Cash advances for UK van dealers.
For commercial vehicle dealers and LCV specialists. Funded against your card takings, deposits, and aftersales. Built for dealers stocking £500k of metal on a forecourt while waiting for the next fleet order.
A note on the lender panel for van dealers
Commercial vehicle dealers often have larger ticket sizes and longer sales cycles than passenger car dealers, with more fleet and account customers. Stock funding is usually the right primary tool for vehicle inventory; MCA fits well for working capital, refit, conversions, aftersales kit, and bridging fleet-account payment gaps.
What MCA means for a van dealer.
Van dealer revenue mix has more bank-settled fleet payments and corporate accounts than passenger-car retail. Card takings come from sub-£3.5t deposits, parts, service and accessories. Lenders assess MCA against card flow plus bank-settled commercial vehicle revenue and finance commission. Common uses: forecourt refit, conversion-bay equipment (racking, ply-lining, signwriting kit), aftersales tooling, parts stock, fleet sales rep recruitment, marketing for utility-fleet contracts, EV van charging infrastructure.
Sound familiar?
Fleet customer pays on 60-day terms. Payroll runs every Friday.
Big fleet sales clear cleanly but with 30-60 day account terms. Payroll, parts orders, and stock payments don't wait. The faster the fleet side grows, the worse the working-capital pinch gets.
MCA bridges the gap between invoice and settlement. Repayment paced through ongoing card and aftersales takings. Lenders comfortable with fleet receivables as supporting income.
Conversion-bay setup to capture the racking and ply-lining market.
Internal racking, ply-lining, signwriting kit, vehicle wraps. £25k to £90k of equipment plus stock to start offering conversions in-house rather than referring out.
MCA funds the bay setup. New conversion revenue stream feeds card takings, which the daily repayment % draws from. Often pays back in 12-18 months of conversion margin.
EV van charging infrastructure for the next wave.
DC fast charger install £20k to £80k. Required to demo and prep electric LCVs. OZEV grants help but rarely cover full cost.
MCA covers the dealer's share post-grant. Repaid through the EV-segment growth in card takings (deposits, charging fees, EV servicing). Future-positioning capital, not pure operating cost.
Here's what it actually costs.
An independent van dealer borrows £35,000 for conversion-bay setup and parts stock. Monthly card takings (deposits + aftersales): £18,000. £35,000. Average monthly card takings £18,000. Fixed cost 1.22. 11% daily repayment % on card sales, total cost £7,700.
These figures are illustrative. If a term loan or asset finance fits your situation better, we'll tell you.
Open the fixed cost calculator →Work out the real cost.
New businesses typically start at a higher daily % and a shorter term.
£27,000 is the maximum advance for your card takings (150% of monthly card takings).
Illustrative only, not a quote.
- Advance£27,000
- vs card takings150%
- Fixed cost1.22
- Daily repayment£65
- Avg monthly£1,980
- Est. term16.6 months
Illustrative. The fixed cost is set on day one; daily repayment varies with takings. Term capped at 18 months.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
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Apply with these numbersVan dealers, quick answers.
Yes if your card-plus-finance-commission mix is consistent and the advance is sized accordingly. Pure account-pay businesses (no card flow at all) are usually a poor MCA fit. But most van dealers have meaningful retail and aftersales card income.
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