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Truck Finance: Spread the cost of your fleet

We deliver the finance - so you can deliver everything else


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Hire purchase

  • HP for up to 60 months
  • Undercut "0% finance" deals from dealers
  • No maximum funding
  • Suitable for all types of vehicle


  • Variety of leasing arrangements
  • Balloon payment options
  • Contract hire options
  • No capital requirements

Reduce costs

  • Refinance existing trucks
  • Avoid depreciation
  • Adverse Credit – no problem
  • Low rates – funding secured on vehicle assets

Talk to Rangewell – the business finance experts

The transport industry is highly competitive, and you must have the most cost effective solution for your truck fleet. We search the entire market to find lenders who can deliver the most appropriate business funding - so you can deliver everything else

The wrong finance could put your trucks - and your business - off the road.

Whether you run a transport business or the logistics arm of a larger operation, you know how quickly the costs of your vans and trucks add up. Staying in business means keeping all those costs under control.

You can start cutting those costs before you turn a wheel by getting the most competitive finance deal on your new vehicles.

Dealer finance could be the costly option

Truck and van dealers may offer a bewildering variety of finance plans. Some even offer 0% finance to help them close a deal, but they may hide the real costs.

The deals they offer may be designed to maximise their profits, and often mean that the purchase price is inflated to pay for the finance.

You could be better off asking for their best price for cash and paying for the truck with finance from a specialist lender. Your overall costs and monthly payments could both be reduced.

Asset Finance: spread the cost of your truck fleet

Asset Finance solutions let a lender finance your vehicle. You spread the costs and repay the lender while your vehicles are already working for your business.

Asset Finance solutions include:

Hire Purchase

Hire Purchase works exactly as it sounds. You ‘hire’ the vehicle until you’ve paid enough to ‘purchase’ it.

With hire purchase, you’ll normally have fixed monthly repayments so you can manage cashflow during the term. When you’ve finished making repayments, your business will own the vehicle.

Lease Finance

Leasing gives you flexibility. You can regularly upgrade your vehicles, and in some leasing arrangements, you have the option to own them at the end of the term, or simply give them back.

You can also decide whether you want maintenance and insurance to be included and whether you need the truck for its whole working life or a shorter, agreed period.

Contract Hire

Contract Hire is also used for trucks. Payments are calculated on the purchase value less the estimated value of the vehicle at the end of the agreement. This helps keep your monthly repayments down and makes it simple to switch to a new vehicle at the end of the agreement. It could be appropriate if a prestige vehicle is required.

Making existing payments easier

If an existing finance arrangement is causing problems, or if you want to redirect cash elsewhere in your business, we may be able to help find a refinance option. A lender will pay off what you owe under your original agreement and set up a new finance arrangement.

This can mean reduced repayments, spread out over a longer term. It could also allow you to release a substantial cash lump sum if you wished to refinance a large fleet.

Why you need Rangewell for Vehicle Finance

At Rangewell, we work across the entire lending industry and our finance experts have personal experience of a broad range of different business sectors.

Their expertise works for you. Our team knows the lenders who specialise in Vehicle Finance, and those who understand your business sector. It means that we can help you find the most competitive rates for all types of vehicle finance solutions.

We put this knowledge to work for you, finding the most competitive deals for every type of truck and business - from haulage services financing to ULEZ vehicle financing, and from a single van to a complete HGV fleet.


  • Find the most competitive funding to allow a new operator to set up

  • Help an established haulier use asset funding to equip for a major new contract

  • Source a lease arrangement to build a road haulage arm for a wholesaler operation

  • Find the most competitive finance for single van for a new business

  • Help an established operator to arrange a single lease to provide 49 new trucks for three regional depots

Call us to cut your costs

Coming to Rangewell means getting finance experts working to help you find you the most competitive funding for all your vehicle needs. That means cutting the costs of using trucks, vans and other commercial vehicles in your business.

Make sure you are getting the right funding solution for your trucks. Talk to our experts to discuss the details.

What real fleet operators have said ...

We needed five 7.5 tonners and a pair of artics - we found an asset finance solution that let us have them all with a single monthly payment.
We needed two new trucks. The dealers were happy to offer 0% finance but, with Rangewell's help, we found we could get a much better deal.
Rangewell helped me look at all the funding solutions available for our new trucks. I know I've got a great deal.

Discover your range of finance. Every type of finance for every type of business.

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Find Funding

Helping you build your profits

No upfront capital expenditure

The cost of your trucks can be spread over months, or years, depending on your budget and business plans.

Getting on the road without a deposit

You may not even need a deposit with some types of asset finance, and repayment can be spread over years to fit your monthly budget.

Low monthly payments

Lending is secured on the assets themselves, so interest costs and your monthly repayments can be reduced.

Scaled for your business operations

Whatever the scale of your fleet there is a probably an asset finance solution to fit it. Agreements can cover individual vehicles worth thousands of pounds or fleets costing hundreds of thousands.

Fixed payments

Payments are usually fixed, allowing simpler cash flow management.

Reducing risk

If your business hits problems and you can’t keep up the payments, the lender can recover their costs by taking the vehicle. No other assets are at risk.

Download Rangewell’s free and detailed guide to Funding Trucks

Rangewell Ebook - Download Rangewell’s free and detailed guide to Funding Trucks
  • What is Asset Finance - and how it gives you a business advantage

  • What are the types of Asset Finance - which do you need?

  • Why not all providers are equal - finding the one that’s right for you

  • How we can help you pay less than 0%

  • The  downsides to Asset Finance - and how to avoid them

  • How to arrange Asset Finance - what paperwork do you need?

  • Key terms explained

  • Download now

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Leases may count as debt

Most leased vehicles will affect your balance sheet but investors may view long-term lease as debt and adjust their valuation – other lenders may also reduce loan availability.

Could your fleet be at risk?

If you are unable to keep up repayments on a hire purchase or lease agreement the lender could repossess your trucks.

Long-term commitment

A lease may be a long-term commitment, and it may be difficult to renegotiate if your business needs change.

Our service is...


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.
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