Cars
Company cars, executive and prestige cars, fleet cars, EVs and hybrids
BMW, Mercedes-Benz, Audi, Tesla, Volvo, Toyota
VEHICLE FINANCE FOR COMPANY BUYERS
The right vehicle won’t wait.Neither should your finance.
Ex-fleet vans, trucks and company cars sell in minutes. Get your finance pre-approved and you can bid, or shake hands with a dealer, with a clearer view of your proposed budget and the lender’s conditions.
Buying at auction, in the hall or online
Understand your proposed budget before the first lot. Check the lender’s conditions and the auctioneer’s payment deadline before bidding.
Buying from a dealer or direct from a fleet
Seek pre-approval before negotiating for one van or a fleet, and check what the lender still needs before funds can be released.
- For company buyers
- New or used
- No broker fee
- No obligation
Pre-approval sets out a proposed budget, not guaranteed funding. Finance remains subject to the asset, your business and the lender’s final approval and conditions.
Vehicles we finance
If it’s on the road and earning for your company, we can usually finance it. One vehicle or a whole fleet, new or used.
Vans & light commercials
Panel vans, crew cabs, Lutons, tippers, dropsides, refrigerated vans, pickups
Ford, Mercedes-Benz, Volkswagen, Renault, Iveco, Toyota
Trucks & HGVs
Rigid trucks, tractor units, tippers, curtainsiders, specialist bodies
DAF, Scania, Volvo, Mercedes-Benz, MAN, Iveco
Trailers
Curtainsiders, flatbeds, refrigerated trailers, plant trailers, low-loaders
Schmitz Cargobull, Krone, SDC, Montracon, Ifor Williams
Minibuses, coaches & buses
Minibuses, school and community buses, coaches
Ford, Mercedes-Benz, Volvo, Alexander Dennis, Irizar
Motorhomes & campervans
Hire fleet motorhomes and campervans
Volkswagen, Auto-Trail, Swift, Bailey
Motorcycles & scooters
Courier and delivery bikes, fleet scooters
Honda, Yamaha, Piaggio, BMW Motorrad
Taxis & private hire
Black cabs and private hire vehicles
LEVC, Toyota, Mercedes-Benz, Skoda
Your budget agreed in three steps
- 1
Tell us what you’re after.
The type of vehicle, roughly what you want to spend and where you’re buying. Complete the application below with your personal, address and business financial details.
- 2
We find the lender.
We take your company’s details to the lenders on our panel and agree your limit. No chasing on your part.
- 3
Your limit, in writing.
A facility letter with your budget ceiling, in hand before the sale starts or the dealer wants a deposit.
Winning bid? Send us the invoice and the lender pays the auctioneer or dealer direct.
Already won the lot without finance in place? Send us the invoice and we'll find a lender to pay the seller, fast.
See what it could cost your company each month
Start with the asking price and term to see the deposit and an estimated monthly repayment. Then get pre-approved and turn the estimate into a real figure.
Estimate your repayments
Estimated monthly payment
over 60 months
- Amount financed
- £90,000
- Total repayable
- £117,000
- Cost of finance
- £27,000
- Equivalent APR
- 11.4%
For illustration only — not a quote or an offer of finance. Estimates assume equal monthly payments, paid in arrears, with no fees or final balloon payment. Total repayable excludes your deposit. The rate and repayments offered will depend on the asset, term, deposit and lender, and are subject to status and lender approval.
Figures are illustrative only. Your actual rate depends on the vehicle, your company and lender criteria.
Before you bid, read our guide: Buying Vehicles at Auction for Your Business: Things Worth Thinking About
VEHICLE FINANCE APPLICATION
Get your limit agreed
This is a full finance application. Have your purchase details, personal and address history, and business financial figures ready. Bank details and supporting documents are optional. No broker fee. No obligation.
Where to buy vehicles at auction in the UK
These auctioneers sell ex-fleet, ex-lease and repossessed vehicles every week, in the hall and online. Agree your limit first, then watch their catalogues.
BCA
Auction centres nationwide, plus online
Visit site — BCA (opens in a new tab)Manheim
Centres nationwide, including commercial vehicle sites at Shepshed, Gloucester and Haydock
Visit site — Manheim (opens in a new tab)Aston Barclay
Chelmsford, Prees Heath, Westbury, Donington Park and Wakefield
Visit site — Aston Barclay (opens in a new tab)Shoreham Vehicle Auctions
Shoreham-by-Sea, West Sussex
Visit site — Shoreham Vehicle Auctions (opens in a new tab)John Pye Vehicles
Auction sites across the UK; HQ Nottingham
Visit site — John Pye Vehicles (opens in a new tab)Euro Auctions
Trucks and trailers; UK sale site in Leeds
Visit site — Euro Auctions (opens in a new tab)Ritchie Bros.
Trucks and trailers; UK HQ at Maltby, South Yorkshire
Visit site — Ritchie Bros. (opens in a new tab)Hammer Ready is independent and not affiliated with the auctioneers listed. Always check each sale’s terms, buyer’s fee, VAT and collection deadline.
Vehicle finance FAQs
Who can apply?
This finance is for company buyers purchasing vehicles for business use.
What does pre-approval give me?
A facility letter setting out a proposed budget for the vehicle. This is not guaranteed funding: the lender must approve the purchase and its conditions must be met before payment.
Can you finance used and high-mileage vehicles?
Usually, yes. Lenders look at age, mileage and condition, so older vehicles may mean a shorter term or bigger deposit.
Can I buy several vehicles at once?
Yes. We can finance a group of vehicles from one sale or one fleet as a single purchase.
Does it work for online auctions and dealers?
Yes. Pre-approval works for live and online auctions, dealers and direct fleet sales.
Do I need a deposit?
Usually, yes. The calculator shows it based on the asking price. The final amount depends on the vehicle and your company.
Does the finance cover the buyer’s fee and VAT?
The auctioneer’s buyer’s fee can often be included. VAT on commercial vehicles is normally paid up front or covered by a short-term VAT loan, depending on the lender.
Auctions want payment fast. Can you keep up?
Once you’re pre-approved and we have the invoice, the lender pays the auctioneer direct, usually within the sale’s payment deadline.
Is there a fee for pre-approval?
No. We’re paid by the lender, and there’s no obligation to go ahead.
Hammer Ready is a finance broker, not a lender. Finance is available to company buyers only and is subject to status and lender criteria.