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Vehicle HP finance can help businesses replace or add commercial vehicles without tying up all working capital. Typical agreement sizes are £25,000 to £250,000, with £700,000 possible for larger fleet or higher-value vehicle cases depending on lender appetite and asset values. Terms are commonly 36 to 60 months, and indicative fixed HP rates (APR style) are often around 7% to 15% per annum, varying by asset type, term, deposit and risk. Initial decisions are usually 1 to 5 business days, assuming the vehicle details and documentation are straightforward.

Equipment HP is often used to buy eligible plant and machinery from approved suppliers, converting capex into fixed monthly payments. Typical amounts range from £10,000 to £500,000+, and £700,000 may be feasible where residual value and lender limits support the deal. Lending terms are commonly 24 to 72 months, often 36 to 60 for many machinery categories. Pricing is typically fixed for the term, with realistic ranges around 8% to 14% per annum. Decisions are usually 2 to 7 business days, depending on equipment valuation and affordability checks.

Fleet HP supports businesses with a defined fleet plan that may include multiple vehicles or assets. It is designed for cases where you need to renew or scale capacity and want a more structured approach to repayment and administration. Typical amounts are £50,000 to £1,000,000+ where lender appetite supports multi-asset fleets, with £700,000 aligning to common higher-value fleet renewal scenarios. Terms are usually 36 to 60 months, and pricing is typically fixed within the contract, often about 7% to 14% per annum depending on fleet risk and asset mix. Decisions are typically 3 to 10 business days because multiple assets require combined affordability and valuation checks.