Start with the original application
Ask the dealer or finance provider which business and vehicle details were submitted and whether they can explain the outcome. A decision may reflect several factors, including affordability, trading history, credit information, the vehicle or the amount requested. A dealer may not know the provider’s full reasoning. Avoid assuming a single issue caused the refusal.
Check the information before applying again
Check the company name, address, trading details, turnover and the vehicle price supplied. If credit information is relevant, ask which reference agency was used and check for errors with the appropriate agency. Ask the next provider whether it intends to conduct a credit search and how it will be recorded. Avoid sending repeated applications without understanding the process.
Look at the complete purchase
Confirm whether the advertised price includes VAT, the cash deposit available and any other costs. Keep enough working capital for insurance, maintenance and ordinary business expenses. A lower amount financed may help the numbers, but no deposit level guarantees acceptance. The lender will consider its own criteria and affordability.
Already found the van?
Keep the advertisement link, dealer name, registration or specification, price and mileage to hand. The independent provider must be comfortable with the vehicle and supplier. Do not assume a particular van will qualify, and do not commit to a non-refundable payment before you understand the conditions.
Speak to Damian
Damian can discuss your limited company’s situation and explore an introduction to a suitable independent commercial funding provider. The provider handles its own checks, documentation and lending decision. There is no guaranteed approval and no full application is required to start the conversation.
Ready to talk?
Speak directly to Damian about a possible independent commercial finance introduction. Funding is subject to the provider’s eligibility criteria, assessment and terms.
Make a quick enquiry → · Ford Transit Custom review · Used van guides