Transport and Logistics finance
Keep your fleet
and cash flow moving.
Transport and logistics finance for vehicles, equipment and the cost of delivering your next contract.
TMS Finance is a credit broker, not a lender.
Keep Vehicles Moving While Customers Take Time to Pay
Transport and logistics businesses carry fuel, wages, maintenance and insurance costs every week, while customers may pay on 30, 60 or longer terms. Winning a larger contract can increase that pressure before revenue catches up.
Commercial finance can support fleet investment, repairs, depots, technology and the working-capital gap between delivering a service and receiving payment.
A funding plan that fits your sector
TMS Finance reviews the fleet, contracts, customer concentration, invoice cycle, margins and existing commitments before identifying suitable options.
We explain the costs, repayment structure, lender requirements and any security or personal guarantee before you decide how to proceed.
Finance routes worth exploring
The right route depends on your business, the use of funds and how repayments will be supported.
Invoice finance
Explore funding against eligible transport and logistics invoices.
What could your funding support?
- HGVs, vans, trailers and specialist vehicles
- Forklifts, handling and warehouse equipment
- Fleet replacement, repairs and maintenance
- Fuel, insurance and payroll working capital
- Contract mobilisation and route expansion
- Depot, warehouse and fit-out costs
- Tracking, routing and logistics technology
- Cash flow while waiting for customer invoices
Tell us what you need to achieve
Share your funding amount, purpose and timescale. We’ll review your enquiry and explain the information needed to explore suitable options.
Submitting an enquiry does not commit you to proceed. Finance is subject to status, affordability, lender criteria and approval. Security and personal guarantees may be required.
01
Understand your needs
Review your business, purpose, timescale and existing commitments.
02
Explore suitable routes
Consider relevant providers from our panel and explain their requirements.
03
Make an informed choice
Review the costs, conditions and repayment commitments before proceeding.
Transport and Logistics finance FAQs
Funding may be available for qualifying HGVs, vans, trailers, coaches, taxis and specialist commercial vehicles. The vehicle age, mileage, supplier, value, usage and operator profile can affect terms.
Yes, some lenders finance used commercial vehicles where age, condition, mileage and remaining useful life are acceptable. Older or highly specialised assets may require a larger deposit or shorter term.
A business loan, revolving credit or invoice finance may help bridge the gap between weekly operating costs and later customer payments. The structure must remain affordable during normal trading fluctuations.
It may be suitable where the business raises eligible business-to-business invoices for completed services. Lenders assess debtor quality, invoice terms, concentration, disputes and contractual deductions.
Asset refinance may release working capital against suitable unencumbered vehicles or replace an existing agreement. Valuation, settlement figures and lender security requirements may apply.
Where an operator’s licence is required, lenders may consider its status, fleet compliance and business continuity. Accurate licensing and compliance information should be provided with the application.
Lenders commonly request accounts, bank statements, management information, vehicle quotations, fleet details, contracts, invoice data and information about existing borrowing.
Prepare for your application
Common requests include accounts, business bank statements, existing borrowing and evidence of the costs or project being funded. Sector-specific details also help lenders understand the requirement.
Explore other sectors
Find finance information for UK businesses across construction, property, retail, manufacturing, hospitality, healthcare, transport and agriculture.
Ready to discuss your next move?
Start with the business outcome you want. We’ll help you understand the funding routes that may fit.