Commercial Vehicle Finance for Wholesalers
Wholesale and distribution businesses depend on reliable delivery vehicles to serve customers. Whether you operate a single van or a fleet of HGVs, vehicle finance lets you maintain a modern, fuel-efficient fleet with predictable monthly costs.
For wholesalers with regular delivery routes, contract hire (which includes maintenance) provides complete fleet cost certainty. Hire purchase is better if you prefer ownership and want to claim capital allowances.
Key Benefits
- Predictable monthly costs for delivery fleet management
- Contract hire includes maintenance for total cost certainty
- Upgrade to fuel-efficient vehicles and reduce running costs
- Fleet agreements simplify multi-vehicle management
Frequently Asked Questions
Should I choose contract hire or hire purchase?
Contract hire includes maintenance and returns the vehicle at the end — ideal for fleet managers wanting predictable costs. Hire purchase gives ownership and AIA benefits — better if you run vehicles for their full life.
Can I add refrigeration units?
Yes. Refrigerated vehicles (including the chiller/freezer unit) can be financed as a single package. This is common for food and drink wholesalers.
What about delivery e-bikes or cargo bikes?
Electric cargo bikes for last-mile delivery are increasingly popular and can be financed. Some councils offer grants for e-cargo bikes that reduce the finance requirement.
What happens at the end of the term?
With hire purchase, you own the vehicle (after an option-to-purchase payment). With a lease, you return it or negotiate a purchase at residual value. With contract hire, you hand it back and order the replacement.
Related Funding Options
Invoice Finance for Wholesalers
Fund stock purchases and bridge payment gaps with invoice finance for UK wholesale businesses. Release cash from B2B invoices within 24 hours.
Stock Finance for Wholesalers
Fund warehouse stock and bulk purchases. Stock finance for UK wholesale and distribution businesses.
Unsecured Business Loans for Wholesalers
Stock purchasing and growth funding for UK wholesale businesses. No property security required. Fast decisions.
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Learn About Our Broker NetworkCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.