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Refrigerated Van Finance
5.0
Written by James Dutton
James is Head of Asset Finance in our funding division. He specialises in arranging finance for assets across a range of sectors, as well as experience in completing finance agreements for assets coming from abroad. James has more than 30 years of experience in the finance sector, providing him with the necessary expertise to arrange finance for businesses requiring finance facilities across the UK.
Finance your refrigerated van
Refrigerated vans ensure that food, pharmaceuticals, and perishable goods can move safely from collection to delivery.
Whether you’re running a single vehicle or scaling up a chilled distribution fleet, the capital outlay can be significant. That’s where our specialist asset finance team can help, arranging funding that works around your business rather than against it, ensuring your business can secure the new or used refrigerated van it requires.
We work with a broad panel of lenders experienced in commercial vehicle finance, and can structure agreements across hire purchase, finance lease, or unsecured business loans, depending on what suits your cashflow and ownership requirements.
We can also arrange finance for other commercial vehicles, including Luton vans and recovery trucks.
What is Refrigerated Van Finance?
Refrigerated vans are a critical asset for any business that handles perishable goods. Whether you are running deliveries for a food producer, managing a pharmaceutical distribution operation, or supplying fresh produce to hospitality venues, the reliability and efficiency of your vehicles is crucial.
Refrigerated van finance allows businesses to acquire this specialist equipment through a structured finance agreement. At UK Business Finance, we can arrange finance for the purchase of new or used refrigerated vans, set up a refinance arrangement against vehicles you already own, and put in place repayment terms that reflect the specific demands of your business.
We can walk you through the options so that the arrangement you choose fits your operation without putting unnecessary pressure on your cash position.
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With full market access and absolutely no ties to any lender, we can objectively match you with the most effective and cost-efficient source of business finance. Contact our team today!
Benefits of Refrigerated Van Finance
Protect your cash reserves: Refrigerated vans can carry a significant price, with purchasing one outright potentially putting pressure on the working capital your business relies on day to day. A finance agreement distributes that expenditure across a series of regular monthly repayments, so your cash remains available for fuel costs, driver wages, stock purchases, and other ongoing commitments throughout the term, while still being able to purchase a new or used refrigerated van.
Release value from existing vehicles: Businesses that already own valuable assets outright have the option of using asset refinance to draw capital from this equipment. The asset is sold to the funder and leased back, meaning your operations can continue without interruption. The lump sum you receive can be put to work across the business, and once the agreement concludes, full ownership of the vehicle returns to you.
Consistent repayments: Finance agreements are structured around fixed monthly amounts agreed at the outset, giving you a clear picture of what you owe and when. That consistency makes it easier to budget accurately and plan your outgoings confidently.
Keep your fleet compliant and current: Food safety legislation and pharmaceutical handling requirements mean that the condition and specification of your refrigerated vehicles can have direct compliance implications. Finance gives businesses a practical route to replacing older vehicles or upgrading to units with better temperature management and monitoring capabilities, without having to wait until sufficient cash is available to fund the purchase outright.
Repayment terms tailored to your operation: The terms of the agreement can be designed in a way that ensures the repayment amount is one that sits comfortably within your cash flow. This means the agreement works with your business rather than against it, whether you run a compact local delivery operation or a larger regional fleet.
How we helped a vehicle hire business expand its refrigerated fleet
A vehicle hire company approached UK Business Finance to add five new refrigerated vans to its fleet, ensuring it could meet growing demand from its clients.
Drawing on our panel of specialist funders, we arranged a £205,000 hire purchase agreement structured over 54 months, with a VAT-only deposit to protect the company’s working capital from day one.
The result was a manageable monthly commitment that allowed the business to grow its capacity immediately, without placing unnecessary strain on cashflow. The client was extremely satisfied with both the terms and the speed of the process.
Apply for refrigerated vehicle finance
UK Business Finance is a finance broker with established relationships across a diverse panel of lenders, enabling us to structure funding that reflects the specific needs of businesses who require new or used refrigerated vans.
What we offer:
- Get a free quote in 60 seconds
- An extensive lender panel focused on finding you the strongest possible terms
- Our team prepares and submits your application directly to funders
- Finance specialists with large amounts of experience
To explore your refrigerated vehicle finance options, speak directly with our expert team today.
Secure your free quote today!
Our team of finance experts can provide industry-leading advice on finance options to suit a range of different scenarios. Call the team on 0808 301 0624 or Contact Us
What finance can be used for refrigerated van finance?
Businesses that rely on refrigerated vans can access a range of finance options to help manage the cost of acquisition. Hire purchase and finance leases both provide a way to spread repayments across a set term, while asset refinance can generate capital from vehicles already in use. Unsecured loans offer flexibility for businesses with requirements that extend beyond individual vehicle purchases.
UK Business Finance can help food, pharmaceutical, and logistics businesses find the right refrigerated van finance solution for their needs. Our team will work through the options with you and manage the process from start to finish.
| Asset Finance | Asset Refinance | Finance Lease | Unsecured Loans | |
|---|---|---|---|---|
Typical term length | Medium Term | Medium Term | Medium Term | Short Term |
Flexibility | Medium | Medium | Medium | High |
Deposit required? | Yes | Yes | Yes | No |
Purpose | Purchase assets | Raise capital for multiple ventures | Lease assets | Multiple business needs |
How do we work?
1. Get a Customised Quote
When you reach out to us, we will likely request that you provide the following information. Your latest set of accounts, previous 6 months’ banks statements and director’s personal details.
2. Compare Options
Once the information from step 1 has been confirmed, we will reach out to our extensive panel of funders, who under normal circumstances, respond with an answer in 48 hours. After this, Know Your Customer (KYC) and identification checks will take place for the business and its directors.
3. Finalise the agreement
As soon as you agree to move forward with the terms and conditions, you will receive the relevant documents for you to sign and then return. After the final checks have been completed, the funds will be released. The time taken to release the funding varies depending on the funder, ranging from 24 to 72 hours.
Why does your business need refrigerated van finance?
Maintaining a reliable refrigerated fleet is a operational necessity for businesses where temperature-controlled transport is central to what they do. Acquiring or replacing vehicles at the right time, without disrupting cash flow, is a challenge the right finance solution can help address.
- Maintain a high standard operation
- Spread the cost of specialist equipment
- Keep cash free for operational costs
- Repayment terms built around your business
- Add vehicles to an existing fleet
- Refinance owned refrigerated vehicles
- Upgrade to newer models
- Meet growing delivery demand
Why Choose UK Business Finance
100% Independent Broker
We're not tied to any lender. With access to 90+ finance providers, we match you with the most suitable funding solution, not the one that pays us the best commission.
Callback Within 30 Minutes
From the moment you contact us, we commit to responding within 30 minutes. When your business needs funding fast, every hour counts.
Nationwide Coverage, Local Expertise
With 8 regional offices and 100+ supporting locations across the UK, you'll work with a finance specialist who understands your local market.
Refrigerated Van Finance FAQs
Can I finance a fleet of refrigerated vans rather than a single vehicle?
Yes, we regularly arrange multi-vehicle agreements for businesses looking to expand or refresh their chilled fleet in one transaction. Consolidating multiple vehicles into a single finance agreement can simplify your repayment structure and may improve the terms available to you.
Can I finance a used refrigerated van?
Yes. Finance is available for both new and used refrigerated vans. Lenders will typically consider the age, condition, mileage, and current market value of the vehicle, so it’s worth having a clear picture of the asset before you apply. We work with lenders who are comfortable financing quality used commercial vehicles.
What types of refrigerated vans can I finance?
We can arrange finance for a wide range of refrigerated vehicles, from small transit-sized vans through to larger Luton and curtainsided configurations. Both new and used vehicles are eligible, covering single-temperature and multi-temperature units from leading manufacturers including Volkswagen, Mercedes-Benz, Ford, Renault, and Isuzu.
Can the refrigeration unit be included in the finance agreement?
In most cases, yes. The refrigeration body and unit can typically be financed as part of the overall vehicle agreement rather than separately. If you’re also looking at specialist fittings such as multi-temperature compartments or tail lifts, let us know and we’ll explore how best to structure the deal.
How quickly can finance be arranged for refrigerated vans?
Timescales vary depending on the lender and the complexity of the application, but for straightforward commercial vehicle deals we can often move quickly once we have the necessary information. If speed is a priority, let us know when you get in touch and we’ll do everything we can to progress your application without delay.
What finance options are available for refrigerated vans?
Hire purchase is a popular option for refrigerated vans as it allows you to spread the cost over a fixed term and own the vehicle outright at the end. Finance leases are also available if you’d prefer to preserve working capital without committing to ownership. We’ll help you identify the structure that best fits your business model and cashflow.
