Dodge Ram Finance – For a new Ltd company.

Asset Financed: Dodge Ram TRX (Towing Capacity: 4.5T)
Sector: Commercial Transport & Heavy-Duty Vehicle Leasing
Client: Newly Registered UK Business with Specialist Towing Requirements
Facility Type: Asset Finance with Government Growth Scheme Support

Overview

At Sorbus Finance, we pride ourselves on helping businesses access the assets they need—no matter how niche or complex the requirement. In this case study, we supported a recently established UK company in acquiring a high-spec Dodge Ram TRX with an enhanced towing capacity of 4.5 tonnes—well above the standard commercial vehicle limit of 3.5 tonnes. With a purchase value of £110,000 and additional registration challenges, this was far from a typical asset finance deal.

The Client’s Challenge: High-Spec Asset with High Barriers to Entry

Our client approached us with a specific requirement: to finance the import of a Dodge Ram TRX, a premium American pickup with a towing capacity beyond what most UK vehicles offer. The need was clear—this truck was essential for operations on private land, where standard towing limitations did not apply.

However, several challenges stood in the way:

New UK Business Entity: With limited trading history and no prior UK-based borrowing track record, most lenders viewed the business as high risk.
Non-Standard Asset: As a high-value, specialist import, the Dodge Ram TRX falls outside the remit of many conventional asset finance providers.
Perceived Depreciation Risk: Lenders unfamiliar with the vehicle were concerned about future resale values and liquidity.
Justification of Use Case: Given the high price point, a clear and commercially viable justification for the vehicle’s use was essential to secure funding.

How Sorbus Finance Responded

At Sorbus Finance, we thrive on building funding solutions around the client—not forcing the client to fit into rigid lending criteria. In this instance, our tailored approach made all the difference.

1. Understanding the Operational Need

First, we worked closely with the client to develop a clear, detailed business case for the vehicle. This included:

The nature of work requiring enhanced towing capacity
The limitations of locally available vehicles
The operational inefficiencies and potential business loss if the asset could not be acquired

By articulating the asset’s direct link to revenue generation and operational effectiveness, we built lender confidence.

2. Leveraging Government Support Schemes

Recognising that the business was newly registered in the UK, we explored funding options that support growth-stage companies. By utilising the Government Growth Scheme, we were able to:

Mitigate lender risk through government-backed security
Unlock a more competitive rate on the asset finance facility
Position the funding as an investment in long-term operational growth

3. Collaborating with the Supplier

We engaged directly with the vehicle supplier, ensuring that all import logistics, asset valuations, and documentation were robust. This removed uncertainty around asset delivery and compliance, providing the lender with added reassurance.

Results: High-Value Asset Secured, Business Ready to Scale

Thanks to our hands-on approach and ability to think beyond traditional lending constraints, the client was able to:

Secure Full Funding for the £110,000 Asset: Despite being a new business, our structured proposal led to full approval.
Access the Right Vehicle for the Job: With the Dodge Ram TRX now in operation, the client can complete work efficiently and safely, meeting unique towing requirements.
Lay a Foundation for Future Financing: The successful delivery of this deal has strengthened the client’s profile with lenders, opening doors for future growth and investment.

The Bigger Picture: Financing Specialist Commercial Vehicles in the UK

This case illustrates a common roadblock for UK SMEs: accessing finance for non-standard or high-value commercial vehicles, especially when newly established. Traditional lenders often lack the flexibility or sector understanding to support these kinds of purchases.

At Sorbus Finance, we fill that gap—whether it’s a specialist tow vehicle, imported asset, or unique operational requirement, we have the experience and network to deliver tailored funding solutions that work.

Partner With Sorbus Finance

Need to fund an unusual or high-spec asset for your business? Whether you’re a start-up, a scale-up, or managing complex operational needs, Sorbus Finance offers the strategic support and lender access to help you move forward with confidence.

Contact us today to explore bespoke commercial vehicle finance options designed around your business—not the other way around.

Tagged Asset Finance