Commercial fleet finance funds a group of business vehicles under one arrangement, typically 3 to 20 utes, vans and light trucks. LDM Finance structures repayments around your uptime and replacement cycles, then places one application across its lender panel to find the right fit for your cashflow.
Why finance a fleet as one arrangement
✓One application assessed across the whole lender panel, not five separate deals
✓Repayments structured around your uptime and replacement cycles
✓Working capital kept free for wages, fuel and job materials
✓Room to add vehicles as the fleet grows, subject to approval
Indicative only, five-year term, zero deposit, at a representative rate of 12.95% p.a. Figures scale with the number and price of vehicles. Not an offer of finance.
Fleet finance questions
There is no fixed rule, but fleet finance typically suits businesses running 3 to 20 vehicles. Below that, individual vehicle finance is usually simpler. Above it, we can still structure the finance across the panel. The right approach depends on your replacement cycle and how you want to manage cashflow.
Yes. A fleet often mixes utes, vans and light trucks, and sometimes machinery. We structure the finance around the assets and how the business trades, then place it with a suitable lender on the panel. Different asset types can sit within one arrangement, subject to approval.
Not always. Several lenders on the LDM panel offer zero deposit finance, where the loan covers the full purchase price. A deposit lowers repayments and total interest, but keeping capital free is often the better call for a working fleet. We model both so you can decide.
Structuring repayments around a known term makes vehicle replacement predictable. You can align the end of a finance term with the point a vehicle is due for renewal, so the fleet refreshes on a planned cycle rather than through unplanned capital spend. We build the structure around that cycle.
LDM Finance works with a panel of lenders and is not a lender. Approvals are subject to responsible lending inquiries. Each lender's eligibility criteria, fees, terms and conditions apply. All figures are indicative only, at a representative rate of 12.95% per annum, and do not constitute an offer of finance. Finance wording follows UDC Finance's standard guidance and remains subject to UDC marketing review.
