Transport & Haulage
Finance for HGVs, curtainsiders, flat-beds, rigids, trailers and fleet vehicles. GDFS understands the haulage industry.
About this sector
Finance in the Transport & Haulage sector
The transport sector runs on thin margins and tight cash flow. Fuel typically accounts for 30–35% of operating costs, driver wages are a constant overhead, and payment terms from logistics customers often run to 30, 60 or even 90 days. Yet the vehicles that generate revenue must be financed, maintained and replaced continuously.
Vehicle finance spreads the cost of expensive rolling stock without eating into the working capital needed to keep the business moving. Hire purchase is the most common structure for commercial vehicles, building equity over a 2–5 year term while keeping cash free for fuel, tyres and driver costs.
GDFS has strong lender relationships specifically in commercial vehicle and haulage finance — HGVs, LCVs, refrigerated trailers and specialist transport equipment. We understand that operators need quick decisions and that fleet expansion often needs to happen at the pace of a new contract.
Finance solutions
Products suited to Transport & Haulage
Why GDFS
A broker who knows your industry
We're not a comparison site or a call centre. We're an independent broker who takes the time to understand your business, your cash flow, and the unique challenges of your sector — then we find the right deal from a panel of 30+ lenders.
- FCA-authorised credit broker
- Access to 30+ specialist lenders
- Decisions typically within 24–72 hrs
- Personal broker assigned to every case
- Dorset-based, serving businesses UK-wide
- 5-star rated on Trustpilot
FCA authorised & regulated
Your interests are always protected
How we get your deal done
Tell us what you need
Call, email or fill in the form. No obligation, no credit check at this stage.
We search the market
We compare rates and products across 30+ specialist lenders on your behalf.
You choose the best deal
We present the options clearly — you decide what works for your business.
Funds in your account
We manage the paperwork end-to-end. Typical decisions within 24–72 hours.
Common questions
Transport & Haulage finance FAQs
-
Can you finance new and used HGVs?
Yes — both new and used HGVs, rigids, curtainsiders, flat-beds, refrigerated units and trailers can be financed. The age and mileage of the vehicle will influence the terms.
-
I want to expand my fleet — what's the best way to fund it?
Hire purchase is the most popular structure for fleet expansion as you own the vehicles outright at the end of the term. Finance lease can work well if you prefer lower payments and regular upgrades.
-
Can you refinance trucks or trailers I already own?
Yes — refinancing or sale-and-leaseback on vehicles you already own outright can release working capital, useful for managing cash flow or funding a deposit on new vehicles.
-
Do you work with owner-operators and small haulage firms?
Yes — we work with single-vehicle owner-operators as well as large fleet operators. Our panel includes lenders who specialise in commercial vehicles and who are comfortable with small operators and sole traders.
-
How quickly can you get a decision on vehicle finance?
For standard commercial vehicle finance, we typically aim for an indicative decision the same working day. Larger fleet acquisitions may take a little longer.
Ready to talk transport & haulage finance?
Get a free, no-obligation quote today. We'll do the lender legwork — you focus on your business.