Van finance experts who can negotiate the best deal for you

Asset finance allows businesses and individuals to acquire and use assets, such as equipment, machinery, vehicles, or real estate, without paying the full cost upfront.

It is a common method for businesses to obtain the necessary assets for their operations without tying up a significant amount of capital. 

There are several different types of asset finance, and the structure of your loan will depend on the type of asset finance that you opt for.

However, you will typically pay a regular amount over pre-arranged period to use the asset, which can make the overall cost more manageable.

When looking to acquire a van for your business, you have several finance and leasing options to consider.

Here are some of the most common:

• Hire Purchase (HP): Spread payments over an agreed period. Once all payments are made, you own the van. Monthly costs are fixed
• Personal Contract Purchase (PCP): Lower monthly payments over 1-4 years. At the end, return the van, use equity to purchase, or refinance any amount still owed
• Business Contract Hire: Make fixed monthly payments with no ownership. At the end, simply hand back the van keys. Mileage limits often apply
• Finance Lease: Pay fixed monthly amounts for use of the van. You're responsible for maintenance and repairs. No ownership until all payments are finished
• Sale and Leaseback: Sell a van you already own, then lease it back. Access cash now while still using the vehicle

At Clifton Private Finance, our team of experienced finance brokers can help you find the most suitable van finance solution for your business.

At the end of a van finance agreement, you'll usually have these options:

• Return the van keys with no further costs
• Use any equity to get a new van on fresh finance terms
• Pay the residual value to purchase the van outright

Review business needs and van condition to decide the best end-of-term choice. Discuss requirements with your finance provider early on.

The right van model, acquired strategically through the optimal finance solution, can be a game changer for your business. With an understanding of the options and expert support, you can secure an essential vehicle while maintaining financial flexibility.

Finding the best deal for van finance and leasing can be daunting, especially if you are unfamiliar with the different options, terms, and conditions. That’s why using a finance broker can help you get the best deal and the most suitable option for your purchase.

At Clifton Private Finance, we can help you: 

• Compare different lenders and products: Finance brokers can access a wide range of lenders and products and find the ones that suit your needs and preferences. We'll help negotiate better rates and terms on your behalf, saving you time and money.
• Advise you on the best option: We can explain the pros and cons of each option and help you make an informed decision. We can also answer any questions you might have and guide you through the application process.
• Handle the paperwork and administration: We'll also handle the paperwork and administration involved in securing your van finance or leasing. We liaise with lenders, dealers, and insurers and ensure a smooth and hassle-free transaction.

At Clifton Private Finance, we are a leading finance broker in the UK, specialising in asset backed finance. We have access to multiple asset finance lenders and always compare the best options to offer you bespoke finance solutions that suit your needs and budget.

We are financial experts, specialising in sourcing asset finance for business purposes across the UK.

We can help you:

• Understand what kind of loans you're eligible for and how much you can borrow.

• Feel comfortable with how the process works and explain any costs.

On your behalf, we will:

• Compare rates across the entire market (from private lenders to high street banks)

• Negotiate the best deal for your circumstances

• Guide you through the application process

• Make sure your application is completed as smoothly and stress-free as possible