Keep Your Haulage Fleet Moving with Fast Funding
Fleet expansion, fuel costs and broker payment delays shouldn't stop your lorries. Get funding structured for the realities of UK haulage and logistics.
- ✓ Soft search only — no impact on your credit score
- ✓ Money in your account in about 24 hours
- ✓ Compare lenders with one application
2,400+ businesses fundedNo upfront fees • Free quote in minutesTwo banks told me to come back next year. These guys had the money in my account by Thursday.
Nobody ran a hard search, nobody played games. The offer they showed me is the offer I got.
Bought a second van right before our busy season. It paid for itself in two months.
How much would actually help?
We build around your business.
No collateral required
We fund the business on its revenue — not your possessions.
Pay when you can
Repayment follows your actual sales — strong months pay more, slow months ease up.
Funded fast
Most owners see offers the same day and money within ~24 hours of signing.
Haulage & Transport Funding
Haulage and transport companies operate in a cash-flow environment that traditional lenders fundamentally misunderstand. Freight brokers and shippers pay on Net-30 to Net-60 terms, but fuel, driver pay, insurance, and maintenance costs are immediate. A single lorry can burn through £4,000–£8,000 per week in operating costs before a load payment arrives. Multiply that across a fleet, and the cash-flow gap becomes the single biggest constraint on growth.
Granton Hale Capital works with owner-drivers, small fleet owners, and mid-size carriers who need capital that matches the rhythm of transport logistics. We evaluate your business based on load history, lane consistency, broker relationships, and revenue per vehicle — not just your credit score or years in business. Whether you're running 2 lorries or 200, we structure funding around the way your cash actually flows, and checking your options is a soft search with no impact on your credit score.
Our haulage clients use funding for everything from adding tractor units and trailers to their fleet, covering fuel costs during high-diesel-price periods, managing insurance premium increases, and bridging the gap between proof of delivery and broker payment. We also offer invoice factoring designed specifically for freight receivables — available to most active UK limited companies, with no personal guarantee on the majority of deals.
The funding gaps we close.
Broker and Shipper Payment Delays
Net-30 to Net-60 payment terms from freight brokers and shippers mean you're financing fuel, driver pay, and maintenance for weeks before receiving revenue. Disputed loads and POD paperwork delays extend the wait further.
Fuel Cost Volatility
Diesel prices fluctuate dramatically and represent 25–35% of operating costs. A 10p-per-litre increase across a fleet can add tens of thousands in monthly expenses that fuel surcharges don't fully cover.
Fleet Maintenance and Replacement
DVSA compliance, preventive maintenance, tyre replacement, and unexpected breakdowns create constant capital demands. A single engine overhaul can cost £12K–£25K, sidelining a revenue-generating asset.
Insurance Premium Increases
Commercial HGV insurance premiums have risen 30–50% across the industry in recent years. Annual premiums of £8K–£16K per vehicle create a massive upfront cost that must be paid regardless of revenue timing.
Funding built for your work.
Finance new and used tractor units, trailers, and fleet vehicles with terms matched to the asset's useful life and your revenue capacity.
Cover fuel, driver pay, insurance, and maintenance costs between load payments without depleting operating reserves.
Convert completed-load invoices into same-day cash. Factor individual loads or your entire sales ledger — you choose which invoices to factor.
Maintain a revolving credit facility for variable operating expenses like fuel purchases, emergency repairs, and insurance premium payments.
Your funding in three steps
Apply online
- 60-second form, plain questions
- Soft search only — no score impact
- Bank-level encryption
Compare real offers
- Every option, side by side
- Same-day decisions
- Free to look — no obligation
Get funded
- Funded within ~24 hours
- No hidden fees, ever
- Built around your needs
What owners do with it.
Finance new or used HGVs, rigid lorries, or specialist vehicles to take on more loads and expand into new lanes.
Access working capital to absorb diesel price increases without turning down loads or reducing fleet utilisation.
Factor freight invoices to receive payment within 24 hours of proof of delivery instead of waiting 30–60 days.
Spread annual insurance premiums and DVSA / Operator Licence compliance costs across the year instead of paying lump sums that drain operating capital.
Owners just like you — funded.
Real businesses, real outcomes. Names and details changed for privacy — the numbers are typical of funded files.
Fair questions, straight answers.
01Do you work with owner-drivers or only larger fleets?+
We work with owner-drivers running a single lorry all the way up to mid-size carriers with 200+ vehicles. Our minimum requirements are 6 months of trading history and £12K in monthly revenue. Many of our best client relationships started with a single-vehicle operator who grew their fleet with our support.
02How does freight invoice factoring work?+
After you deliver a load, you submit the proof of delivery and invoice to us. We advance 90–97% of the invoice value within 24 hours. When the broker or shipper pays, we remit the remaining balance minus a small factoring fee (typically 1–3%). You choose which invoices to factor — there's no requirement to factor every load.
03Can I finance used lorries and trailers?+
Yes. We finance both new and used commercial vehicles. For used lorries, we evaluate mileage, maintenance history, and remaining useful life. We commonly finance vehicles with up to 500,000 miles if they've been well-maintained and have a documented service history.
04What documentation do I need to apply for haulage funding?+
For most products we need 3 months of bank statements, your Operator's Licence (O-Licence) details, a current insurance schedule, and a list of active brokers/shippers. Asset finance also requires details on the specific vehicle you want to purchase. Checking your options is a soft search with no impact on your credit score, most deals need no personal guarantee, and the whole application takes about 5 minutes.
See your numbers first. Then decide.
- ✓ Pre-qualify in 60 seconds
- ✓ No obligation, no pressure calls
- ✓ Real people behind every file — 100% online