Deal4Wheels

Business Car Finance at Deal4Wheels

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Smart Fleet & Company Car Finance for Sole Traders & SMEs

Need one car for business? Or a small fleet for your team? Deal4Wheels makes business vehicle finance easy, transparent, and tailored to you — whether you're a limited company, sole trader, or partnership.

How Business Car Finance Works

Real Case: Limited Company Gets Fleet Deal Approved

“We needed two estate cars for our mobile support team. With just 15 months of trading and no fleet history, other brokers declined us. Deal4Wheels understood our business and arranged approval within 72 hours — brilliant!” — Abdul R., Managing Director, Staffordshire

  • checkTwo business-use cars funded
  • check£0 deposit
  • checkNo personal guarantee needed

What We Offer

  • checkHire Purchase (HP) and PCP for business vehicles
  • checkFinance under company name or director (when appropriate)
  • checkOptions with and without personal guarantees
  • checkElectric vehicle finance for tax-efficient company car benefits
  • checkSelf-employed and sole trader applications welcome
  • checkSmall fleets (up to 5 vehicles) available

Business Car Finance Calculator

  • checkAdd vehicle cost, term, VAT status, and credit tier
  • checkCompare repayment structures and tax deductions
  • checkUse to plan monthly outgoings for business budgeting

Who Is It Right For?

Best For:
May Not Be Ideal For:

FAQS

Can I apply without a personal guarantee?

Yes, some lenders allow LTD company-only underwriting depending on credit score and trading history.

Can sole traders get business finance?

Yes. We help many self-employed applicants secure vehicles in their personal or trading name.

What documents do I need?

3–6 months of business bank statements, proof of identity, company incorporation or UTR (depending on structure).

Can I finance electric company cars?

Yes — and they may qualify for lower Benefit-in-Kind (BIK) tax. We support hybrid and EV fleets.

Can I upgrade multiple vehicles together?

Yes. If affordability checks out, we can structure a fleet-style package with one or multiple lenders.

LET'S GET STARTED

Build My Business Deal

Browse Finance-Ready Cars

Chat with Our Commercial Team