Truck Finance Solutions

Grow your fleet with expert funding advice

Truck Finance Solutions for UK Companies

Specialist truck finance providers, helping UK businesses find the right finance options for purchasing new and used trucks. Our team has over 60 years of combined experience in financing commercial vehicles, making us knowledgeable and reliable in this field. We’re here to help whether your business is looking to buy its first truck or add to an existing fleet of HGVs.

What is Truck Finance?

Truck finance is a way for businesses to buy trucks, HGVs and trailers without paying the full price upfront. It involves getting a loan or lease to cover the cost of the truck, which the business then pays back over time. This method is beneficial for companies that need trucks for their operations but want to manage their cash flow better. It spreads out the expense of buying a truck, making it more manageable financially. Additionally, there can be tax benefits to financing a truck or HGV. Such as being able to deduct interest payments and depreciation from your taxes.

Types of Trucks & HGVs We Finance

We offer financing for a variety of new and used trucks or trailers to suit different business needs:

  • Haulage Trucks: These are used for transporting goods over long distances. They’re essential for businesses in logistics and delivery.
  • Refrigerated Trucks: Important for transporting food, medical supplies, or other items that need to be kept at a certain temperature.
  • Tanker Trucks: Used for carrying liquids or gases, often seen in fuel transport or chemical industries.
  • Construction Vehicles: Includes vehicles like dump trucks and cement mixers, crucial in construction and building projects.
  • Specialised Trucks: For specific needs like waste collection or mobile cranes.
  • Tipper Trucks: Ideal for construction and waste management sectors. Tipper trucks are used for transporting and unloading bulk materials like sand, gravel, and waste.
  • Curtain-Sided Trailers: Versatile for a range of goods, these trailers offer the flexibility of easy loading and unloading, ideal for palletized cargo.
  • Refrigerated Trailers: Similar to refrigerated trucks. These trailers are key for transporting temperature-sensitive goods over longer distances, ensuring the quality and safety of the products.

Our understanding of the diverse needs in truck and trailer financing allows us to provide solutions that are specifically suited to your business requirements. Whether it’s for transport, construction, or specialised services, we help you find the financing option that best fits your operational needs and budget.

Truck Financing picture

Types of Truck Finance Available

When it comes to financing your truck, HGV or trailer, we offer various options to suit different business needs:

  • Hire Purchase: This option allows you to pay for the truck in installments. At the end of the term, you own the vehicle outright. It’s a straightforward way to spread the cost over time.
  • Lease Agreements: Leasing a truck means you use it for a set period while paying a rental fee. At the end of the lease, you can either return the truck, extend the lease, or sometimes purchase the vehicle.
  • Operating Lease: Similar to leasing, but typically used for a shorter period. It’s a good option for businesses that need trucks for specific, short-term projects.
  • Finance Lease: A flexible arrangement where you can use the truck and get most of its economic benefits, while the lender retains ownership. At the end of the lease, you can either return the vehicle, extend the lease, or sell it on behalf of the finance company.
  • Refinance: If you already own vehicles or assets, refinance options allow you to release the capital tied up in them. This can be a strategic move to free up cash for other areas of your business, such as expansion or operational costs.

We understand that each business has unique financial needs and goals. We’re here to help you choose the option that aligns best with your business strategy and budget. If you’d like an idea of monthly repayments to help you decide how much you can afford to spend, try our truck finance calculator to give you an indication.

Truck and trailer funding

Why Choose First Oak Capital?

Choosing the right finance partner is as important as selecting the right vehicle. Here’s why First Oak Capital stands out:

  • Expertise: With over 60 years of combined experience in the asset finance industry. Our team has the knowledge and skills to guide you through the financing process.
  • Tailored Solutions: We understand that every business is different. That’s why we offer customised commercial vehicle financing solutions to meet your specific needs.
  • Simplicity and Transparency: We believe in making the finance process straightforward and transparent, so you know exactly what to expect.
  • Support and Guidance: Our team is here to provide ongoing support and advice, helping you make the best financial decisions for your business.


At First Oak Capital, we’re committed to helping UK businesses thrive. By providing them with the best truck and trailer finance options. Whether you’re expanding your fleet, upgrading your vehicles, or just starting out, we have the expertise and solutions to support you. Contact us today to discuss how we can help finance your next truck or trailer in a way that best suits your business needs.

Truck Finance

Check your eligibility with our online form without affecting your credit score.

Matt Whiteman

I hope you found this page useful

If you still have questions about financing your next Truck or Trailer book a call with me..


Click-here for more Help!