0800 066 3677

Business finance

Flexible business loans structured around your ambitions and responsibilities. Whether you are investing in growth, strengthening cash flow or acting on new opportunities, the right funding gives you confidence, control and measurable momentum.

Business needs

Straightforward funding built around the realities of running a business. Whether you are covering a short term gap, investing in new capacity or navigating unexpected pressure, the right finance gives you stability, clarity and the freedom to focus on growth.

Commercial vehicle finance

Practical vehicle finance designed to support how your business operates. Whether you are replacing ageing vehicles, expanding your fleet or taking on bigger contracts, the right funding protects cash flow while keeping you moving forward.

About us

Straightforward business finance built around how your company actually operates. Whether you are investing in growth, managing cash flow or acting on new opportunities, the right funding gives you the clarity and flexibility to move forward with confidence.

What credit score do I need for van finance?

Does your credit score actually determine whether you get van finance?

When people ask about credit scores and van finance, they’re usually asking a different question underneath it. What they really want to know is whether their credit history is going to stop them getting the van their business needs. The honest answer is that it depends, but probably not in the way you’d expect.

Lenders assessing a business van finance application look at a range of factors, not just a credit score in isolation. Your trading history, monthly turnover, how long the business has been running, and the value of the vehicle you’re looking to finance all feed into the decision. A business with a few historical blips on its credit file but solid, consistent turnover is often in a stronger position than the credit score alone would suggest.

It’s also worth understanding that business van finance is assessed differently to a personal loan. Lenders are looking at the business as a whole, and the van itself acts as security against the finance. That changes the risk calculation considerably compared to unsecured borrowing, and means lenders are often willing to look at applications that might not pass muster elsewhere.

Where credit history does matter is in the rate you’re offered and the terms available to you. A cleaner profile will generally attract lower rates and more choice. But a less than perfect history doesn’t mean the door is closed. It means you need to be talking to the right lenders, and that’s where working with a broker makes a genuine difference. If you’d like to understand more about how the application process works, our guide to how business van finance works covers the basics in plain English.

What you can do to strengthen your application

A broker with access to a wide lending panel can do something a direct lender can’t: find the lender whose appetite matches your circumstances. Some lenders on our panel specialise in exactly this situation, businesses that have had credit issues in the past, newer companies without a long track record, or directors with personal credit history that doesn’t reflect where the business is today. If your company is newly registered, our page on van finance for new limited companies is worth a read before you apply.

Before you apply anywhere, there are things you can do to put yourself in the strongest position. Make sure your business bank account is in good order and that your accounts are filed and up to date. If there are any outstanding county court judgements or defaults that have since been settled, it’s worth being upfront about them rather than hoping they won’t be spotted. Lenders respond better to transparency than surprises. For a broader look at steps you can take, the Experian guide to business credit scores is a useful reference point.

If you’re a sole trader, bear in mind that lenders will look at your personal credit history alongside the business, so it’s worth checking your own credit file before you apply. You can do this for free through Experian, Equifax or TransUnion without it affecting your score.

The most straightforward thing you can do is have a conversation before you commit to a formal application. We can get a clear picture of your situation, tell you honestly what’s likely to be available, and approach the right lenders from the start rather than leaving a trail of declined applications on your file. Call us on 0800 066 3677 or apply online and we’ll take it from there.

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