Top 10 £800k Haulage Finance Providers in the UK 2026
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10 Asset Finance Lenders for £800,000 Haulage Finance
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Reward Funding | Growing haulage firms funding multi-vehicle fleet expansion | £100,000 to £5,000,000 | interest 0.99% to 3% monthly |
| 2 | Liberty Leasing | SME haulage operators upgrading their truck fleet | £10,000 to £2,000,000 | interest 11% to 16% annually |
| 3 | Lombard | Established transport businesses refinancing or growing their fleet | Up to £5,000,000 | interest 4% to 11.5% monthly |
| 4 | Time Finance | Mid-market haulage companies expanding vehicle assets | Up to £5,000,000 | interest 5.5% to 13.5% annually |
| 5 | Admiral leasing | Smaller hauliers adding vehicles to an existing fleet | From £1,000 | interest 5.5% to 13.5% annually |
| 6 | Barclays | Large-scale transport operators funding major fleet investment | £1,000 to £25,000,000 | interest 8.5% to 14.9% annually |
| 7 | Acorn Business Finance | Haulage companies comparing asset finance across vehicle types | £15,000 to £5,000,000 | interest 8% to 15% annually |
| 8 | PEAC Solutions | Included for comparison: transport asset finance provider | Not published | interest 7% to 14.5% annually |
| 9 | Aldermore Asset finance | Newer and established hauliers financing vehicles of all sizes | £1,000 to £10,000,000 | interest 5% to 15% annually |
| 10 | Close Brothers | Established haulage operators with larger fleet requirements | £25,000 to £100,000,000 | bespoke 3.5% to 10% monthly |
Asset finance lets haulage companies spread the cost of HGVs, trailers and commercial vehicles over time rather than paying upfront. The lender purchases the asset and you repay in fixed instalments, with the vehicle itself serving as security. For transport operators, this preserves working capital for fuel, maintenance and driver costs while keeping fleet investment on track. At £800,000, asset finance can cover several new trucks or a single high-spec artic and trailer combination.
Comparing lenders goes beyond the headline rate. Haulage businesses should weigh whether a lender understands commercial vehicle assets and residual values, as this affects the advance offered. Check if the finance structure, whether hire purchase, lease or refinance, matches your balance sheet goals and tax position. Consider seasonal payment flexibility if your contracts fluctuate. Funding speed matters when securing dealer stock. Some lenders specialise in transport and can underwrite a mixed fleet under a single facility.
Important note:
Funding Agent
Published loan rangeFrom £10,000 to up to £1,000,000
Rate typeInterest from 6.8% annually
Why it is included:It is included because many business owners need to compare several finance routes before choosing where to apply.
Funding Agent can help businesses compare suitable options across a lender panel, especially when eligibility depends on turnover, sector, trading history, credit strength and available documents.
Best use case: When the borrower wants to avoid applying to one lender at a time.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Why it stands out
- Useful when a business wants to compare lender fit rather than guess which lender to apply to first.
- Can help position the application around the funding purpose, trading profile and available documents.
- Works well as a conversion route for readers who are unsure whether a direct lender will approve a larger unsecured facility.
Need to know
- Funding Agent is a broker, not a lender.
- The lender, not Funding Agent, sets the final rate, term, fees and approval decision.
- The best match may be unsecured, secured, revolving credit, invoice finance or another product depending on the case.
Expert take
Funding Agent is a useful honourable mention for business owners who want to compare lender options before submitting a full application. A larger unsecured loan is not always approved by the first lender a business finds, so understanding lender fit early can reduce wasted time and avoid unnecessary declines.
Reward Funding
Published loan range£100,000 to £5,000,000
Rate typeinterest 0.99% to 3% monthly
Overview: For a haulage fleet requiring £800,000, Reward Funding writes asset finance facilities up to £5 million with a revolving structure that lets operators draw down as new vehicles are added. Interest runs from 0.99% to 3% monthly. Bear in mind security is required and legal or valuation costs may apply.
Best next step: Check eligibility for revolving asset finance
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Revolving facility suits growing fleets
- Monthly rates from 0.99%
- Funds available within 24 hours
Need to know
- Security and valuations required
- Costs may rise with usage
- Asset eligibility checks apply
Expert take
A secured asset lender with a revolving model that suits hauliers building fleets in stages. For £800,000 of HGV finance, the flexible drawdown aligns well with phased vehicle acquisition.
Source:https://rewardfunding.co.uk/
Liberty Leasing
Published loan range£10,000 to £2,000,000
Rate typeinterest 11% to 16% annually
Overview: Liberty Leasing turns around asset finance decisions within 24 hours, which matters when a haulage operator needs to secure HGVs quickly. Its published range stretches to £2 million, covering an £800,000 fleet purchase. Annual rates sit between 11% and 16%, and funding remains tied to specific vehicles.
Best next step: Apply for fast HGV asset finance
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Same-day decisions on asset finance
- Covers HGVs and commercial vehicles
- Preserves working capital
Need to know
- Rates start at 11% annually
- Deposits may be needed
- Funding tied to specific assets
Expert take
A fast-moving asset finance provider that prioritises quick turnaround. For haulage businesses needing £800,000 in vehicle funding, the 24-hour decision window keeps fleet expansion on schedule.
Lombard
Published loan rangeUp to £5,000,000
Rate typeinterest 4% to 11.5% monthly
Overview: Rates from 4% monthly make Lombard a cost-conscious option for haulage operators funding £800,000 of HGVs and trailers. The lender approves within 24 hours and can fund up to £5 million through straightforward asset finance. The product ties funding to each vehicle, which can simplify fleet budgeting.
Best next step: Explore Lombard haulage finance options
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Up to £5 million for fleets
- 24-hour funding decisions
- Straightforward asset-backed structure
Need to know
- Monthly interest structure applies
- Asset eligibility is assessed
- Deposits may be required
Expert take
A long-established asset finance name with deep experience in commercial vehicle funding. Haulage operators targeting £800,000 of HGV finance will find a familiar process and predictable asset-backed terms.
Source:https://www.lombard.co.uk/
Time Finance
Published loan rangeUp to £5,000,000
Rate typeinterest 5.5% to 13.5% annually
Overview: Where many asset lenders stop at vehicle finance, Time Finance adds invoice discounting so haulage operators can release cash from unpaid invoices alongside funding an £800,000 fleet. Facilities climb to £5 million with annual rates from 5.5% to 13.5%. Costs can rise with heavier drawdown usage.
Best next step: See combined invoice and asset options
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Invoice finance plus asset funding
- Revolving facility adapts to cashflow
- Up to £5 million available
Need to know
- Invoice quality affects eligibility
- Costs may increase with drawdowns
- Debtor concentration reviewed
Expert take
A dual-product lender whose invoice finance capability sets it apart from pure asset funders. Haulage firms with strong B2B receivables can fund an £800,000 fleet while smoothing cash flow between customer payments.
Source:https://www.timefinance.com/
Admiral leasing
Published loan rangeFrom £1,000
Rate typeinterest 5.5% to 13.5% annually
Overview: Funding from £1,000 upwards means Admiral Leasing can serve haulage operators adding a single trailer or financing an £800,000 fleet. Annual rates land between 5.5% and 13.5%, and decisions sometimes come back within four hours. Expect affordability checks and a possible personal guarantee.
Best next step: Check Admiral leasing terms for fleets
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Four-hour decision turnaround
- Equipment leasing from £1,000
- Covers HGVs and trailers
Need to know
- Personal guarantee may apply
- Trading history scrutinised
- Security and legal costs possible
Expert take
A responsive equipment lessor that moves quickly on vehicle finance applications. For haulage operators needing £800,000, the fast decision speed can keep fleet purchases on track where trading history and affordability stack up.
Barclays
Published loan range£1,000 to £25,000,000
Rate typeinterest 8.5% to 14.9% annually
Overview: Up to £25 million in asset finance is available through Barclays, making it a capable option for haulage operators funding £800,000 across HGVs, trailers and support vehicles. Annual rates start around 8.5%. Bank underwriting tends to be more thorough than alternative lenders.
Best next step: Speak to Barclays about fleet finance
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Lends up to £25 million
- Broad commercial vehicle coverage
- Established bank backing
Need to know
- Bank underwriting is stricter
- Strong trading history needed
- Personal guarantee may apply
Expert take
A high-street bank with deep asset finance capabilities and the balance sheet to back large fleet deals. Haulage operators funding £800,000 gain brand stability and predictable terms alongside a more detailed underwriting journey.
Acorn Business Finance
Published loan range£15,000 to £5,000,000
Rate typeinterest 8% to 15% annually
Overview: A multi-product panel spanning asset finance, revolving credit and premium finance sets Acorn Business Finance apart for haulage operators weighing an £800,000 fleet investment. Annual rates run from 8% to 15% across facilities up to £5 million. Security and trading history influence final terms.
Best next step: Compare Acorn's asset finance panel
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Multi-product finance panel
- Facilities up to £5 million
- Specialist transport understanding
Need to know
- Security and valuations required
- Trading history reviewed
- Legal costs may apply
Expert take
A broker-style lender with access to multiple asset finance products under one roof. For an £800,000 haulage fleet investment, the breadth of options across revolving credit, term loans and premium finance aids comparison.
PEAC Solutions
Published loan rangeNot published
Rate typeinterest 7% to 14.5% annually
Overview: Annual rates from 7% keep PEAC Solutions pricing transparent for haulage operators budgeting an £800,000 HGV purchase. The lender funds within 24 hours and ties repayment to the financed assets. Published loan amounts are not disclosed, so facility sizing requires direct discussion.
Best next step: Enquire about PEAC haulage rates
More info
Company stats
Rates and debtor rules
Benefits
- Annual rate structure is clear
- 24-hour funding available
- Asset-backed repayment model
Need to know
- Loan range not published
- Deposits may be needed
- Asset eligibility checks apply
Expert take
An asset finance provider with a transparent annual-rate model that suits haulage businesses wanting predictable cost calculations. For £800,000 of fleet funding, the straightforward pricing aids long-term budgeting.
Aldermore Asset finance
Published loan range£1,000 to £10,000,000
Rate typeinterest 5% to 15% annually
Overview: Aldermore lists rates from roughly 5% annually for asset finance, placing it among the more competitive options for haulage operators raising £800,000. Funding spans £1,000 to £10 million with a typical 48-hour turnaround. Haulage-specific terms warrant direct enquiry.
Best next step: Request Aldermore fleet finance terms
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Competitive rates from 5% annually
- Up to £10 million available
- Broad SME lending experience
Need to know
- 48-hour funding timeline
- Direct enquiry recommended
- Haulage terms not pre-published
Expert take
A well-known SME asset funder with a wide lending appetite and competitive starting rates. For haulage businesses seeking £800,000, Aldermore's scale and rate positioning make it a worthwhile comparison option.
Source:https://www.aldermore.co.uk/business/business-finance/asset-finance/
Close Brothers
Published loan range£25,000 to £100,000,000
Rate typebespoke 3.5% to 10% monthly
Overview: Mid-market transport expertise defines Close Brothers, which lends from £25,000 to £100 million with bespoke rates starting around 3.5% monthly. Its established haulage and manufacturing presence means an £800,000 fleet facility lands in familiar territory for its credit team. Expect relationship-led underwriting.
Best next step: Talk to Close Brothers about fleet funding
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Transport sector expertise
- Bespoke pricing for large fleets
- Lends up to £100 million
Need to know
- Mid-market focus applies
- Relationship-led process
- Monthly rate structure
Expert take
A specialist mid-market lender with genuine transport sector heritage. For haulage operators raising £800,000, Close Brothers brings sector-informed underwriting and pricing tailored to fleet composition rather than off-the-shelf terms.
Asset Finance Calculator
How hire purchase and leasing compare for £800,000 haulage finance
Hire purchase gives your haulage business ownership after the final payment. A finance lease keeps vehicles off your balance sheet and can reduce your tax burden. For a firm spending £800,000 on HGVs, the choice affects cash flow for years.
HP suits companies that want to own their fleet outright and claim capital allowances against profits. Lease agreements typically come with lower monthly payments because the lender retains the residual value. This frees up working capital for fuel, driver wages and maintenance, which is useful when margins are tight.
Lenders on this page offer both structures. Aldermore provides facilities from £1,000 up to £10 million, covering single vehicles through to full fleet replacements. Close Brothers can fund up to £100 million for larger haulage operations. Your accountant can model which option gives better tax treatment for your year-end position.
HGV depreciation and residual values when financing £800,000 in haulage assets
HGVs lose value quickly in the first three years, then depreciation slows. A new tractor unit can drop 20 to 30 percent in year one alone. Lenders factor this into their terms when you borrow £800,000 for haulage assets.
The lender assesses what your vehicles will be worth at the end of the agreement. A strong residual value means lower monthly payments on a lease. For HP, it affects the balloon payment size if you choose that route.
Euro 6 compliance and the shift toward electric HGVs are changing residual forecasts. Diesel trucks may face steeper depreciation as clean air zones expand. Some lenders adjust their maximum loan-to-value ratios based on the vehicle's expected future value. Reward Funding publishes a maximum LTV of 85% across its asset finance range, which is a useful benchmark when planning your fleet purchase.
Structuring £800,000 in fleet finance across multiple HGVs for tax efficiency
Spreading £800,000 across several vehicle agreements rather than a single facility can improve your tax position. The Annual Investment Allowance lets haulage firms write down qualifying assets against profits in the year of purchase.
Mixing HP and lease agreements across your fleet gives flexibility. Own some vehicles through HP to claim capital allowances. Lease others to keep monthly costs predictable and preserve cash for seasonal dips in haulage demand.
The timing of asset purchases matters too. Buying vehicles just before your year-end can bring forward tax relief into the current period. Lombard offers asset finance up to £5 million, which suits mid-sized haulage firms funding several trucks at once. Liberty Leasing covers transactions from £10,000 to £2 million, giving you room to structure individual vehicle agreements across your fleet.
How maintenance costs affect your £800,000 haulage finance terms
Running costs directly affect how much your haulage firm can comfortably repay each month. Lenders look at your profit margins after fuel, insurance and maintenance when assessing affordability for £800,000 in asset finance.
Tyres, servicing and unexpected breakdowns can easily cost a single HGV £8,000 to £12,000 per year. Across a fleet financed at £800,000, these costs add up fast. A sensible finance structure keeps repayments manageable even when operating costs spike.
Some lenders let you bundle maintenance packages into the finance agreement, smoothing repair costs into a single monthly payment. Barclays offers terms up to 25 years on asset finance, though haulage vehicles are rarely financed beyond 5 to 7 years. Admiral leasing and Aldermore both offer terms up to 7 years, giving you room to spread costs over the useful life of each vehicle.
