Vans and service fleets
Additional vans for courier, maintenance, utilities, construction and field-service contracts.
Turn awarded work into operating capacity
Won a contract? Finance the vehicles and equipment needed to deliver it.
A new contract can create an immediate need for vans, trucks, plant or machinery before the new revenue starts arriving. DCF helps UK limited companies present the investment and contract requirement to suitable asset-finance lenders.
UK limited companiesEstablished 2011Independent broker
Finance around your business
The work is won. Now the business needs the capacity to deliver it.
Growth often creates a timing gap: equipment has to be purchased, staff mobilised and deposits paid before the first customer invoice is received. Asset finance can spread eligible vehicle or equipment costs rather than requiring the full purchase price upfront.
Tell us what has been awarded, when delivery starts and exactly which assets are required. The contract does not guarantee finance, but it can help explain the commercial reason for the investment and the expected increase in activity.
Finance is subject to status and lender approval. Deposits, rates, terms and any guarantees depend on your business, the asset and the lender.
What we can help fund
The right asset for the work ahead.
Trucks and trailers
Tractor units, rigids, specialist trucks and trailers required for new haulage or logistics work.
Plant and machinery
Excavators, handling equipment, CNC machines and other productive assets needed to increase capacity.
Your funding options
Ownership or use. Understand the difference.
Hire purchase
Spread the purchase cost through an agreed repayment schedule. Ownership can pass to your business once all contractual payments and any option-to-purchase fee have been paid.
Ask us to set out the initial payment, monthly cost, fees and any final payment together, so you can compare the full commitment.
Finance lease
Your business uses the asset in return for rentals, while the finance provider retains ownership. End-of-term arrangements depend on the agreement and should be understood before you sign.
We can explain the initial rental, ongoing payments and the options available when the primary term ends.
Explore the detail in our hire purchase, finance lease and contract hire comparison and VAT on asset finance guide.
Make the purchase work
Look beyond the monthly payment.
Mobilisation date
Work backwards from the contract start date and allow time for asset sourcing, lender approval and delivery.
Contract evidence
A signed contract, award letter, purchase order or other evidence can help explain the requirement, although underwriting still considers the whole business.
Working capital
Asset finance funds eligible assets, not every mobilisation cost. Wages, materials, insurance and other working-capital needs should be planned separately.
Start with the essentials
What to send us.
A supplier quote or listing is a useful starting point. We will confirm which supporting documents the lender needs.
Start your enquiry- Contract, award letter or purchase order where available.
- Summary of the customer, work and start date.
- Asset quotations and delivery timetable.
- Number of vehicles or machines required.
- Existing trading information and management accounts where requested.
- Cash-flow forecast where useful to show mobilisation and new revenue.
A clear next step
How it works with DCF.
- 01
Show us the requirement
Explain the contract and the assets needed to deliver it.
- 02
Build the finance request
We align supplier quotes, delivery dates and the proposed finance structure.
- 03
Approach suitable lenders
We present the application with the supporting business and contract information.
- 04
Mobilise the assets
Once approved conditions are met, purchases can complete in line with supplier delivery.
Your questions answered
Equipment finance for a new contract: frequently asked questions
Can I get asset finance because I have won a new contract?
A new contract can support the commercial rationale for an application, but finance is still subject to the business, asset and lender underwriting.
Can I finance several vans for a new contract?
Potentially, yes. Multiple vehicles can be considered together and deliveries can sometimes be phased.
Can a new company finance equipment for its first contract?
Potentially. Limited trading history does not automatically prevent asset finance, but lenders may require more supporting information, deposit or guarantees.
Will a lender want to see the contract?
It can be useful evidence of why the investment is required. The exact documents depend on the lender and application.
Can asset finance cover wages and materials?
Asset finance is primarily for eligible vehicles and equipment. Working-capital requirements such as wages and materials need to be considered separately.
What if the vehicles arrive in stages?
Tell us the delivery schedule at the outset. Some fleet transactions can be structured around phased deliveries, subject to lender agreement.
From the DCF knowledge centre
Common questions about equipment finance for a new contract
- Can equipment finance complete before a new contract starts?
- How do I fund the gap before the first contract invoice is paid?
- What happens if a contract is cancelled after equipment finance starts?
- Should I hire equipment first while a new contract settles in?
Let’s talk about your next purchase
Bring us the plan. We will do the legwork.
Based in Kent and supporting limited companies across the UK. Tell us what you need and we will explore suitable lenders on our panel.
Direct Commercial Finance Ltd is a commercial finance broker, not a lender. Finance is subject to status and lender approval.