Commercial Vehicles

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    Commercial Vehicle Finance in the UK | Gable Asset Finance

    Introduction

    Every business that relies on vehicles—whether for transporting goods, passengers, or equipment—knows that acquiring commercial vehicles can be a significant expense. Purchasing outright often ties up valuable working capital that could otherwise be used for growth, staffing, or daily operations.

    That’s where Commercial Vehicle Finance comes in. At Gable Asset Finance, we make it easy for businesses to access the vehicles they need without large upfront costs. Through options like hire purchase, leasing, and asset finance, you can spread payments over time, maintain cash flow, and even benefit from potential tax savings.

    Whether you need a single van, a fleet of articulated lorries, or a customised vehicle body, we provide tailored finance solutions for businesses of all sizes.


    What is Commercial Vehicle Finance?

    Commercial vehicle finance allows businesses to acquire vehicles through structured repayment plans rather than paying in full upfront.

    Key Benefits

    • Preserve Working Capital – Keep your cash available for other essential expenses.
    • Predictable Monthly Costs – Fixed repayments make budgeting easier.
    • Access the Latest Vehicles – Upgrade to efficient, modern vehicles without delay.
    • Tax Advantages – Depending on the finance structure, repayments can often be tax-deductible.
    • Flexibility – Finance new, used, or customised vehicles.

    Types of Vehicles We Can Finance

    We are able to finance the vehicles your business needs, including:

    • Box vans
    • Curtainsiders
    • Fridges
    • Tippers
    • Cranes
    • Dropsiders & Flatbeds
    • Tractor Units
    • Chassis Cabs
    • Trailers
    • Vans
    • Semi-trucks (Articulated Lorries)
    • Specialised Vehicles
    • Buses & Coaches
    • Taxicabs

    We can even finance customised new bodies tailored to your exact requirements.


    Leading Vehicle Brands We Support

    We can arrange finance and leasing on most recognisable names in the industry, including:

    • DAF
    • Iveco
    • Isuzu
    • MAN
    • Mercedes
    • Scania
    • Volvo

    Whether you’re looking for reliability, efficiency, or heavy-duty performance, we can secure the right finance for your preferred manufacturer.


    Examples of Commercial Vehicles

    The European Union defines a “commercial motor vehicle” as any motorised road vehicle designed to transport more than nine persons (including the driver) or goods.

    Examples we finance include:

    • Trucks & Box Trucks (Straight Trucks)
    • Vans (small to large capacity)
    • Semi-trucks / Articulated Lorries
    • Coaches & Buses
    • Taxis & Minibuses
    • Specialist vehicles such as refrigerated trucks, cranes, or tippers

    Frequently Asked Questions (FAQ) – Commercial Vehicle Finance

    What is commercial vehicle finance?

    It’s a financing method that allows businesses to acquire vehicles without paying upfront in full. Instead, you make regular monthly payments through structures like hire purchase, leasing, or asset finance.


    What types of vehicles can I finance?

    Almost any type, including vans, trucks, buses, trailers, articulated lorries, and even custom-built vehicles designed for your specific business needs.


    Can I finance both new and used vehicles?

    Yes. We finance brand-new vehicles, nearly new options, and used vehicles, depending on your budget and requirements.


    Do I need a deposit to get started?

    Some finance options, like hire purchase, may require a deposit. Others, such as leasing, can start with little or no upfront cost.


    Why finance instead of buying outright?

    • Keeps cash flow healthy
    • Provides predictable, fixed repayments
    • Grants access to modern, efficient vehicles
    • May offer tax relief
    • Makes it easier to expand your fleet

    What repayment terms are available?

    Repayment terms are flexible and typically range from 12 months to 7 years, depending on your needs.


    Can I upgrade or replace vehicles during the term?

    Yes. With certain lease and asset finance agreements, you can upgrade your vehicles at the end of your term—or even during it—to ensure your fleet stays efficient.


    Are repayments tax-deductible?

    In many cases, yes. Lease payments are often treated as a business expense, while hire purchase may allow for capital allowances. (Always confirm with your accountant or tax advisor.)


    Do you finance single vehicles or only fleets?

    We work with all business sizes—from sole traders financing one van to large corporations managing entire fleets.


    How fast is the approval process?

    We know vehicles are critical to operations, so our approvals are often processed within 24–48 hours, provided we have the necessary information.


    What documents do I need?

    • Proof of ID and address
    • Recent bank statements or financial accounts
    • Business details (registration, VAT number if applicable)
    • Vehicle details or supplier quotes

    Why choose Gable Asset Finance?

    • Competitive Rates – Tailored to your business
    • Flexible Options – Hire purchase, leasing, and asset finance available
    • Fast Approvals – Get vehicles on the road quickly
    • Expert Support – Personalised advice every step of the way

     

    We can finance the vehicle you need for your business whether it be Box vans, Curtainsiders, Fridges, Tippers, Cranes, Dropsiders, Flatbeds, Tractor Units or Chassis cabs and can even finance customised new bodies tailored to customers exact requirements. We can arrange business finance and leasing on most recognisable names in the industry including :

    • DAF
    • Iveco
    • Isuzu
    • MAN,
    • Mercedes,
    • Scania
    • Volvo.

    A commercial vehicle is any type of motor vehicle used for transporting goods or paid passengers. The European Union defines “commercial motor vehicle” as any motorised road vehicle, that by its type of construction and equipment is designed for, and capable of transporting, whether for payment or not: (1) more than nine persons, including the driver; (2) goods and “standard fuel tanks”

    Examples of commercial vehicles we can finance

    • Truck
    • Boxvans
    • Chassis cabs
    • Cranes
    • Curtainsiders
    • Dropsiders / flats
    • Fridges
    • Specialised vehicles
    • Tippers
    • Tractor units
    • Trailers
    • Vans
    • Semi truck (articulated lorry)
    • Van
    • Coach
    • Bus
    • Taxicab
    • Trailers
    • Box truck (also known as a straight truck)

    Please fee free to call us today for a competitive finance quote or apply online