WHO WE HELP
If you trade in your own name and need a van for the business, choose from current VFC stock and apply as a sole trader. We can then explore 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. Sole traders can apply for van finance. Lenders can assess your personal credit profile, trading history, income, affordability and the van you want to buy because the business and individual are closely connected.
The amount of supporting information depends on the lender and how long you have been trading. A newer sole trader may be assessed differently from someone with several years of trading history.
VANS AVAILABLE NOW
These are real vans currently available from Van Finance Company stock.
WHO THIS CAN SUIT
Sole traders often need the van to generate the income that supports the business. The finance journey should stay connected to that real vehicle requirement.
Independent trades using the van every day for tools, materials and customer jobs.
Drivers operating on their own account who need a reliable commercial vehicle.
Mobile cleaners, engineers, installers and other businesses working directly with customers.
Established one-person businesses moving into a newer or larger van as work increases.
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 your personal and trading details together with the vehicle. The lender may ask for additional income evidence depending on the application.
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.
SOLE TRADER APPLICATIONS
A sole trader is the business, so lenders often consider personal credit history and affordability alongside trading activity and income. How long you have traded and how clearly income can be evidenced can influence the available route.
VFC keeps the van connected to the application from the start. Choose the vehicle, apply once and we can assess suitable lender options from our selected panel.
Because you trade personally, the lender may assess both your individual profile and the business activity.
A longer history can provide more evidence, but newer sole traders can still apply.
The lender may request bank statements, accounts or other evidence depending on the application.
COMMON QUESTIONS
The exact product depends on the lender and vehicle, but the lender will usually consider you personally because a sole trader is not a separate legal company.
Yes. Newer sole traders can apply, although lender choice and supporting information may be more limited.
Not always. Requirements vary by lender and can depend on how long you have traded and the information available.
You can apply. Credit history is part of the assessment, but approval depends on the full application and lender criteria.
Yes. How the VAT is handled depends on the finance product and your circumstances.
Yes. Free UK delivery is available on VFC vans subject to completion and the normal delivery terms.
READY TO GET STARTED?
Browse current stock or complete the finance application if you've already found the van you want.