WHO WE HELP
A young business can still need a proper working van from day one. Choose from current VFC stock and complete one application so we can assess suitable finance routes from our selected lender panel.
Finance is subject to status, affordability and lender criteria. Van Finance Company is a credit broker, not a lender.
YOUR QUESTION, ANSWERED
Yes, a new or recently started business can apply for van finance. The available route depends on the business structure, trading history, directors or owners, affordability, credit profile and the lender’s own criteria.
New businesses often have less trading history to show, so a lender may ask for additional information about the people behind the business, projected use of the van or the affordability of the proposed payments.
VANS AVAILABLE NOW
These are real vans currently available from Van Finance Company stock.
WHO THIS CAN SUIT
A new business may not have years of accounts behind it, but it can still have a genuine need for a van and a clear route to affordability.
New businesses that need their first commercial vehicle to begin trading properly.
Recently established builders, electricians, plumbers and other trades moving into their first van.
Limited companies with a shorter trading history than traditional business finance applications.
Newer businesses adding capacity because the workload has grown faster than the current vehicle setup.
HOW IT WORKS
Choose the van you want and keep the vehicle and finance journey together from the start.
Browse current VFC stock and pick the vehicle that suits your work and budget.
Complete one finance application with your chosen vehicle already connected to it.
We review the application and explore suitable routes from our selected lender panel.
Once the purchase is completed, your van is prepared and delivery can be arranged.
WHAT YOU MAY NEED
Start with the people behind the business, the trading details and the van you want. The lender may ask for extra information because the business has a shorter track record.
Exact information and supporting documents vary by lender and individual circumstances.
MORE THAN JUST FINANCE
We sell the vehicle and arrange the finance as part of the same purchase journey.
Every vehicle is HPI checked before sale.
Nationwide delivery is included with your van.
6 month / 6,000 mile warranty included.
1 year AA breakdown cover included.
Vehicle preparation includes a service and PDI.
A new MOT is included before handover.
NEW BUSINESS APPLICATIONS
A newer business has less historical information than an established company, so lenders may place more weight on the owners or directors, current trading activity, affordability and the purpose of the vehicle. Some lenders can consider younger businesses, while others require a longer trading history.
Choosing the van first gives the application a clear purpose and amount. VFC can then review the information provided and explore suitable routes from our selected panel rather than treating the finance as a separate abstract enquiry.
How recently the business started can affect which lenders and finance products are available.
Directors, owners or sole traders may be important to the assessment when the business itself is young.
The lender may consider how the van will be used and whether the proposed payments are affordable.
COMMON QUESTIONS
It can apply. Some lenders consider younger businesses, while others require a longer trading history. The route depends on the full application.
Yes. A newly self-employed sole trader can apply, although the lender may request additional evidence about income or affordability.
For a new limited company, lenders may assess the directors or people behind the business and may request additional guarantees or information depending on the product.
Not every route requires a long set of filed accounts. Requirements vary, and newer businesses may be assessed using different supporting information.
Yes. The page is designed specifically around businesses buying their first or an early commercial vehicle.
Eligible VFC deals can start from £99 deposit, but the required contribution depends on the lender, vehicle and application.
Yes. Free UK delivery is available on VFC vans subject to completion and our normal delivery terms.
READY TO GET STARTED?
Browse current stock or complete the finance application if you've already found the van you want.