For hauliers, couriers and logistics firms
Transport and Logistics Finance
Transport and logistics finance helps hauliers, couriers and freight firms replace vehicles, grow fleets and cover fuel and wages while customers take 30 to 90 days to pay.
Funding Plus compares vehicle finance, invoice finance and working capital lenders that understand transport businesses.
- HGV, van and trailer finance
- Funding while customers pay on long terms
- Fleet finance for growing operators
Reviewed by the Funding Plus team · Last updated October 2026
Step 1 of 3 · Transport and Logistics finance
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Cash Flow Challenges in Transport and Logistics
Transport firms pay fuel, drivers and maintenance every week but often wait months for customers to pay.
Long payment terms
Large customers often pay on 60 to 90-day terms.
Fleet costs
Vehicles need replacing on a cycle, and new HGVs are expensive.
Fuel price swings
Fuel is one of the largest costs and can rise quickly.
Breakdowns
A vehicle off the road costs money every day it isn't working.
The Best Funding Options for Transport and Logistics Businesses
Vehicle finance
Hire purchase or contract hire for HGVs, vans and trailers, new or used.
Invoice finance
Release cash from delivered jobs while customers take time to pay.
Business line of credit
Cover fuel, repairs and wages between customer payments.
Asset refinance
Release cash from vehicles you already own.
Example
A haulier adding three trucks for a new contract
A regional haulier wins a contract that needs three more tractor units. It finances them over five years on hire purchase and uses invoice finance so the new customer's 60-day payment terms don't hold up fuel and driver wages.
Illustrative example, not a real customer or a quote.
What Lenders Look For
- Contracts and customer base
- Fleet age, condition and maintenance records
- O-licence and compliance history
- Fuel and driver costs against rates charged
- Customer payment terms and credit quality
Transport and Logistics Finance FAQs
Can I finance used HGVs?
Yes. Many lenders finance used HGVs and trailers, usually up to a set age at the end of the term.
Do I need an O-licence?
If you operate goods vehicles over 3.5 tonnes for hire or reward, yes. Lenders will ask about it.
What helps with long payment terms?
Invoice finance releases cash from completed jobs, so you're not waiting 60 to 90 days.
Can I finance a whole fleet?
Yes. Fleet finance puts several vehicles under one agreement.
Other Industries We Help
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