Minibus Finance for Taxi Companies

Unlock Funding for the Vehicles That Drive Your Business

Running a taxi business with minibuses? Then you already know how vital your fleet is. But expanding or replacing those vehicles isn’t cheap — and finding funding can feel like a full-time job.

At First Oak Capital, we take that pressure off your shoulders. We secure finance for UK-based taxi companies fast — and we make sure your application is lender-ready from the start.

We don’t just search the market. We work through your paperwork, highlight your strengths, and deal directly with lenders. That way, you get finance that works — even if your business is new or has hit a few bumps.

Call us or complete the form on our website to get a quote today. Or if you want to learn more check out our minibus finance page.

Why Taxi Companies Need Minibus Finance

Minibuses can mean more profit — larger bookings, group travel, and accessible transport contracts. But they also mean higher upfront costs.

And when cashflow is tight, tying up thousands in one vehicle can leave you short elsewhere. That’s where finance helps. It lets you:

• Pay in manageable monthly instalments
• Reserve working capital for wages, fuel, and repairs
• Expand your fleet when demand spikes
• Replace unreliable vehicles without draining your funds

The right finance makes growth possible — without the financial strain.

Finance Options for Taxi Firms Running Minibuses

We work with taxi companies of all sizes — whether you’re a single operator or a growing business with a team. And we know not all finance fits every situation.

Here are the main types of minibus finance available:

1. Hire Purchase

Own the minibus at the end of the term. Pay a deposit, then fixed monthly payments. It’s ideal for long-term vehicle use.

2. Finance Lease

Lease the minibus over a fixed term. You can extend the lease or return the vehicle at the end. Great for keeping payments lower and options open.

3. Operating Lease

Use the vehicle short-term, often with maintenance included. No need to worry about depreciation. Suits seasonal needs or short-term contracts.

4. Refinancing Existing Vehicles

Already own a few minibuses? We can unlock the value tied up in them and turn it into working capital you can use elsewhere.

We can also help with:

• VAT and Corporation Tax Loans
• Revolving credit for cashflow gaps

Why Taxi Businesses Choose First Oak Capital

Taxi companies need finance that’s quick, flexible, and realistic. That’s what we deliver.

Unlike banks, we don’t judge your business on a computer-generated score. We look at what you do, how you operate, and what you need. Then we match you with lenders who get your business.

We work best with taxi operators because:

• We’re fast. Decisions and quotes often within 48 hours.
• We do the heavy lifting. No chasing paperwork or confusing terms.
• We handle the full application. Lenders prefer complete, clear info — we make sure they get it.
• We know which lenders are taxi-friendly. Some banks avoid taxi operators. We know who doesn’t.

You get support from start to finish. No call centres. Just people who know how to get funding approved.

Want the Best Rates?

Here’s the truth: the better your application looks, the better the offer.

We make sure yours stands out by:

• Clarifying your cashflow position
• Highlighting your business strengths
• Packaging everything the lender needs in one go

And because we work with multiple lenders, we can compare offers and steer you toward the most competitive rate.

Don’t guess. Don’t go straight to your bank. Let us prepare it properly.

What You’ll Need to Apply

You don’t need piles of paperwork to get started. Usually, we just need:

• A few months of bank statements
• Vehicle details
• Your latest accounts (or turnover estimates if you’re new)
• A call to discuss what you’re looking to achieve

Even if you’re a new operator with no full-year trading history — don’t count yourself out. We help start-ups and growing firms every day. The Road Safety Foundation shares data and resources that can help taxi companies operating minibuses understand risk and improve safety on UK roads — read more here.

Why Work With First Oak Capital?

We’re not a faceless call centre, and we don’t hide behind automated replies. We’re a team of experienced finance professionals who genuinely want to help UK businesses move forward — whether you’re launching or looking to expand.

Here’s what sets us apart:

• We understand the day-to-day challenges business owners face

• We talk straight — no technical jargon or empty buzzwords

• We act quickly when the clock is ticking

• We give honest, practical advice backed by experience — not a script

And if a lender turns you down, that’s not the end of the road.

We’ll explain why — and more importantly, what your next move should be. In many cases, there’s a better lender or different product that can still work for you.

We’re professional, reliable, and on your side — always.

You concentrate on running your business. We’ll sort out the finance.

Ready to borrow smarter?

Click here to apply now or speak to one of our friendly brokers today.