🚛 Haulage & Transport Finance

Invoice Finance for Haulage & Transport Businesses

Fuel, driver wages and vehicle costs don't wait for your invoices to clear. Compare haulage finance from 40+ UK lenders and access up to 90% of invoice value the same day you raise it.

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The Challenge
Why cash flow is a constant battle in haulage

Haulage businesses face one of the most difficult cash flow mismatches in any industry. Costs hit daily - fuel, driver wages, vehicle maintenance, insurance, road tax and tachograph compliance - while customers routinely take 30 to 90 days to settle their transport invoices.

Larger retail and logistics clients often insist on 60 or 90-day payment terms as a condition of the contract. For an owner-driver with three vehicles or a fleet operator with thirty, the gap between money going out and money coming in can be impossible to bridge without external funding.

How haulage invoice finance works

Invoice finance for haulage works by advancing a percentage of your outstanding invoice value - typically 85-90% - on the day you raise the invoice rather than waiting for your customer to pay. When the customer settles, the remaining balance is released to you minus the lender's fee.

Some lenders offer same-day funding against proof-of-delivery documentation, making it possible to fund weekly driver wages directly from the income generated that week.

Who is eligible?

  • Owner-operators and small fleets with commercial B2B customers
  • Refrigerated, bulk, container and flatbed hauliers
  • Third-party logistics (3PL) operators
  • Owner-drivers working for freight brokers or logistics platforms
  • International hauliers with UK-invoiced export loads

The haulage cash flow problem

✗Fuel costs payable weekly or daily
✗Driver wages due every Friday
✗Fleet maintenance bills can't wait
✗Customers paying on 60–90 day terms

What invoice finance gives you

✓Up to 90% of invoice value same day
✓Fund wages and fuel without waiting
✓Take on new contracts with confidence
✓Facility grows as your turnover grows

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Benefits
Why hauliers choose invoice finance
⛽

Fund fuel in real time

Access cash against invoices the same day they're raised - cover fuel cards and diesel costs without waiting 60 days for your customer to pay.

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Never miss a payroll

Advance against your weekly freight invoices to guarantee driver wages are covered, even when your biggest customer is on 90-day terms.

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Keep the fleet moving

Unplanned vehicle maintenance won't derail your cash position when your debtor book is being funded continuously.

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Scale without working capital gaps

Win a new pallet network contract or add vehicles - your funding facility automatically grows with your turnover.

FAQ
Haulage finance questions answered
Yes. Invoice finance is well suited to haulage businesses because they invoice commercial customers on 30–90 day terms while costs like fuel, wages and maintenance are due immediately. Specialist lenders understand the haulage invoicing cycle and can advance up to 90% of invoice value the same day.
Most haulage invoice finance lenders will advance 85–90% of gross invoice value on the day of raising. The remaining balance, less fees, is released when your customer pays. Some lenders offer same-day funding against POD-backed invoices.
Yes. Once funds are advanced against your invoices they are unrestricted - you can use them to pay driver wages, fuel, vehicle maintenance, insurance or any other running cost. Many hauliers use invoice finance specifically to smooth their weekly payroll cycle.
Most lenders require a minimum annual turnover of around £100,000, though some specialists work with smaller operators. Our panel includes lenders across the full range including those focused on growing haulage businesses.
With invoice factoring, the lender manages your credit control and chases payment from your freight customers. With discounting, collections stay with you and the facility is confidential. Many smaller hauliers prefer factoring to reduce admin overhead; larger operators often prefer the confidentiality of discounting.

Compare haulage finance from 40+ UK lenders - free

One enquiry. Your bank shows you one option. We show you forty - including specialists who understand haulage billing cycles.

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Prefer to talk it through?  Call us on 01625 467119 - or use the calculator for an instant estimate.