{"componentChunkName":"component---src-templates-tide-templates-kv-2-template-index-tsx","path":"/knowledge/van-leasing-van-finance/","result":{"pageContext":{"slug":"van-leasing-van-finance","contentful_id":"3ZcXDM4f9s024z0FSwz46y","title":"Van finance | Hire purchase, finance lease & contract hire","metaDescription":"Compare van finance from 80+ UK lenders. Choose HP, finance lease or contract hire. Fast decisions, flexible terms. Check options in minutes.","isNoindex":false,"seo":{"type":"application/ld+json","contents":{"contents":"{\n  \"@context\": \"https://schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"WebSite\",\n      \"@id\": \"https://www.fundingoptions.com/#website\",\n      \"name\": \"Funding Options by Tide\",\n      \"url\": \"https://www.fundingoptions.com/\",\n      \"inLanguage\": \"en-GB\",\n      \"publisher\": { \"@id\": \"https://www.fundingoptions.com/#organization\" }\n    },\n    {\n      \"@type\": \"Organization\",\n      \"@id\": \"https://www.fundingoptions.com/#organization\",\n      \"name\": \"Funding Options by Tide\",\n      \"url\": \"https://www.fundingoptions.com/\",\n      \"logo\": {\n        \"@type\": \"ImageObject\",\n        \"@id\": \"https://www.fundingoptions.com/#org-logo\",\n        \"url\": \"https://www.fundingoptions.com/static/img/og/funding-options-knowledge.jpg\"\n      },\n      \"sameAs\": [\n        \"https://www.linkedin.com/company/funding-options/\",\n        \"https://twitter.com/FundingOptions\",\n        \"https://www.facebook.com/FundingOptions/\",\n        \"https://www.instagram.com/fundingoptions/\",\n        \"https://vimeo.com/fundingoptions\"\n      ],\n      \"aggregateRating\": {\n        \"@type\": \"AggregateRating\",\n        \"ratingValue\": \"4.8\",\n        \"reviewCount\": \"1300\"\n      }\n    },\n    {\n      \"@type\": \"Person\",\n      \"@id\": \"https://www.fundingoptions.com/#person-joe-morley\",\n      \"name\": \"Joe Morley\",\n      \"jobTitle\": \"Senior Finance Writer\",\n      \"url\": \"https://www.fundingoptions.com/author/joe-morley/\"\n    },\n    {\n      \"@type\": \"Person\",\n      \"@id\": \"https://www.fundingoptions.com/#person-vivek-seda\",\n      \"name\": \"Vivek Seda\",\n      \"jobTitle\": \"Senior Finance Specialist\",\n      \"url\": \"https://www.fundingoptions.com/author/vivek-seda/\"\n    },\n    {\n      \"@type\": \"FinancialProduct\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/#entity\",\n      \"name\": \"Van finance\",\n      \"description\": \"Hire purchase, finance lease and operating lease options to fund business vans with predictable monthly costs.\",\n      \"url\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/\"\n    },\n    {\n      \"@type\": \"WebPage\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/#webpage\",\n      \"url\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/\",\n      \"name\": \"Van finance and leasing – Compare business options\",\n      \"isPartOf\": { \"@id\": \"https://www.fundingoptions.com/#website\" },\n      \"about\": { \"@id\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/#entity\" },\n      \"breadcrumb\": { \"@id\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/#breadcrumb\" },\n      \"dateModified\": \"2025-10-09\",\n      \"inLanguage\": \"en-GB\",\n      \"primaryImageOfPage\": { \"@id\": \"https://www.fundingoptions.com/#org-logo\" },\n      \"publisher\": { \"@id\": \"https://www.fundingoptions.com/#organization\" },\n      \"speakable\": {\n        \"@type\": \"SpeakableSpecification\",\n        \"cssSelector\": [\"h1\", \"p.intro\", \".faq-item\"]\n      }\n    },\n    {\n      \"@type\": \"BreadcrumbList\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/#breadcrumb\",\n      \"itemListElement\": [\n        { \"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https://www.fundingoptions.com/\" },\n        { \"@type\": \"ListItem\", \"position\": 2, \"name\": \"Knowledge\", \"item\": \"https://www.fundingoptions.com/knowledge/\" },\n        { \"@type\": \"ListItem\", \"position\": 3, \"name\": \"Van finance and leasing\", \"item\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/\" }\n      ]\n    },\n    {\n      \"@type\": \"Article\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/#article\",\n      \"headline\": \"Van finance and leasing – Compare business options\",\n      \"alternativeHeadline\": \"Hire purchase vs finance lease vs operating lease for vans\",\n      \"description\": \"Compare van finance and leasing for UK businesses. See HP, finance lease and contract hire options, costs, eligibility and how to apply with Funding Options by Tide.\",\n      \"mainEntityOfPage\": { \"@id\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/#webpage\" },\n      \"about\": { \"@id\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/#entity\" },\n      \"author\": { \"@id\": \"https://www.fundingoptions.com/#person-joe-morley\" },\n      \"editor\": { \"@id\": \"https://www.fundingoptions.com/#person-joe-morley\" },\n      \"reviewedBy\": { \"@id\": \"https://www.fundingoptions.com/#person-vivek-seda\" },\n      \"publisher\": { \"@id\": \"https://www.fundingoptions.com/#organization\" },\n      \"dateModified\": \"2025-10-09\",\n      \"inLanguage\": \"en-GB\",\n      \"isAccessibleForFree\": true,\n      \"image\": { \"@id\": \"https://www.fundingoptions.com/#org-logo\" },\n      \"articleSection\": [\n        \"Key takeaways\",\n        \"Van finance vs van leasing\",\n        \"Types of van funding\",\n        \"Eligibility & documents\",\n        \"Costs & fees\",\n        \"Popular use cases\",\n        \"How to apply\",\n        \"Alternatives & related options\",\n        \"FAQs\",\n        \"Why Funding Options by Tide\"\n      ],\n      \"mentions\": [\n        { \"@type\": \"FinancialProduct\", \"name\": \"Hire purchase\", \"url\": \"https://www.fundingoptions.com/knowledge/hire-purchase/\" },\n        { \"@type\": \"FinancialProduct\", \"name\": \"Finance lease\", \"url\": \"https://www.fundingoptions.com/knowledge/finance-leases/\" },\n        { \"@type\": \"FinancialProduct\", \"name\": \"Operating lease\", \"url\": \"https://www.fundingoptions.com/knowledge/operating-leases/\" },\n        { \"@type\": \"FinancialProduct\", \"name\": \"Business vehicle finance\", \"url\": \"https://www.fundingoptions.com/knowledge/commercial-vehicle-leasing-hire-finance/\" },\n        { \"@type\": \"FinancialProduct\", \"name\": \"Equipment finance\", \"url\": \"https://www.fundingoptions.com/knowledge/equipment-finance/\" },\n        { \"@type\": \"FinancialProduct\", \"name\": \"Equipment leasing\", \"url\": \"https://www.fundingoptions.com/knowledge/equipment-leasing/\" },\n        { \"@type\": \"LoanOrCredit\", \"name\": \"Revolving credit facility\", \"url\": \"https://www.fundingoptions.com/knowledge/revolving-credit-facility/\" },\n        { \"@type\": \"LoanOrCredit\", \"name\": \"Unsecured business loans\", \"url\": \"https://www.fundingoptions.com/knowledge/unsecured-business-loans/\" },\n        { \"@type\": \"LoanOrCredit\", \"name\": \"Small business loans\", \"url\": \"https://www.fundingoptions.com/knowledge/small-business-loans/\" },\n        { \"@type\": \"FinancialProduct\", \"name\": \"Truck & HGV finance\", \"url\": \"https://www.fundingoptions.com/knowledge/truck-finance-hgv-finance/\" },\n        { \"@type\": \"FinancialProduct\", \"name\": \"Asset finance calculator\", \"url\": \"https://www.fundingoptions.com/asset-finance-calculator/\" }\n      ]\n    },\n    {\n      \"@type\": \"FAQPage\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/#faq\",\n      \"isPartOf\": { \"@id\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/#webpage\" },\n      \"mainEntity\": [\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What’s the difference between van finance and van leasing?\",\n          \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Van finance (e.g., hire purchase or finance lease) spreads the cost to own or use long-term. Van leasing/contract hire is a rental with lower monthly cost and no ownership.\" }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Can I finance a used van?\",\n          \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Yes—many lenders support used vans from approved dealers; rates and terms depend on age, mileage and condition.\" }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Are there mileage limits?\",\n          \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Leasing usually sets an annual mileage allowance with excess charges. HP or finance lease typically have no mileage caps.\" }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Do I need a deposit?\",\n          \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"HP often requires a deposit and VAT upfront. Finance/operating leases typically start with an advance rental.\" }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Can I customise the van?\",\n          \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Yes on HP and many finance leases (check restrictions). Contract hire usually limits modifications.\" }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Are electric vans eligible?\",\n          \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Yes—HP, finance lease and operating lease options are available for EVs. Total cost depends on vehicle price and residuals.\" }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"How fast can I get a decision?\",\n          \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Some lenders can approve and fund within days once documents and valuation are complete, but timelines vary.\" }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Will I need a personal guarantee (PG)?\",\n          \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Often for SMEs, especially on unsecured elements. Security and business profile can reduce PG requirements.\" }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Will applying affect my credit score?\",\n          \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Initial eligibility checks can be soft; proceeding with a specific offer usually involves a hard search.\" }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What happens at the end of each product?\",\n          \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"HP: you own the van after the final payment. Finance lease: continue leasing or sell on the lessor’s behalf. Contract hire: return the van; charges may apply for damage or excess mileage.\" }\n        }\n      ]\n    },\n    {\n      \"@type\": \"HowTo\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/#howto\",\n      \"name\": \"How to apply for van finance or leasing\",\n      \"inLanguage\": \"en-GB\",\n      \"isPartOf\": { \"@id\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/#webpage\" },\n      \"step\": [\n        { \"@type\": \"HowToStep\", \"position\": 1, \"name\": \"Share your van requirement, mileage and term\" },\n        { \"@type\": \"HowToStep\", \"position\": 2, \"name\": \"Compare HP, finance lease and operating lease offers from 80+ lenders\" },\n        { \"@type\": \"HowToStep\", \"position\": 3, \"name\": \"Upload documents and complete underwriting checks\" },\n        { \"@type\": \"HowToStep\", \"position\": 4, \"name\": \"Sign and arrange delivery/collection\" }\n      ]\n    },\n    {\n      \"@type\": \"Service\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/#service\",\n      \"name\": \"Compare van finance\",\n      \"description\": \"One application to compare hire purchase, finance lease and contract hire for business vans from 80+ UK lenders.\",\n      \"provider\": { \"@id\": \"https://www.fundingoptions.com/#organization\" },\n      \"areaServed\": \"GB\",\n      \"serviceType\": \"Vehicle finance comparison\",\n      \"audience\": { \"@type\": \"Audience\", \"audienceType\": \"UK businesses\" },\n      \"url\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/\",\n      \"aggregateRating\": {\n        \"@type\": \"AggregateRating\",\n        \"ratingValue\": \"4.8\",\n        \"reviewCount\": \"1300\"\n      }\n    },\n    {\n      \"@type\": \"ItemList\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/van-leasing-van-finance/#options-list\",\n      \"name\": \"Van funding options\",\n      \"itemListOrder\": \"http://schema.org/ItemListOrderAscending\",\n      \"numberOfItems\": 3,\n      \"itemListElement\": [\n        { \"@type\": \"ListItem\", \"position\": 1, \"item\": { \"@type\": \"FinancialProduct\", \"name\": \"Hire purchase\", \"url\": \"https://www.fundingoptions.com/knowledge/hire-purchase/\" } },\n        { \"@type\": \"ListItem\", \"position\": 2, \"item\": { \"@type\": \"FinancialProduct\", \"name\": \"Finance lease\", \"url\": \"https://www.fundingoptions.com/knowledge/finance-leases/\" } },\n        { \"@type\": \"ListItem\", \"position\": 3, \"item\": { \"@type\": \"FinancialProduct\", \"name\": \"Operating lease / contract hire\", \"url\": \"https://www.fundingoptions.com/knowledge/operating-leases/\" } }\n      ]\n    }\n  ]\n}\n"}},"hero":{"title":"Van finance for UK businesses","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Van finance helps UK businesses acquire, upgrade or expand fleets without large upfront costs. Compare\",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/hire-purchase/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"bold\"}],\"value\":\" hire purchase\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[{\"type\":\"bold\"}],\"value\":\", \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/finance-leases/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"bold\"}],\"value\":\"finance lease\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[{\"type\":\"bold\"}],\"value\":\" and contract hire\",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[],\"value\":\" from \",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[{\"type\":\"bold\"}],\"value\":\"80+ lenders\",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[],\"value\":\" - options from \",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[{\"type\":\"bold\"}],\"value\":\"£1,000–£20m\",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[],\"value\":\". Check eligibility in minutes with no obligation.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Last updated: October 2025, edited by \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/author/joe-morley/\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Joe Morley\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\", reviewed by \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/author/vivek-seda/\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Vivek Seda\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\"\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"},"heroImage":{"image":null,"imageDesktop":null}},"pageComponents":[{"accordion":{"title":"Van finance vs van leasing: which is right?","description":null,"accordionItem":[{"id":"56840ce6-b43c-5fa1-b2bf-c442fde6ff3f","label":"Key takeaways","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Choose \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"van finance\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" (HP or finance lease) if you plan to keep and use the van long-term; choose \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"van leasing/contract hire\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" if you want lower monthly costs and to upgrade regularly.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"unordered-list\",\"data\":{},\"content\":[{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Amounts & terms:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" typically from \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"£5k–£500k+\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\", over \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"24–60 months\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" (case-dependent)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Ownership:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" possible with \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"hire purchase\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"; \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"no ownership\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" with operating lease/contract hire\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Mileage:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" leasing usually has mileage limits; HP/finance lease typically doesn’t\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Speed:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" some providers can approve and fund in days (subject to valuation and documents)\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"dc01626b-21d7-5917-9922-a18df73154e2","label":"Van finance vs van leasing:","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Van finance usually means \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"/knowledge/hire-purchase/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"hire purchase\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\" (own the van at the end) or \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"fundingoptions.com/knowledge/finance-leases/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"finance lease\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\" (use it long-term with options at term end). \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"Van leasing\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" (operating lease/contract hire) is a long-term rental with no ownership. If you want predictable low payments and frequent upgrades, leasing is often best; if you want control, customisation and potential resale value, HP/finance lease fits better.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"7a8c9739-0343-50f1-b453-e493f1096756","label":"Key differences between van finance and van leasing","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"table\",\"data\":{},\"content\":[{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Product\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Best for\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Ownership\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Mileage limits\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Upfront costs\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Notes\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Hire purchase (HP)\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Keep the van long-term\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Yes (after final payment)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"None\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Deposit + VAT (often upfront)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Fixed repayments; straightforward path to ownership. More detail: /knowledge/hire-purchase/\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Finance lease\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"High usage / customisation\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"No (you don’t take title)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"None typical\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Initial rental\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Long-term use; you can often sell on behalf of lessor at term end. More detail: /knowledge/finance-leases/\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Operating lease / contract hire\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Lowest monthly cost & new vans\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"No\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Yes (excess charges if exceeded)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Initial rental\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Maintenance often included; return van at end. More detail: /knowledge/operating-leases/\",\"marks\":[],\"data\":{}}]}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"7a8c9739-0343-50f1-b453-e493f1096756"},{"id":"dc01626b-21d7-5917-9922-a18df73154e2"},{"id":"56840ce6-b43c-5fa1-b2bf-c442fde6ff3f"}]},"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordionAndForm"}}}},{"title":"Benefits of van leasing","descriptionCards":[{"title":"Lower monthly payments ","icon":"Document and coins","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Often cheaper than financing\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Access to new vans ","icon":"Document and coins","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Upgrade regularly without ownership risks\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"No depreciation worries","icon":"Hand holding coins","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Return the van after the lease ends\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Optional maintenance packages","icon":"Document and coins","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Reduce upkeep costs\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Tax advantages","icon":"Hand holding coins","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Lease payments may be deductible as a business expense\",\"marks\":[],\"data\":{}}]}]}"}}],"sys":{"contentType":{"sys":{"id":"templatesV2SectionFinancialProductInfo"}}}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordion"}}},"title":"Common use cases","accordion":{"accordionItem":[{"id":"3ead55ae-dd9e-5a69-b593-ace1117b7de7","label":"Van finance is ideal for businesses that:","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"unordered-list\",\"data\":{},\"content\":[{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Want to own their vehicles long term\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Have high mileage needs\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Need specific customisations (e.g., refrigeration, branding)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Plan to keep vehicles for over 3–5 years\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"69cdf76b-326c-50b3-a7fc-eacdbafbb26a","label":"Van leasing is best for companies that:","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"unordered-list\",\"data\":{},\"content\":[{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Prefer new vehicles every few years\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Want fixed costs and lower upfront payments\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Don’t want the hassle of selling vehicles later\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Need flexibility or operate under mileage limits\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"836a06cc-0f56-58ec-bc6d-c28f31008d3b","label":"What affects your eligibility?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Lenders or lease providers will look at:\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"unordered-list\",\"data\":{},\"content\":[{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Business trading history (typically 6–12 months minimum)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Company or director credit score\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Annual turnover and affordability\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Type of van and contract length\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Whether the agreement is secured or requires a personal guarantee\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Having clear records and forecasts can help secure better rates.\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"836a06cc-0f56-58ec-bc6d-c28f31008d3b"},{"id":"69cdf76b-326c-50b3-a7fc-eacdbafbb26a"},{"id":"3ead55ae-dd9e-5a69-b593-ace1117b7de7"}]}},{"title":"Alternatives to van finance and leasing","descriptionCards":[{"title":"Asset finance","icon":"Hand holding bag of money","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/asset-finance/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"Asset finance\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\" spreads the cost of multiple vehicles or equipment\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Business loan ","icon":"House and coins","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/business-loans/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"Business loans\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\" use funds to purchase a van outright\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Hire purchase ","icon":"Banking institution","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/hire-purchase/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"Hire purchase\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\" is a popular form of van finance with ownership at the end\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Operating lease ","icon":"Banking institution","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/operating-leases/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"Operating lease \",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\"is like leasing but includes maintenance and return options\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Line of credit","icon":"Document and coins","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Line of credit draws funds as needed to purchase vehicles or equipment\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}}],"sys":{"contentType":{"sys":{"id":"templatesV2SectionFinancialProductInfo"}}}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionHowDoesItWork"}}}},{"accordion":{"title":"Why choose Funding Options by Tide?","description":"Funding Options by Tide helps UK SMEs find fast, tailored business finance by connecting them with over 80 trusted lenders. Backed by Tide and FCA-regulated, the service is free and easy to use.","accordionItem":[{"id":"51f61310-5d3a-5c83-8e98-43c26a5a362b","label":"Compare 80+ UK lenders in minutes","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"We scan the market so you don’t have to, finding the right option for your business.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"9493be09-4707-5e73-95c0-e0dd4b3dd755","label":"Trusted by 19,000+ UK businesses","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"From startups to established SMEs, we’ve already helped secure over £1.1 bn in funding.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"cf46c0ca-d766-5d4e-bde5-a0a538536288","label":"FCA-regulated and Tide-backed","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"We operate as a credit broker, not a lender, giving impartial access to multiple finance products.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"3389a144-3906-572e-8df2-f3c2c4ff28cc","label":"Excellent customer experience","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Our Trustpilot rating is 4.8 out of 5, based on 1,300+ independent reviews.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"a50c205f-fd63-56f9-8254-22d53941314c","label":"Personalised support","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Our team can guide you through the process and help you choose the finance that fits your needs.\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"51f61310-5d3a-5c83-8e98-43c26a5a362b"},{"id":"3389a144-3906-572e-8df2-f3c2c4ff28cc"},{"id":"cf46c0ca-d766-5d4e-bde5-a0a538536288"},{"id":"9493be09-4707-5e73-95c0-e0dd4b3dd755"},{"id":"a50c205f-fd63-56f9-8254-22d53941314c"}]},"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordionAndForm"}}}},{"id":"23bbe9a5-c7a6-54c5-b7d2-44d81e5a7e44","placeholder":"Trustpilot carrousel","sys":{"contentType":{"sys":{"id":"templatesV2SectionTrustpilotCarrousel"}}}},{"title":"Benefits of van finance","descriptionCards":[{"title":"Asset ownership","icon":"Lock","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Option to own the van at the end of the term\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"No mileage restrictions","icon":"Wallet","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Ideal if your usage is high or variable\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Customisation allowed","icon":"Plant vase","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"You can brand or modify the van\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"title":"Potential resale value","icon":"Hand holding coins","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Retain or sell the asset later\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Fixed repayments","icon":"Lock","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Easier budgeting over time\",\"marks\":[],\"data\":{}}]}]}"}}],"sys":{"contentType":{"sys":{"id":"templatesV2SectionFinancialProductInfo"}}}},{"title":"Estimate your costs today","description":"If you're ready to take your business to the next level, use our business loans calculator to get an idea of what you can afford.","calculatorType":"Business loans","sys":{"contentType":{"sys":{"id":"templatesV2SectionCalculator"}}}},{"accordion":{"title":"How to apply for van finance or leasing","description":null,"accordionItem":[{"id":"15d4ce44-5432-568a-9bcd-3191cb6e0704","label":"1. Assess your needs","content":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Decide whether ownership or flexibility is more important\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"id":"feacdf86-25fd-537f-9c25-249d322da4f5","label":"2. Compare options","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Use a broker like Funding Options by Tide to find the best deal\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"b6d9fd4e-f6a5-5003-b3ec-a5a2f929717f","label":"3. Choose a contract ","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Decide on van type, term length, and monthly budget\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"79bdcfe3-24f7-5461-b5c4-68e54dd0e198","label":"4. Submit documents","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Provide bank statements, ID, and financials\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"1bbddfeb-fd87-541b-a8a3-2233cb8ae55b","label":"5. Get approved","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Many lenders respond in 24–72 hours\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"1bbddfeb-fd87-541b-a8a3-2233cb8ae55b"},{"id":"79bdcfe3-24f7-5461-b5c4-68e54dd0e198"},{"id":"b6d9fd4e-f6a5-5003-b3ec-a5a2f929717f"},{"id":"15d4ce44-5432-568a-9bcd-3191cb6e0704"},{"id":"feacdf86-25fd-537f-9c25-249d322da4f5"}]},"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordionAndForm"}}}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordion"}}},"title":"Frequently asked questions","accordion":{"accordionItem":[{"id":"7d33d5a0-21f6-5df6-87d4-2f07e1f2a4a4","label":"What’s the difference between van finance and van leasing?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Van finance\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" (e.g., HP/finance lease) spreads the cost to own or use long-term; \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"van leasing/contract hire\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" is a rental with lower monthly cost and no ownership.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"heading-3\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"35aa2b7c-0c14-51fd-ad44-3bf99811be42","label":"Can I finance a used van?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Yes—many lenders support used vans from approved dealers; rates/terms depend on age, mileage and condition.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"heading-3\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"eab3d830-9008-5716-b2f9-5600df4d52a0","label":"Are there mileage limits?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Leasing usually sets an annual mileage allowance (with excess charges). HP/finance lease typically have no mileage caps.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"heading-3\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"41c66336-b370-50cd-b698-3e9594cb9e49","label":"Do I need a deposit?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"HP often needs a \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"deposit\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" (and VAT upfront); finance/operating leases typically start with an \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"advance rental\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\".\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"heading-3\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"60c919ea-5785-5dcb-b72a-4000b4a087cb","label":"Can I customise the van?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Yes for HP/finance lease (check restrictions). Contract hire usually limits modifications.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"heading-3\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"61fe7683-65c7-5dd1-bc65-2d872a5eecd3","label":"EV vans: can I finance them?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Yes—HP, finance lease and operating lease are available for electric vans; total cost depends on price and residuals.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"heading-3\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"489a9b12-0e97-5eb8-b664-e0d93bba8125","label":"Will I need a personal guarantee (PG)?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Often for SMEs, especially on unsecured elements. Security and business profile can reduce PG requirements (case-by-case).\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"heading-3\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"bc9a9c0a-2268-5f44-bf2c-ab3ee9c1a5e7","label":"Will applying affect my credit score?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Initial eligibility checks can be soft; proceeding with a specific offer usually involves a hard search.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"heading-3\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"b2a73272-4f5c-5ff7-ac93-4a348b20f237","label":"What happens at the end of each product?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"HP: you own the van after the final payment. Finance lease: continue leasing or sell on the lessor’s behalf. Contract hire: return the van (charges may apply for damage/excess mileage).\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"b2a73272-4f5c-5ff7-ac93-4a348b20f237"},{"id":"bc9a9c0a-2268-5f44-bf2c-ab3ee9c1a5e7"},{"id":"489a9b12-0e97-5eb8-b664-e0d93bba8125"},{"id":"61fe7683-65c7-5dd1-bc65-2d872a5eecd3"},{"id":"60c919ea-5785-5dcb-b72a-4000b4a087cb"},{"id":"41c66336-b370-50cd-b698-3e9594cb9e49"},{"id":"eab3d830-9008-5716-b2f9-5600df4d52a0"},{"id":"35aa2b7c-0c14-51fd-ad44-3bf99811be42"},{"id":"7d33d5a0-21f6-5df6-87d4-2f07e1f2a4a4"}]}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionDisclaimer"}}},"disclaimer":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Please note that the information above is not intended to be financial advice. You should seek independent financial advice before making any decisions about your financial future.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"It’s important to remember that all loans and credit agreements come with risks. These risks include non-payment and late-payment of the agreed repayment plan, which could affect your business credit score and impact your ability to find future funding. Always read the terms and conditions of every loan or credit agreement before you proceed. Contact us for support if you ever face difficulties making your repayments.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Funding Options, now part of Tide, helps UK firms access business finance, working directly with businesses and their trusted advisors. Funding Options are a credit broker and do not provide loans directly. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. Funding Options can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. Funding Options will receive a commission or finder’s fee for effecting such finance introductions.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\\n\",\"marks\":[],\"data\":{}}]}]}"}}],"author":{"name":"Vivek Seda","jobTitle":"Business Finance Manager","slug":"vivek-seda","shortBio":{"shortBio":"Vivek is the Asset Based Lending Manager at Funding Options by Tide. Vivek has been in the industry for over 10 years, working for both lenders and brokers. His product specialisms cover Asset Finance, Invoice Finance, Property Finance and structured transactions."},"image":{"title":"Vivek Seda","gatsbyImageData":{"images":{"sources":[{"srcSet":"https://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=32&h=32&q=50&fm=webp 32w,\nhttps://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=64&h=64&q=50&fm=webp 64w,\nhttps://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=128&h=128&q=50&fm=webp 128w","sizes":"(min-width: 128px) 128px, 100vw","type":"image/webp"}],"fallback":{"src":"https://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=128&h=128&q=50&fm=png","srcSet":"https://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=32&h=32&q=50&fm=png 32w,\nhttps://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=64&h=64&q=50&fm=png 64w,\nhttps://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=128&h=128&q=50&fm=png 128w","sizes":"(min-width: 128px) 128px, 100vw"}},"layout":"constrained","width":128,"height":128}}}}},"staticQueryHashes":["1250078025","1659198851","3682024094","3753363658"]}