The UK’s ‘Can-Do’ Commercial HGV Finance Company

Unexpected breakdowns, drivers calling in sick, and trailers that urgently need to be replaced are all part of running a haulage business. When these problems can’t wait until next quarter, your finance shouldn’t have to either. That’s why we’re an HGV finance company built around fleets, not spreadsheets; here to arrange funding for operators that other lenders might find too complicated or risky.

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Specialists in Commercial Haulage Finance

Haulage runs on tight margins and even tighter schedules, and traditional lenders rarely factor either into their decisions. We take a different view: fuel price swings, seasonal freight dips, and the cost of keeping a fleet compliant are normal trading conditions, not red flags. That’s what separates a specialist HGV finance company like Mills Commercial Finance from a generic business lender, and it’s why businesses keep coming back to us — for haulage finance that actually fits how they operate.

1.

We “Get” Downtime & Compliance Risk

A vehicle off the road doesn’t stop fixed costs mounting. We’ve arranged haulage finance around unplanned downtime often enough to know it shouldn’t dictate whether you get approved.

2.

Funding That Matches Your Fleet

Whether it’s a single rigid truck or a rapidly growing trailer fleet, we work with lenders who price HGVs on residual value and route earnings, not just factors like age and mileage.

3.

Smoothing Out Fuel and Payroll

Diesel prices change on a weekly basis. Even so, your drivers still need paying on time regardless. We’re an HGV finance company that arranges working capital to keep pace with reality.

4.

Unrivalled Haulage Sector Knowledge

From O-licence renewals to Driver CPC deadlines and DVSA inspections, we already know the compliance calendar hauliers work around. We’ve got the inside track on a complex industry.

“We’re in the construction business and in this industry, things can get tight at times. That’s why we spoke to the girls. They were really professional, very encouraging and kept me calm. They were always at the end of the phone or text message and they always replied back very promptly.”
Concrete Supplier, Northamptonshire
“I would absolutely recommend your services to other businesses. The professionalism and expertise of your team were invaluable in helping me achieve my goals.”
Maintenance Business, Wolverhampton
“Just wanted to say that recently we used Mills Commercial Finance – Samantha Elsby-Colton in particular – to check out some finance for our small company and she couldn’t have been more helpful in ensuring we got the right information.”
Hairdressers, London
“I do not generally send reviews as I rarely feel that my expectations have been met – never mind exceeded! On this occasion I am more than prepared to put in writing that you have exceeded my expectations by a country mile!!”
Joinery Business, Leeds
“Mills were excellent from start to finish in terms of communication and identifying the right package for the business. I would thoroughly recommend to anybody looking for funding.”
Retailer, Manchester

How We can Help

From day cab replacements to seasonal fuel spikes, running an HGV fleet throws up funding needs that don’t always fit neat boxes. As an HGV finance company working exclusively across transport, here’s the full range we can arrange for hauliers to keep freight moving.

Loans

Whether you’re growing the fleet or covering a cash flow gap, we arrange secured loans with repayment terms built around haulage contract cycles, not a one-size-fits-all schedule.

ASSET FINANCE

Tractor units, trailers, tail lifts, refrigerated bodies…we fund all the kit your routes actually demand, with hire, purchase, and lease options built for unpredictable seasonal freight swings.

Bridging Loans

Need to move fast on a depot purchase or plug a worrying gap between contracts? Bridging finance gets funds in place quickly, without potentially damaging delays.

Overdrafts

Fuel bills don’t wait for invoices to clear. An overdraft facility gives you breathing room for the late-paying clients, seasonal freight dips, and the repair bill you didn’t budget for.

Fuel Cards

Want one invoice instead of a dozen receipts? Maybe you’re after preferential pump rates or fleet-wide spend tracking? Fuel cards keep costs under control without eating into your working capital.

Invoice Finance

Waiting 30, 60, or even 90 days to get paid shouldn’t stop you taking on the next job. We can help you release cash that’s tied up in unpaid invoices as soon as they’re issued.

About Mills Commercial Finance

Business overdrafts should flex with your actual trading patterns, not just fit a generic template. Seasonal peaks, contract-based revenue, or rapid growth creating gaps…if your cash flow doesn’t follow neat monthly cycles, standard high-street criteria may not work for you. Manchester-based but operating nationwide, we match you with lenders who assess your business fundamentals.

FAQs

Yes, used tractor units and trailers are financed just as readily as new, provided the age and mileage stack up. A specialist HGV finance company assesses the asset’s earning potential over its remaining working life, not simply its logbook date.

A limited trading history is common for newly licensed operators, and it doesn’t rule out funding on its own. We present the fundamentals — contracts secured, driver arrangements, projected mileage — properly to lenders who will focus on viability rather than time trading.

It varies. Things like asset finance or a fuel card can often be arranged within days. Haulage finance facilities involving working capital or invoice finance typically take 1-3 weeks, and larger fleet funding takes a bit longer to structure properly.