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Fleet Finance
Whether you run two vans or fifty vehicles, Anglo Scottish Finance helps UK businesses fund their fleet without tying up working capital. We work with a wide panel of lenders to find the right deal for your business — fast decisions, competitive rates, and a dedicated account manager who knows commercial vehicles.
Why finance your fleet with Anglo Scottish?
- Access to a panel of 30+ specialist lenders — we find the best fit for your business
- Decisions in as little as 24 hours
- Finance for new and used vehicles, including HGVs, vans, cars and electric vehicles
- Flexible terms from 12 to 60 months
- No large upfront capital outlay — keep cash in the business
- Dedicated account manager throughout
- We finance single vehicles through to full fleet replacements
Finance options for your fleet
We offer a range of finance structures depending on how you want to own and manage your vehicles:
Hire purchase (HP)
Make fixed monthly payments and own the vehicle outright at the end of the agreement. A popular choice for businesses that want long-term ownership with the cost spread over time.
Finance lease
Use the vehicle for an agreed term and make fixed monthly payments. At the end, you can extend the lease, return the vehicle, or sell it and keep a share of the proceeds. A tax-efficient option for many businesses.
Operating lease / contract hire
A fully-managed solution where you hand the vehicle back at the end of the term with no residual value risk. Maintenance packages can be included, making it ideal for businesses that want predictable monthly costs.
Sale and leaseback
Already own your vehicles outright? Release the capital tied up in them through a sale and leaseback arrangement, then continue using them under a finance lease.
Need help? Call us on 0191 410 4776
Types of Vehicle Fleet Financing
Fleet finance isn’t one-size-fits-all. The right structure depends on whether you want to own the vehicles outright, preserve cash flow or keep the flexibility to upgrade your fleet at the end of each agreement.
Fleet Lease Purchasing
Fleet Lease Purchase gives you manageable monthly repayments across all your vehicles, with the option to own them at the end. Pay a deposit, make fixed monthly payments, then buy the vehicles by settling the final balloon payment, sell them to cover that amount or hand them back.
Fleet Hire Purchasing
Pay a deposit, then fixed monthly instalments until every vehicle in your fleet is yours — no mileage limits, no final balloon. Fleet Hire Purchase is the simplest route to outright ownership and is often the most cost-effective option for businesses that plan to keep their vehicles long-term.
Fleet Finance Leases
Fleet Finance Lease lets you use vehicles over a fixed term without owning them — useful if you prefer to keep capital free or regularly refresh your fleet. Spread costs evenly across the term, or defer a portion to the end to reduce monthly payments. At the end of the agreement, the vehicles are returned or sold.
Fleet Finance for new businesses
Getting fleet finance as a new business can feel out of reach — particularly when high street lenders want to see years of trading history before they’ll consider an application. Anglo Scottish works differently.
Our panel includes lenders experienced in supporting early-stage businesses, sole traders, and partnerships looking to finance their first fleet.
Every fleet finance application is reviewed manually by one of our team — meaning your circumstances are assessed by a real person, not a system. If your business is new, your trading history is limited, or your credit profile isn’t quite where you’d like it to be, we’ll give your application every possible chance.
Get a quoteLimited company fleet finance
For limited companies, financing a fleet through the business rather than personally is usually the more tax-efficient and commercially sound approach.
The agreement sits with the company — not the director — meaning…
Read MoreFleet finance case studies and information hub
Business fleet finance FAQs
The process is the same — you apply, we search our panel, and we come back with terms. The key difference with fleet finance is the structure. Some vehicles may suit Hire Purchase if you’re keeping them long-term; others may be better on a Finance Lease if you prefer to upgrade regularly. We’ll help you work out the right approach for each vehicle.
The finance products are identical, but vans are classed as commercial vehicles, which affects VAT reclaim eligibility and how some lenders assess applications. If your fleet is mixed — cars and vans — we’ll make sure each vehicle sits under the right type of agreement.
There’s no fixed minimum. Every application is reviewed manually, so your credit history is one factor among several — not an automatic pass or fail. If you’re unsure where you stand, get in touch, and we’ll give you an honest assessment.