Vehicle Finance
Competitive funding solutions that keep you on the road
Whether it’s a director’s prestige car, fleet vehicle or new van, vehicle finance should make it easier to run and grow your business, not create cash flow pressure or lock you into terms you regret later. We structure funding around real-world use – mileage, replacement cycles and expansion plans – so your vehicle earns its keep from day one.
Types of vehicle finance we offer
Hire Purchase
When vehicles are relied on day to day, short-term rentals or frequent renewals can become expensive fast. Hire Purchase (HP) spreads the cost of a vehicle over fixed instalments, with ownership at the end of the term. It suits businesses that prefer long-term cost certainty over leasing contract renewals.
- Fixed repayments for easier forecasting
- No renewal pricing or end-of-term renegotiation
- Reduce your monthly cost with balloon payments
- Vehicle sits on the balance sheet
- Full control of vehicle fit-out and use
Finance Lease
Finance Lease suits businesses that need vehicles to operate but don’t want ownership tying up capital. Popular among logistics and trades companies, as well as professional services with company car fleets, you pay for use over an agreed period and avoid depreciation and resale risk.
- Keep capital available for growth and stock
- Avoid needing to sell, trade in or manage vehicle disposal
- VAT spread across repayments
- Fixed monthly repayments make forecasting easier
- Limits long-term exposure to changing emissions or vehicle standards
HP with Balloon/Residual Payments
HP with Balloon Payments lets you own a vehicle without front-loading the full cost. Monthly repayments are reduced by deferring part of the vehicle’s value to the end of the term, allowing capital to be used elsewhere before the final balance is settled, refinanced or replaced.
- Ownership without committing full capital upfront
- Lower monthly repayments
- Planned end-of-term costs are easier to forecast for
- Greater flexibility over use and modification
- Keep cash in the business during the early years of ownership
Vehicle Refinance
Own vehicles outright but need a cash injection? Vehicle Refinance turns vehicles you own into working capital by raising finance against them. It’s a way of releasing cash without selling assets, changing operations or disrupting the business.
- Improve cash flow for tax bills, delayed payments, growth spikes or one-off costs
- Maintain ownership of the vehicle
- Flexible terms to suit you
- Realign finance to match current trading conditions
- Avoid relying on overdrafts or credit cards with high interest rates
Balloon Refinance
Balloon Refinance is useful when a large end-of-term (balloon) payment is due but settling it would drain essential cash from the business. You can refinance the outstanding amount, keep vehicles in service and spread the cost over a new fixed term.
- Avoid a large one-off payment at term end
- Keep existing vehicles on the road without disruption
- Consistent repayments make forecasting easier
- No additional VAT charges
- Keep cash liquid for tax, payroll or suppliers instead of tying up in a balloon
How to apply
Whether you’re a growing start-up or listed PLC, our three-step process gives you clarity, avoids wasted time on poorly structured deals and finds the best finance for your goals. Most clients receive a funding decision within 24-48 hours.
Tell us about your business and what you’re trying to achieve.
We’ll arrange a short conversation to discuss what you’re looking to fund, timings and your commercial goals. We’ll also ask for a few documents such as supplier quote/s, latest financials, most recent bank statements and ID to start the process.
Get matched to lender(s).
We identify the best lenders to provide your finance, whether it’s one or a strategic syndicate, and you’ll typically receive the recommended structure and terms within 1-2 days. We’re on hand to answer any questions and refine the approach.
Receive your offer.
We’ll submit your application and handle everything required for approval, from lender questions to additional document submission. We’ll keep you updated throughout and, once approved, will present your offer and assist with the final paperwork so funds can be released.
Why choose Catalyst?
We’re not tied to any dealers or manufacturers – your funding will be tailored to your needs, not shaped by sales targets or rollover incentives
We don’t work standard hours – whether it’s a balloon deadline or tax time, your finance won’t stall because your broker hasn’t called you back
We increase your business’s funding potential – with 40+ lenders on our panel, we widen your funding options beyond big bank risk appetites
We understand your vehicles as operating assets, not generic equipment – mileage, utilisation, fit-out and replacement timing are reflected in how your funding is structured
We manage the process end-to-end – so you can focus on your day job
We get creative when the ask isn’t straightforward –whether it’s staged funding, specialist fit-outs or used vehicles, we problem solve to get you the best fit
FAQs
Vehicle finance often raises questions around tax, timing, ownership and end-of-term options. Below are some of the points we’re asked about most – if you still have questions, feel free to get in touch.
