Specialist

Commercial Vehicle Finance and Leasing

For buying and refinancing Commercial Vehicles

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COMMERCIAL VEHICLE FINANCE AND LEASING

Clifton private finance

We specialise in sourcing Commercial Vehicle car finance and leasing in the UK

 

High quality prestigious car finance solutions for UK & international clients.

  • Finance from £25,000
  • Competitive vehicle finance that often outperforms in-house car dealer offers
  • Van finance, LCV finance and HGV finance solutions
  • Flexible finance options which includes: Personal loans, Personal contract Purchase (PCP), Hire Purchase, Lease Purchase
  • Tailored bespoke service
  • Refinance options
  • Flexible repayment periods
  • Finance available on new, used and auction bought commercial vehicles
  • Business owners - Refinance existing assets to free up your company's liquid capital
  • Business owners - Cashflow matched repayments
  • Asset finance for commercial vehicles

We can deliver enhanced, bespoke or exclusive terms through our market knowledge.  

Call us on 0203 900 4322 to discuss your requirements.

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Commercial Vehicle Finance and Leasing

In this article, we will delve into the following topics:

Remember, the right commercial vehicle can significantly enhance your business operations, and with the right finance or lease plan, it’s more attainable than you might think.

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Different Options Available for Commercial Vehicle Finance and Leasing

When looking to acquire a commercial vehicle for your business, you have several finance and leasing options to consider. Each option has pros and cons to weigh up depending on your business needs and cash flow. Here are some of the options that are most popular when looking to finance a commercial vehicle:

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Popular Types of Commercial Vehicles You Can Buy on Finance

Many reputable manufacturers offer a wide range of commercial vehicles for all sorts of specialised or more general use. All of these types of commercial vehicles that can be acquired on finance. Here are some options and price ranges as an example:

Vehicle TypeModelPrice Range in UK
Vans Ford Transit £12,180 - £39,145
  VW Transporter £40,000 - £53,998
  Mercedes Sprinter £32,465 - £52,050
Trucks Scania £6,450 - £17,750
  Mercedes £24,500 - £49,500
  MAN Prices vary
  DAF £2,950 - £34,750
Refrigerated Vans Thermo King Prices vary
  FRIGOBLOCK Prices vary
Tipper Trucks Mercedes £11,950 - £49,500
  Iveco Eurocargo £22,950 - £42,500
  Renault (various models) Prices not readily available
Minibuses Ford Transit £23,998 - £53,998
  VW Transporter £33,588 - £53,998
  Mercedes Sprinter £23,998 - £41,998
Specialist Vehicles Cherry Picker (Various Models) Around £200 per day
  Concrete Mixer (Various Models) £225.99 - £659.99
  Road Sweeper (Various Models) £14,995+

 

Tax Implications for Commercial Vehicle Finance

When it comes to commercial vehicle finance and leasing in the UK, understanding the tax implications is crucial. The type of finance or lease agreement you choose can have a significant impact on your tax liabilities.

In terms of corporation tax, limited companies can claim up to 100% of the monthly payments back through their corporation tax bill. This also applies to costs such as maintenance packages alongside your lease agreement. However, this benefit applies according to company car emissions as determined by allowances set by HM Revenue and Customs (HMRC).

Maintenance and Insurance for Commercial Vehicle Finance

The responsibility for maintenance and insurance of a financed or leased commercial vehicle typically depends on the type of agreement.

In a contract hire arrangement, all maintenance and wear and tear are usually the responsibility of the lender. This means that the finance company takes care of servicing and maintaining the vehicle, providing you with peace of mind and predictable costs.On the other hand, with a finance lease, you hire a commercial vehicle for a fixed period but take on maintenance costs yourself. This means you would be responsible for servicing the vehicle and carrying out any necessary repairs.

When it comes to insurance, it is typically the business that must ensure the vehicle is insured. The insurance policy that covers the car must be the company’s motor vehicle insurance policy and in the company’s name. This means that the individual who drives the car will not necessarily need to have any motor vehicle insurance.

Understanding these responsibilities is key to choosing the right finance or lease option for your business. It’s always a good idea to consult with a financial advisor, like us at Clifton Private Finance, or accountant to understand the best option for your specific needs and circumstances.

What Happens at the End of an Asset Finance Plan?

Typically, at the end of an asset finance agreement, you’ll have three options:

Consider costs, business needs, and the vehicle's condition to determine the best option. Discuss requirements with your asset finance provider ahead of time.

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Using a Finance Broker to Help

Finding the best deal for commercial vehicle finance and leasing can be a daunting task, especially if you are not familiar with the different options, terms, and conditions. That’s why using a finance broker can help you get the best deal and the most suitable option for your purchase. At Clifton Private Finance, we can help you: 

At Clifton Private Finance, we are a leading finance broker in the UK, and we specialise in commericial vehicle finance. We have access to multiple asset finance lenders, and we always compare the best options to offer you bespoke finance solutions that suit your needs and budget. We can also help you with any type of commericial vehicle - from minivans to trucks, and specialised vehicles depending on the business.

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If you are interested in buying a commericial vehicle on finance, contact us today and speak to one of our expert advisers. We will be happy to answer any questions you may have, and provide you with a free, no-obligation quote. We look forward to hearing from you soon. 


Call us today to discuss your requirements on 0203 900 4322

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