Asset & equipment finance
Vehicle and fleet finance for UK businesses.
Fund vans, cars, trucks and specialist vehicles — or refinance the fleet you already own — with hire purchase or leasing shaped around business use, without tying up working capital.
Check vehicle finance fit
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Compare your options in one short enquiry — it takes about 60 seconds.
Check vehicle finance optionsFree to enquire · subject to status and provider criteria
- Spread the cost of business vehicles instead of paying large sums up front.
- Fund a single van or a whole fleet through one enquiry.
- Keep working capital free for the rest of the business.
How it works
Tell us about your business and vehicles
A few quick details about your company and the vehicles you want to fund or refinance.
We match you with the right lenders
We compare our panel to find the vehicle and fleet finance options that fit your situation.
Compare and choose
Review your options with no obligation and pick what works — we're with you to completion.
What vehicle and fleet finance is
Vehicle and fleet finance is a form of asset finance that lets a business acquire vans, cars, trucks or specialist vehicles and pay over time, rather than in one lump sum. It can also release cash from vehicles you already own through refinance.
Hire purchase vs leasing for vehicles
With hire purchase you pay in instalments and typically own the vehicle at the end; with leasing you use the vehicle for an agreed term and then return or renew it. Which fits depends on whether you want to own the vehicle and how you use it.
Single vehicle or a whole fleet
The same routes work whether you need one van or are funding and refreshing an entire fleet. For larger fleets, providers can structure facilities to add or replace vehicles over time.
What to check before you enquire
Confirm the vehicles are for business use, match the term to how long you'll keep them, and weigh up maintenance, mileage and expected resale value alongside the monthly cost.
Why compare with Muve
- For UK incorporated businesses, vehicles for business use.
- Manual review before routing to a finance partner.
- Introducer, not a lender.
Pros and cons
Pros
- Spread the cost of vehicles instead of paying up front.
- Fund a single van or a whole fleet through one enquiry.
- Keeps working capital free for the rest of the business.
Watch-outs
- You pay more than the cash price over the term.
- Leased vehicles aren't owned unless you buy them.
- For business-use vehicles only.
"With vehicle finance, the key is matching the funding term to how long you'll actually use the vehicle, and comparing hire purchase against leasing for how you run your fleet. Keep it business-use, and factor in maintenance and expected resale."
What it costs
Vehicle finance is priced through the instalments over the term versus the cash price. Compare hire purchase against leasing, and weigh maintenance, mileage and expected resale value alongside the monthly cost.
- The vehicle(s), price and expected use.
- Hire purchase vs lease structure.
- Deposit, term, mileage and any fees.
What you'll need to enquire
- Your registered company name (we'll find you on Companies House).
- The vehicle(s) you want to fund or refinance.
- Whether you want to own them at the end.
- Your annual turnover and trading history.
Ready to see which finance routes could fit?
Check vehicle finance optionsFrequently asked questions
Can I finance a single van, or only a fleet?
Either. Vehicle finance through Muve works for a single vehicle or a whole fleet. What's available depends on the provider and is subject to status.
Should I choose hire purchase or leasing?
Hire purchase usually leads to ownership; leasing keeps ownership with the provider and can lower monthly cost. The right choice depends on how long you'll use the vehicle and whether you want to own it.
Can I raise cash against vehicles I already own?
Often, yes — refinance can release cash from owned business vehicles while you keep using them, subject to the asset and the provider.
Who can apply?
Vehicle and fleet finance through Muve is for UK incorporated businesses — limited companies, PLCs and LLPs — funding vehicles for business use.
Written by the Muve editorial team.