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Hawkstone Finance

Commercial Vehicle Finance Options

Flexible Van Finance
with Hawkstone Commercials

Flexible van finance solutions designed to help businesses across Bridgend, Cardiff, Swansea, South Wales, and the UK access reliable new vans and commercial vehicles affordably.

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Flexible Finance

Flexible Van Finance Solutions

At Hawkstone Commercials, we understand that every business has different financial requirements when investing in commercial vehicles. That is why we offer a range of flexible van finance solutions designed to help businesses across Bridgend, Cardiff, Swansea, South Wales, and the UK access reliable new vans and commercial vehicles affordably.

Whether you are looking to spread the cost of a vehicle purchase, upgrade your fleet regularly, or reduce upfront expenditure, our team can help you choose the right finance option for your needs.

Our experienced team will guide you through the process, explain your options clearly, and help you secure competitive finance packages tailored to your business.

We Specialise In

Three flexible finance products designed around how your business operates.

  • Finance Lease (FL) — lower monthly payments and flexible disposal
  • Hire Purchase (HP) — a clear path to full ownership
  • Contract Hire (CH) — predictable monthly costs with no ownership responsibilities

Our team will help you secure competitive finance packages tailored to your business.

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Available Products

Finance Options Available

Choose the agreement that works best for your business.

Option 1

Finance Lease (FL)

What is a Finance Lease?

A Finance Lease is a flexible vehicle finance solution that allows businesses to lease a van or commercial vehicle for an agreed period and monthly payment. The finance company owns the vehicle throughout the agreement, while your business has full use of it.

At the end of the lease term, you can typically continue renting the vehicle for a small annual fee, sell the vehicle on behalf of the finance company, or upgrade to a newer model depending on the agreement structure.

Finance Lease is a popular option for businesses that want lower monthly payments and the flexibility to manage vehicle disposal without owning the vehicle outright.

How Finance Lease Works

  1. 1You choose your van or commercial vehicle
  2. 2An initial rental payment is agreed
  3. 3Fixed monthly payments are made over the contract term
  4. 4The finance company retains ownership of the vehicle
  5. 5At the end of the agreement, the vehicle can often be sold to a third party with a percentage of the sale proceeds returned to you

Pros of Finance Lease

  • Lower monthly payments compared to some ownership options
  • Flexible contract structures
  • No large upfront capital investment
  • Access to newer vans and commercial vehicles
  • Potential VAT benefits for businesses
  • Ideal for businesses wanting off-balance-sheet funding
  • Useful for fleet management and vehicle upgrades

Cons of Finance Lease

  • You do not own the vehicle
  • Maintenance costs may not be included
  • Excess mileage or vehicle damage charges may apply
  • Monthly payments continue for the agreed term
  • Final balloon payment structures can vary

Option 2

Hire Purchase (HP)

What is Hire Purchase?

Hire Purchase, often referred to as HP finance, is one of the most popular ways to finance a van or commercial vehicle purchase. It allows businesses and individuals to spread the cost of a vehicle over fixed monthly payments while working towards full ownership.

With Hire Purchase, you typically pay an initial deposit followed by monthly instalments over an agreed term. Once all payments have been completed, including any option-to-purchase fee, ownership of the vehicle transfers to you.

This option is ideal for businesses that want to own their commercial vehicle outright at the end of the agreement.

How Hire Purchase Works

  1. 1Select your van or commercial vehicle
  2. 2Pay an initial deposit
  3. 3Spread the remaining balance over fixed monthly payments
  4. 4The finance company owns the vehicle during the agreement
  5. 5Ownership transfers to you once the final payment is made

Pros of Hire Purchase

  • Full ownership at the end of the agreement
  • Fixed monthly payments for easier budgeting
  • No mileage restrictions
  • Ideal for long-term vehicle use
  • Equity builds as payments are made
  • Can improve cash flow by avoiding large upfront purchases
  • Suitable for businesses wanting to keep vehicles long term

Cons of Hire Purchase

  • Monthly payments can be higher than leasing options
  • A deposit is usually required
  • The vehicle may depreciate over time
  • You are responsible for maintenance and running costs
  • The vehicle cannot usually be sold until the finance is settled

Option 3

Contract Hire (CH)

What is Contract Hire?

Contract Hire is a long-term vehicle rental agreement that allows businesses to use a van or commercial vehicle for a fixed monthly cost over an agreed term and mileage allowance.

Unlike Hire Purchase, you do not own the vehicle at the end of the agreement. Instead, the vehicle is simply returned to the finance provider once the contract finishes.

Contract Hire is particularly popular with businesses looking for predictable monthly costs, regular vehicle upgrades, and minimal ownership responsibilities.

How Contract Hire Works

  1. 1Choose your van or commercial vehicle
  2. 2Agree contract length and annual mileage
  3. 3Make fixed monthly rental payments
  4. 4Use the vehicle throughout the agreement term
  5. 5Return the vehicle at the end of the contract

Some Contract Hire agreements can also include maintenance packages for added convenience and cost control.

Pros of Contract Hire

  • Lower monthly payments compared to ownership finance
  • Access to the latest new vans
  • Predictable monthly budgeting
  • No concerns about vehicle depreciation
  • Potential maintenance packages available
  • Ideal for businesses regularly upgrading vehicles
  • Reduced upfront costs

Cons of Contract Hire

  • You never own the vehicle
  • Mileage limits apply
  • Charges may apply for excess wear and tear
  • Ending agreements early can incur penalties
  • Customisation options may be limited

Find Your Fit

Which Finance Option is Right for You?

Choosing the right finance option depends on how your business operates, your budget, and whether ownership is important to you.

Finance Lease may suit businesses that:

  • Want flexibility
  • Prefer lower monthly payments
  • Regularly update vehicles

Hire Purchase may suit businesses that:

  • Want to own the vehicle
  • Plan to keep the van long term
  • Prefer fixed repayment structures

Contract Hire may suit businesses that:

  • Want predictable monthly costs
  • Prefer newer vehicles
  • Do not want ownership responsibilities

At Hawkstone Commercials, we take the time to understand your requirements and recommend the most suitable finance solution for your business.

Hawkstone Finance

Contact Hawkstone Commercials

If you are looking for Finance Lease, Hire Purchase, or Contract Hire for a new van or commercial vehicle, our team is here to help. Speak with our finance specialists and find the right solution for your business.

01656 47 00 55
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Dealer Finance Partnerships: Our dealership may receive a commission from finance agreements depending on the lender, agreement type, finance rate, and term selected. This does not affect our commitment to treating customers fairly and providing clear and transparent finance solutions at all times.

Hawkstone Finance

Finance your next van with confidence

Your trusted partner for flexible and competitive van finance & leasing

Competitive Rates

Access market-leading interest rates tailored to your circumstances

Quick Approval

Fast decision process with same-day approval available

Flexible Terms

Choose from various payment terms to suit your budget

Personal Service

Dedicated finance specialists to guide you through the process

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