Part of: Van Finance
The library
Van finance guides
Each guide answers one question properly. Start with the one closest to the decision in front of you.
- An enquiry, not an application
- New and used vans
- Ownership and VAT explained
These guides are grouped by what you are trying to decide. None of them quote rates, because rates depend on your circumstances and the lender. Each one explains how the finance works, what lenders look at and where people go wrong.
Find the guide for your decision
Your business
How your structure and trading history shape the lenders available.
Choosing a structure
Ownership, balloons and what happens at the end.
Cash flow, VAT and tax
Upfront VAT, releasing capital and general tax treatment.
Questions we are asked
Do these guides quote rates?
No. Rates depend on your business, the van and the lender, so we explain how the finance works instead.
Are these guides tax advice?
No. They are general information. Your accountant confirms how tax and VAT apply to you.
Related van finance guides
The starting point
This page is general information, not tax, accounting or legal advice. Tax and VAT treatment depends on your circumstances and can change. Speak to your accountant before choosing a structure. Finance is subject to status and lender approval.
Who you are dealing with
A broker, regulated, and clear about it
Sorbus Finance Limited is an appointed representative of Moorgate Finance Limited, which is authorised and regulated by the Financial Conduct Authority (firm reference number 662419). We are a credit broker, not a lender.
We work with a panel of lenders that includes high street banks, specialist asset finance lenders and manufacturer linked finance houses. Each has its own criteria, so part of our work is matching your business to the lenders likely to say yes, rather than applying everywhere.
Not all commercial finance activities or agreements are regulated by the Financial Conduct Authority. Regulatory protections depend on the activity, agreement and customer circumstances.