Key highlights
- Roll the fit-out into the same finance as the van
- Racking, shelving, drawers and signage commonly acceptable
- Very specialised modifications may need a specific lender
- Total must sit within your approved borrowing
- Obligation-free quote via a soft check only
A bare van is rarely job-ready. Trades and service businesses usually need shelving, racking, drawers or a service body added. The good news is you can often roll the fit-out into the same finance as the van. Overdrive knows which lenders accommodate this.
Can you finance a van and fit-out?
Rather than paying cash for the fit-out separately, eligible applicants can include reasonable accessories and modifications in the financed amount. This spreads the cost over the loan term alongside the van. Approval and inclusions are subject to lender criteria and the type of work involved.
What fit-outs can be included?
Internal racking, shelving, drawer systems, ladder racks, signage and similar work-related fit-outs are commonly acceptable when installed at purchase. The lender treats the completed, job-ready van as the asset. Keeping quotes and invoices tidy makes this straightforward.
What should you keep in mind?
Very heavy or specialised modifications may need a specific lender, and the total still has to sit within what you're approved to borrow. Planning the fit-out before you finance avoids awkward top-ups. For the tax treatment of fit-out costs, check with your accountant or registered tax adviser.
Kitting out a van for work? Get an obligation-free quote from Simon at Overdrive covering the van and fit-out together. It's a soft check that won't affect your credit score.
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