Haulage Finance · LendX OS

Vehicle finance that doesn't disappear into Lombard.

NatWest's Lombard→ALD vehicle-finance chain hides the rate you actually pay. Aldermore's MotoNovo delegation (Report 1798122) hands the deal to a broker you never met. LendX OS routes haulage HGV and fleet finance direct — real APR, not representative APR. Direct, not broker-routed. Transparent, not reconciled once a month.

Direct, not broker-routed Real APR, not representative Asset-finance up to £500k Decision in 24–48 hrs
Report 1764519 · Lombard opacity wedge

Lombard's broker channel publishes a single rate card. The deal you submit goes to ALD, the rate ALD pays itself comes back through Lombard's reconciliation — and the number you earn gets opaque. LendX brokers see each deal's commission per row, reconciled the day it's earned.

Get a direct haulage quote

Our Products

Three specialist
haulage finance products.

Each product is built around an asset class hauliers actually run — articulated trucks, last-mile vans, and refrigerated trailers. Direct from your broker to our underwriters, with no Lombard handover and no Aldermore delegation.

HGV Finance

Artics, rigids, and tractor units for haulage operators and fleet owners.

Artics, 18-tonne rigids, and tractor units
Single unit or full fleet replacement
HP, lease, and contract hire structures
Finance from £50,000 to £500,000

Settlement Speed

24-hour fleet decisions, direct underwriter

Van Finance

Last-mile and trunking vans for delivery, plumbers, and regional carriers.

Long-wheelbase, luton, dropside
Single van or staggered fleet roll-out
New and ex-fleet (under 5 yrs / 100k miles)
Finance from £8,000 to £120,000

Settlement Speed

48-hr acceptance for sole-trader applications

Trailer & Refrigerated Unit Finance

Curtainsiders, reefers, and box trailers for temperature-controlled haulage.

Curtainsider, dry van, reefer, and tanker
Matching tractor unit finance available
New and used assets; refurb accepted
Finance from £15,000 to £250,000

Settlement Speed

24-hr quote match with surveyor-ready terms

Haulage finance at a glance

How LendX OS compares to the Lombard-ALD and MotoNovo chains.

Axis NatWest Lombard Aldermore MotoNovo LendX OS
Rate visibility Reconciled monthly, opaque Representative APR only ✓ Real APR per deal, live
Commission reconciliation Lombard chain, end of month Delegated to broker you never met ✓ Per-row, same day
Asset classes Vehicle only Vehicle + light plant ✓ HGV, van, trailer, reefer
Decision speed 3–5 working days Via broker, variable 24–48 hrs

Why LENDX OS for haulage

Built around what
operators actually run.

Lombard's broker channel hides commission behind end-of-month reconciliation. MotoNovo hands the deal to a broker you never met. LendX OS routes haulage finance directly, so the rate and your commission stay visible deal to deal.

Decision speed that matches your operation

24–48 hour decisions. Not weeks. We know hauliers buy on tight procurement windows — our underwriters work to your timeline, not a Lombard calendar.

Direct from your broker to us

No Lombard-ALD handover. No MotoNovo broker delegation. The deal you submit is the deal we underwrite — and the rate you see is the rate we charge.

Per-deal commission visible

Every pound you earn is on the page before it hits your bank. Brokers see real APR and their commission per row — not a Lombard-style single-rate disclosure.

Direct haulage quote

Tell us about your fleet.

We route this directly to our haulage underwriters — no Lombard handover. Quotes back in 24–48 hours.

Handled under our Privacy Policy. No Lombard, no MotoNovo delegation — direct to LendX underwriters.

Bringing Lombard opacity to a halt

Skip Lombard. Get the APR you actually pay.

Haulage finance should reward the operator, not the reconciliation cycle. Submit your deal direct and watch it move through LendX OS — not a third-party chain.

Submit a haulage deal

Rates from 5.9% APR  ·  Decision in 24–48 hours  ·  No upfront fees