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Fast and flexible credit line solutions

LCV Finance

Our finance solutions have been helping our customers drive happily for over 30 years

Big or small, help your customers balance the load with our finance options.

Quick and easy process

We know that speed is important to commercial vehicle buyers, so our process is quick and easy – our finance decisions are made in minutes, meaning your customers can feel comfortable knowing they will be on the road as soon as possible.

We know LCV buying customers

Where independent financial background data isn't always available for sole traders, partnerships and public and private companies, we have extensive experience of underwriting motor finance solutions to LCV buying customers, and take into account a number of factors relating to the proposal. 

Supporting small businesses and start-ups is what we do best

One of our key areas of finance is LCV. We understand the priority of an LCV driver which is why we offer:

HP and Conditional Sale

Hire purchase (HP) and conditional sale (CS)

Maximum age of 10 years

LCVs up to 10 years old at the end of the agreement. Up to 15 years considered, only where the asset and deal terms support (i.e. low mileage, shorter terms, higher deposit etc).

Minimum advance of £1000

Minimum advance of £1000

Term – 12-60 months

Term – 12-60 months

LTV up to 120%

LTV up to 120% (subject to conditions)

Mileage – up to 130,000

Mileage – up to 130,000 (subject to conditions)

Weight – up to 3.5t

Weight – up to 3.5t

Balloon payments available

Balloons available on the following selected lifestyle vehicles* Nissan Navara, Mitsubishi L200, Ford Ranger, Toyota Hi-Lux, Volkswagen Amarok, Isuzu D Max

*For a private individual and where the vehicle is to be used for private use only

Customer benefits

Customer benefits

From claiming back VAT, to owning the vehicle at term end, there are lots of benefits to your customers choosing to finance an LCV with Close Brothers Motor Finance:

A simple finance option

Secured against vehicle

Low initial outlay

VAT registered customers can claim back their VAT on any LCV purchase (a minimum 20% VAT deposit is required)

Customers can repay the total cost of the vehicle over the term of the agreement in fixed monthly repayments, so they know how much money is coming out of their account each month

Additional overpayments can be made to reduce the overall amount of interest a customer pays

Vehicle costs are 100% tax deductible on HP and CS agreements

Caravans and Motorhomes

Caravans and Motorhomes**

We’re also proud to support a diverse market so we finance everything from pickup trucks and mini vans to commercial, luxury and customised vehicles meaning we can offer:

5 years

New - 5 years, 10% deposit. 120 month max term

5 - 7 years

5 - 7 years, 10% deposit. 84 months max term

7 years +

7 years +, 10% deposit. 60 months max term

**Not statics or LCV camper conversions