HGV & Trailer Finance
Flexible funding for trucks, trailers and commercial fleets
Running or growing a haulage, logistics or construction business often requires significant investment in heavy goods vehicles and trailers. At Avante Financial, we arrange HGV and trailer finance for UK businesses, helping you acquire, replace or expand your fleet without tying up valuable working capital.
Whether you’re purchasing a single vehicle or an entire fleet, we work with a wide panel of specialist lenders to secure competitive terms tailored to your business.
What we can finance
We provide funding solutions for a wide range of commercial vehicles and trailers, including:
Articulated lorries
Rigid HGVs
Tractor units
Curtainsiders
Flatbed trailers
Refrigerated (reefer) trailers
Tippers and bulk haulage vehicles
New and used vehicles
Dealer or private purchases
If it’s a road-going commercial vehicle or trailer, we can usually help.
HGV & Trailer finance options
We offer several finance structures depending on your business goals:
Hire Purchase
Own the vehicle outright at the end of the agreement, spreading the cost over fixed monthly payments.
Finance Lease
Lower monthly payments with flexibility at the end of the term, ideal for cashflow-focused businesses.
Operating Lease
Use the vehicle without ownership, often including maintenance options.
Refinance / Sale & Hire Back
Release capital from existing HGVs or trailers you already own while continuing to use them.
How HGV & trailer finance works
Initial discussion – We understand your business, vehicle requirements and budget
Lender sourcing – We approach suitable lenders from our panel
Indicative terms – Clear options with no jargon
Approval & documentation – Fast decisions, minimal disruption
Vehicle acquisition – Funds released so you can get on the road
Who this is suitable for
Haulage and logistics companies
Owner-drivers
Construction and infrastructure firms
Agricultural and bulk transport operators
Businesses expanding or replacing fleets
Start-ups and established operators
We work with limited companies, partnerships, sole traders and new businesses, subject to criteria.
Typical finance terms
Finance available on new and used vehicles
Terms typically from 12 to 72 months
VAT can often be funded (subject to lender approval)
Deposits may be low or sometimes not required
Flexible structures to suit cashflow
All finance is subject to status, affordability and lender criteria.
Why choose Avante Financial
Access to specialist commercial vehicle lenders
Solutions for complex or non-standard cases
Clear, straight-talking advice
Fast turnaround times
UK-wide service
We act as a commercial finance broker, not a lender, giving you access to a wide market rather than a single provider.
Frequently Asked Questions
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Yes. We regularly arrange finance for both new and used vehicles, including older assets, subject to lender criteria.
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Yes. Start-ups can be considered, particularly with relevant industry experience.
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Yes. Refinancing can release cash tied up in owned vehicles to support growth or improve cashflow.
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In many cases, VAT can be included, depending on the structure and lender.
Speak to a HGV & trailer finance specialist
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If you’re looking to fund a HGV, trailer or commercial fleet, speak to Avante Financial today. We’ll guide you through your options and secure a solution that works for your business.