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Vehicle Finance: Cutting the cost of getting your business going places

Spread the cost of your vehicles - from a single van to an international HGV fleet


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Current Terms Available

Cutting capital requirements

  • Buy and spread the cost
  • 1 to 60 months
  • Lease with no capital expenditure
  • Low monthly rates from 6%

Range of deals

  • Hire Purchase - lease
  • Contract Hire
  • Avoid the cost of depreciation
  • Adverse Credit – no problem


  • Funds for any type of vehicle
  • Single vehicle - or entire fleet
  • Undercut dealer finance deals
  • Deals tailored to cashflow

Talk to Rangewell – the business finance experts

We know your vehicles are key to your business. We search the entire market to find the most competitive deals to help you pay less for every vehicie you need.

Whether it is professional transport for your sales team, hard-working vans and HGVs or specialist construction equipment, bulldozers, and mobile cranes, your business depends on its vehicles.

It means that your fleet is a major investment. You need to minimise the cost of financing it.

Dealer finance could be the costly option

Vehicle dealers can offer 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 for your fleet

Asset Finance solutions let a lender finance your vehicle, and can let you choose how you repay them to suit the needs of your business – not the dealer’s. You pay the lender and spread the cost over the term of the agreement while your vehicles are already earning money for your business.

Asset Finance solutions include:

Hire Purchase

Hire Purchase works just 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 cash flow during the term. When you’ve finished making repayments, your business will own the vehicle.

HP can run up to 60 months.

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 your vehicles for their whole working life or a shorter, agreed period.

Leasing can allow you to update your vehicles regularly which can be important for prestige and reliability

Contract Hire

Contract Hire is a special kind of leasing arrangement. 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.

Contract Hire could be appropriate if a prestige vehicle is required.

Cutting existing payments

If you have an existing finance arrangement and want to reduce costs or free up cash, 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 with lower monthly costs.

Refinance could help 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 market. 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 the equipment you need, from a single van to a complete HGV fleet


  • Find the most competitive funding for a nationwide sales and service fleet

  • Help an established courier re-equip with electric delivery vans

  • Source a lease arrangement for a pair of limousines for a luxury hotel

  • 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 - from Truck Finance to ULEZ vehicle finance - and all your other finance options.

That means cutting the costs of running your business while ensuring you can work with the vehicles you really need. Talk to our experts to discuss the details. 

What business vehicles operators says about finance...

We needed executive cars, service vans, 7.5 tonners - we found an asset finance solution that let us have them all in a matter of weeks.
We looked at all the asset funding solutions available for our fleet. Asset finance was the most cost-effective.
We needed a van. The dealers were happy to offer finance but we found we could get a much better 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 fleet can be spread over months or years, with no upfront cash sum to find.

Versatile funding - for any kind of vehicle

There are finance solutions for any kind of business transport from prestige executive cars to vans, mobile workshops, trucks and construction and specialist vehicles.

Low monthly payments

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

Scaled for your business

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

Fixed payments

Payments are usually fixed, allowing simpler cash flow management.

Reduced risk to your business

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

Download Rangewell’s free and detailed guide to Asset Finance

Rangewell Ebook -  Download Rangewell’s free and detailed guide to Asset Finance
  • What is asset finance

  • What are the types of asset finance

  • How to find the right provider

  • Are there downsides to asset finance?

  • How to arrange asset finance

  • What paperwork do you need?

  • Key terms explained

  • Why is it not a good idea to use personal loans for business use?

  • Can I get a business car on finance?

  • What finance options are there for SMEs buying a car or van for business purposes?

  • What do the monthly payments cover?

  •  Is personal contract purchase an option with buying a car for my business?

  •  What monthly repayments can I expect with business finance for commercial vehicles?

  • Is it useful to compare car finance quotes and finance deals when you want to apply for car finance or is it better to get a finance quote then approach dealers?

  •  Are all lenders authorised and regulated by the Financial Conduct Authority?

  • Is business finance always subject to status?

  • What are finance calculators?

  • Do lenders have to have a cookie policy? 

  • What are typical interest rates for Vehicle Finance?

  • Does my registered office need to be within the UK? 

  • Will possessing business credit cards negatively affect my credit score?

  • Is vehicle finance the same as a car loan or personal contract purchase?

  • Will lenders look at my credit history? 

  • Will the finance company require the car registration number?

  • The details of a Vehicle Finance agreement, including final payment, subject to status, total cost, the difference between a lender and a credit broker`bank account, car finance options, credit search, and more

  • Do my individual curcumstances play a part in a lender's decision to loan me the capital to buy a car or van for my business? 

  • `Will I pay more in the long run?

  • Download this free resource all about financing your business vehicles

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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.

Your fleet could be at risk if business hits problems

If you are unable to keep up repayments on a hire purchase or lease agreement, your fleet – a key business asset - could be at risk.

Long term commitment

It may not be practical to pull out of a lease arrangement once set up. This could be a problem 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.

Frequently asked questions

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