Citroen Dispatch
Introduction
In today’s competitive market, growing businesses need the right vehicles to keep up with demand. For an electrical wholesaler, reliable vans are more than just transport—they’re essential tools for daily operations. But purchasing vans outright can strain cash flow and limit growth. That’s where van finance proves to be a game-changer, providing flexibility, affordability, and speed.
This case study shows how we helped a fast-growing electrical wholesaler secure two Citroën Relay vans with a VAT-only deposit Hire Purchase agreement over 48 months. By working with two separate dealers, we sourced both vehicles at discounted prices and arranged finance with a tier 1 lender. The entire deal was paid out within just five working hours after the customer submitted their documents—highlighting the power of the right finance broker.
The Customer
Our client, a growing electrical wholesaler, needed to expand their fleet quickly to keep pace with increasing customer demand. They identified the Citroën Relay as the ideal van to support deliveries and day-to-day logistics.
Their main priorities were:
- Securing two vans at competitive prices.
- Keeping upfront costs as low as possible.
- Ensuring affordable monthly repayments.
- Completing the purchase quickly to avoid operational delays.
The Challenge
While the wholesaler knew exactly which vans they needed, the challenge was twofold:
- Managing upfront costs – Paying outright for two vans would have tied up too much working capital.
- Finding competitive prices – Purchasing both vehicles from a single dealer risked paying a premium.
They needed a van finance solution that would keep payments affordable while also helping them get the best possible deal on both vehicles.
Our Solution
As a specialist in van finance, we stepped in to deliver a tailored solution. Leveraging our relationships with tier 1 lenders, we secured a VAT-only deposit structure over 48 months on Hire Purchase (HP) for both vans.
Key elements of the solution included:
- VAT-only deposit – Keeping upfront costs low.
- 48-month HP agreement – Spreading repayments into affordable monthly instalments.
- Ownership at the end – The client would own both Citroën Relay vans outright once the agreement ended.
Crucially, we worked with two separate dealers to source each van. By doing so, we negotiated discounted prices on both vehicles, ensuring the wholesaler got maximum value as well as flexible funding.
The process was also extremely efficient. The deal was fully finalised and both vans were paid out within just five working hours of the client submitting their documents.
The Result
The electrical wholesaler successfully added two Citroën Relay vans to their fleet using a smart, broker-led van finance package. This approach not only gave them the vehicles they needed but also ensured the most cost-effective structure possible.
Key results included:
- Discounted purchase prices – By sourcing from two separate dealers.
- Low upfront cost – VAT-only deposit preserved cash flow.
- Fast turnaround – Both deals paid out within five hours.
- Future asset ownership – The vans will become valuable business assets at the end of the 48-month term.
- Business confidence – Predictable repayments supported growth without financial strain.
Why It Worked
This case worked because of three key factors:
- Access to tier 1 lenders – Ensuring the most competitive van finance terms.
- Strategic sourcing – Buying from two separate dealers allowed us to secure discounted prices.
- Fast process – Payout in just five working hours kept the client on schedule.
Conclusion
For businesses reliant on transport, van finance offers the flexibility to expand without tying up capital. In this case, our client needed two Citroën Relay vans to strengthen their operations. By structuring a VAT-only deposit Hire Purchase agreement with a tier 1 lender, and sourcing the vehicles from separate dealers at discounted prices, we delivered a solution that was fast, affordable, and tailored to their growth strategy.
The entire process—from application to payout—took less than a working day, proving that with the right broker, van finance isn’t just about funding a vehicle, it’s about securing value, speed, and confidence for the future.
If your business is looking to expand its fleet, a smart van finance solution could put you behind the wheel faster than you think, at great rates, contact us here, to get started.
Wanting to understand how using a Sorbus Finance a finance brokerage is an advantage to SME in underscoring both statistical support and industry relevance, have a further read here.