Our Clients Say
What is LCV Finance?
LCV Finance is a form of asset finance that allows businesses to spread the cost of acquiring a light commercial vehicle (LCV) — whether a single van or a full fleet — rather than paying for it outright.
Instead of tying up c…
Read MoreTypes of LCV Finance loans for dealers
How you finance light commercial vehicles matters — the right option depends on whether you want to own the vehicle outright, keep monthly payments manageable or maintain flexibility at the end of the agreement.
VAT Deferrals & Financed VAT
The VAT element of an LCV purchase can represent a high upfront cost — even if it will eventually be reclaimed. Anglo Scottish can arrange VAT deferral options that allow your customers to avoid paying VAT at the point of purchase, easing the immediate cash flow burden.
LCV Hire Purchase
Pay a deposit, then fixed monthly instalments until the vehicle is yours — no mileage limits, no final payment. Hire Purchase is the most straightforward route to outright ownership for dealers planning to keep their LCVs long-term.
LCV Finance Lease
A Finance Lease lets your customer use a vehicle over a fixed term without taking ownership of it. We offer agreements of up to five years, with a balloon payment option to keep monthly costs low — a product not typically available to dealers elsewhere.
LCV Personal Contract Purchase
Secure the finance against the vehicle itself, with your customer paying a deposit and making fixed monthly payments.
Rather than repaying the full value of the vehicle, the payments cover its depreciation over the term. At the end of the agreement, they have two options: pay a final balloon payment to purchase the vehicle or return it.
LCV Contract Hire
A long-term rental arrangement where your customer makes fixed payments over the term, but does not own the vehicle at any point — and has no option to purchase it at the end.
This suits businesses that want predictable monthly costs, prefer to avoid the risks associated with vehicle ownership or regularly refresh their fleet. The vehicle is returned at the end of the contract.
Learn about Contract HireLCV Finance for all light commercial vehicles
Anglo Scottish can arrange LCV Finance and leasing for the full range of light commercial vehicles, whether your customer needs a single unit or an entire fleet:
• Vans.
• LWB vans.
• Crew vans.
• Minibuses.
• Tipper body.
• Lutons.
• Dropsides.
• Electric vans.
• Modified vehicles.
• Refrigerated vans.
New or used and regardless of age — we’ve got it covered.
LCV dealer finance case studies
LCV dealer finance FAQs
LCV Finance is structured around business use rather than personal use, which changes both the products available and how they work.
VAT-registered businesses can reclaim or defer VAT on qualifying agreements, and the range of products is broader — including options like Finance Lease with a balloon payment, which isn’t typically accessible through standard dealership finance routes.
In many cases, yes. Anglo Scottish works with 140+ lenders and can explore no-deposit options depending on your customer’s circumstances. Every application is assessed manually, so we look at the full picture rather than applying a blanket set of criteria.
Anglo Scottish offers LCV Finance agreements of up to five years across Hire Purchase, Finance Lease and other product types. The right term depends on your customer’s cash flow and ownership preferences — our team will help structure the most suitable deal.