The practical answer
Match the cash forecast to the actual deposit and delivery dates, rather than treating the fleet as one payment on one day.
Record what each supplier requires on order, on build and on delivery, plus the start of each finance payment. VAT and retained payments may also fall at different times.
Confirm which payments the lender will fund and which the company must cover. Delayed deliveries can change approval validity and leave cash committed to deposits for longer than expected.
Commercial finance is subject to status, lender approval and the specific asset and transaction. The right structure depends on the complete circumstances of the business.
What should I do next?
Have the asset details, supplier information and an outline of what the business needs ready. DCF can then discuss the requirement and identify which lenders may be suitable.
Read: Fleet finance →Explore the relevant guides
Van finance — For commercial vans, conversions and intended use.