Refrigerated Van Finance – Fast, Flexible, and Built for Your Business
Need refrigerated van finance? You’ve just found the team that makes it quick, simple, and stress-free.
At First Oak Capital, we help business owners across the UK get the vehicles they need to keep goods fresh and operations moving. Whether you’re in food delivery, catering, pharmaceuticals, or floral supply, a refrigerated van (also known as a chiller van or fridge van) is essential — and we’re here to help you finance it without the usual headaches.
We offer fast approvals, friendly service, and a process designed for busy people who just want to get on with the job.
Why Finance a Refrigerated Van with First Oak Capital?
Because we understand your business depends on staying cool — literally.
Whether you’re transporting food, temperature-sensitive goods, or perishable stock, a fridge van isn’t a luxury — it’s your livelihood. That’s why we move fast to get you on the road with finance that fits.
Here’s what you can expect with us:
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✅ Access to a wide range of specialist UK lenders
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✅ Finance for new and used refrigerated vans
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✅ Options for start-ups and new limited companies
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✅ Flexible terms including hire purchase, finance lease, and refinance
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✅ A dedicated finance expert from day one
We make the process easy, the communication clear, and the experience refreshingly human.
What Is Refrigerated Van Finance?
Refrigerated van finance allows you to spread the cost of your vehicle over time, rather than paying for it all upfront. This keeps your cash flow healthy while you invest in a van that keeps your products at the right temperature.
Whether you’re buying a new chiller van direct from a supplier, or a used fridge van from a private seller, we can help with:
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Hire purchase (own it at the end)
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Finance lease (use it with flexible options later)
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Seasonal or structured payments
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Refinance of existing vans or fleets
Whatever works best for your business model, we’ll find a finance product to match.
Start-Up Business? We Can Still Help
If you’re just getting started and need your first refrigerated van, we’ve got great news: you don’t need years of trading to apply.
At First Oak Capital, we work with lenders who are open to funding newly registered limited companies, sole traders, and even pre-trading businesses — especially when there’s a clear plan and proven demand.
We’ll guide you through the process, help you present your case professionally, and do everything we can to secure the finance you need to get rolling.
Used Refrigerated Vans – Yes, We Finance Them Too
Many businesses choose to finance used refrigerated vans to reduce initial costs or take advantage of faster delivery. And that’s no problem.
We finance vehicles from:
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Reputable dealers
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Approved body conversion specialists
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Private sellers (subject to basic checks)
As long as the van meets basic age, mileage, and condition requirements, we can usually arrange funding. And if you’re unsure, we can help you check MOT history and asset quality at GOV.UK before you commit.
Industries We Help with Refrigerated Van Finance
We provide finance for business owners across a wide range of sectors, including:
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Food delivery and meal prep services
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Butchers, fishmongers, and farm shops
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Catering and mobile food vendors
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Ice cream and dessert vans
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Florists and plant delivery services
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Pharmaceutical couriers and vaccine transport
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Pet food distributors
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Event catering and chilled drink suppliers
Whatever you’re transporting — if it needs to stay chilled, we’ll help you finance the van that does the job.
Other Vehicles and Equipment We Finance
While we’re experts in refrigerated vans, we can also help you finance:
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Panel vans and tippers
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Transit vans for trades
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Cherry picker vans and MEWPs
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Livestock trailers
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Agricultural equipment
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Specialist fleet vehicles
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Food trailers and mobile kitchens
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Construction machinery and utility vehicles
If your business needs it to operate, there’s a good chance we can finance it.
How Our Finance Process Works
We’ve built our process to be straightforward and efficient — because we know that when you need a fridge van, you probably need it now.
Step 1: Get in touch
Call us or fill in our short online form. We’ll ask a few simple questions about your business and the van you need.
Step 2: We find your best deal
Using our wide lender network, we’ll match you with the most suitable finance option. We’ll always consider your budget, structure, and business plans.
Step 3: You choose the right option
We’ll present clear, no-jargon options — you’ll know what it costs, what you’re committing to, and how it fits your goals.
Step 4: We handle the paperwork
We deal with the admin quickly so your application keeps moving. You won’t be left waiting or chasing us.
Step 5: You get your van
Once approved, the supplier gets paid, and you can get your fridge van out on the road.
Why Choose First Oak Capital?
It’s not just about what we do — it’s about how we do it.
We know the vehicle finance industry can feel impersonal. That’s why we take a different approach. When you deal with us, you get:
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Friendly, one-to-one service
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Straightforward answers (no jargon)
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Fast turnaround times
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Flexible options tailored to your sector
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A real person who genuinely wants to help
We treat every business like it matters — because to us, it does. We don’t just sort out finance. We help you grow.
Apply Now – Get Finance for Your Refrigerated Van Today
If you’re ready to add or upgrade your refrigerated van, don’t let cash flow hold you back. We’ll help you move quickly, find the right deal, and get the vehicle you need — without stress or delays.
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Fast approvals
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New and used vans
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Start-ups welcome
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Competitive rates
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Personal, friendly service from real people
Ready to borrow smarter?
Click here to apply now or speak to one of our friendly brokers today.
Q: Can I get finance if my business is new?
A: Yes, we work with lenders who support start-ups and new limited companies. If you have a clear plan or relevant experience, we can often get a deal in place.
Q: Do you finance used refrigerated vans?
A: Absolutely. We can help you finance a used fridge van from a dealer, auction, or private seller, subject to basic checks.
Q: How quickly can I be approved?
A: Many approvals are completed within 24 to 48 hours. The sooner we have your documents, the faster we can get moving.
Q: What if I’ve been declined elsewhere?
A: We may still be able to help. We work with a variety of lenders who can consider alternative circumstances.
Q: Do I need a deposit?
A: Not always. Some of our lenders offer 100% finance, depending on your business profile and the asset.
Q: What documents will I need?
A: Usually, we’ll ask for proof of ID, basic business information, recent bank statements, and a quote for the van. If you’re a start-up, we may ask for a short business plan.
Q: Is there any obligation when I apply?
A: None at all. It’s free to enquire, and there’s no pressure to proceed. We’re here to help you explore your options.