotiate the terms of your existing finance arrangement, potentially lowering your monthly payments or accessing additional capital to fuel your business growth.

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