If you’re looking to finance one minibus or a whole fleet, finding the right lender can be harder than you think — especially when you’re trying to run your business at the same time.
At First Oak Capital, we help businesses of all sizes secure the minibus finance they need — quickly and without the usual headaches. Whether you’re a school, a community transport operator, a care provider, or a private hire company, we can help you secure competitive rates and get your application approved.
We know the lenders, we know what they want to see — and we prepare your application in a way that increases your chances of being accepted. We also have finance options you might not even know exist.
We Help You Avoid the Common Pitfalls
It’s easy to leave finance until the last minute. Many business owners come to us after they’ve already been declined, or when a vehicle is about to be sold to someone else. That’s why acting early — and letting us manage the process — can save you time, stress, and money.
We work with:
- Companies expanding their minibus fleets
- Operators buying from dealers or private sellers
- New startups with no trading history
Even if your accounts are behind or your credit isn’t perfect, we may still be able to help.
Call us or fill in the form on our website to get a quote.
MINIBUS FINANCE
Finance new or used vehicles
Rates from 4.25%
Borrow £10k – £500k
12 – 84 month terms
VAT deferral available
Minibus Finance That Works for Your Business
If you’re running a business or organisation that relies on group transport, you already know how essential a reliable minibus is — whether you’re moving students, service users, staff, or sports teams. But buying a minibus outright can put serious pressure on your cash flow.
That’s where minibus finance comes in.
Instead of tying up your capital in one big purchase, minibus finance allows you to spread the cost over time — giving you the freedom to grow your business, manage expenses, and access the vehicles you need, when you need them.
Whether you’re upgrading an ageing fleet, expanding capacity, or replacing a vehicle urgently, we help you finance a minibus in a way that works with your budget and goals.
We offer two flexible minibus finance solutions tailored to different needs:
🚐 Hire Purchase Minibus Finance
Take ownership of your minibus while managing your cash flow.
With a hire purchase agreement, you pay an initial deposit followed by fixed monthly payments over an agreed term (usually 2–5 years). Once the final payment is made, the minibus is yours — no balloon payment, no surprises.
Perfect for:
✔️ Businesses that want to own the minibus long-term
✔️ Those who need predictable monthly costs
✔️ Operators with high mileage usage
Key Benefits:
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You own the vehicle at the end
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Fixed interest rates and monthly payments
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No mileage or usage restrictions
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Asset appears on your balance sheet
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Spread VAT if applicable (ask your accountant)
🔁 Finance Lease Minibus Finance
Access the vehicle you need without the full cost of ownership.
With a finance lease, you lease the minibus for an agreed period and pay fixed monthly rentals. At the end of the term, you can:
→ Extend the lease
→ Return the vehicle
→ Sell it and retain a share of the sale proceeds
Perfect for:
✔️ Businesses that want lower upfront costs
✔️ Organisations that upgrade vehicles regularly
✔️ Operators looking for off-balance-sheet solutions
Key Benefits:
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Lower initial outlay
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Flexible end-of-term options
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Possible VAT advantages (check with your accountant)
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Ideal for keeping your fleet current and reliable
Why Choose Us for Minibus Finance?
We understand that every business is different — and so is every vehicle deal. That’s why we take time to understand your situation, your goals, and your budget before matching you with the most suitable minibus finance option. We work with a panel of trusted lenders to secure competitive rates and flexible terms.
Whether you’re a school, care provider, charity, taxi firm, or sports club, we’ll help you finance a minibus that fits your needs — without the upfront financial strain.
WHY FIRST OAK CAPITAL?
Helping Since 1994
Benefit from our 30 years of experience and expertise in commercial finance brokering
Competitive Industry Rates
Increase business growth and save money with highly competitive industry rates
Access Over 100 Lenders
Access to more than 100 lenders in the UK finance market
Funding Within 48 Hours
Once approved, funding can be provided in as little as 48 hours
Minibus Finance Calculator
Here Is Your Finance Illustration
- Monthly Payment :
- Estimated Interest Rate : 4%
- Total Amount Payable :
*This interest rate is for illustrative purposes only, your interest rate may differ and will be confirmed during your application.
Credit score information
Excellent : This category is for companies with an outstanding credit rating. Your business will be profitable, well established, and have a consistent or growing turnover. With no missed payments.
Fair : This category is for companies with a decent credit rating. They have a history of making payments on time, with possibly a few missed or late payments in the past.
Poor : This category is for companies with a poor credit rating or who may have had financial difficulties in the past. This could include a County Court Judgments (CCJs) on their record.
FAQs
Q: Can I finance a new or used minibus?
A: Yes, we offer finance options for both new and used minibuses. Used vehicles often provide great value and are just as financeable as new ones, depending on age, mileage, and condition.
Q: Who is eligible for minibus finance?
A: We work with a wide range of businesses and organisations including schools, care homes, charities, taxi and transport operators, sports clubs, and more. Whether you’re a limited company, sole trader, or non-profit, we can help find a suitable option.
Q: What types of finance are available for minibuses?
A: Common options include hire purchase (HP), finance lease, and contract hire. The best choice depends on your cash flow, ownership preferences, and how you plan to use the vehicle.
Q: Do I need a deposit?
A: Not always. Some lenders offer zero-deposit options, while others may require a small upfront payment. It depends on your credit profile and the type of finance agreement.
Q: Can I finance a wheelchair-accessible minibus (WAV)?
A: Absolutely. We can arrange finance for accessible vehicles, including those with ramps, lifts, or specialist adaptations.
Q: Can I get minibus finance with bad credit?
A: Yes, there are lenders who specialise in working with businesses or individuals with less-than-perfect credit. We’ll help match you with a suitable provider.
Q: How long does the finance process take?
A: Approval can often be secured within 24–48 hours once we have the necessary information. Delivery of the vehicle will depend on availability and supplier timelines.
Q: What documents do I need to apply?
A: Typically, you’ll need proof of ID, recent bank statements, and business or organisational information. We’ll guide you through exactly what’s required.
Q: Can I finance more than one minibus at a time?
A: Yes, fleet financing is available if you need multiple vehicles. We can tailor a package that fits your operational and financial needs.
Have Questions? Let’s Talk.
Call us today to get help securing minibus finance. In addition, we would be happy to provide you with more information about our services. Call us on 0800 066 3677 or email us to get the ball rolling. Alternatively, if you’d like to get your finance approved today just click on the quote button, complete the short form and we’ll be in touch.