• UK BASED BUSINESS With uk call centre
  • no hidden costs
  • flexible finance terms

Van and Commercial Vehicle Finance

We have been sourcing, supplying and funding vehicles for over 20 years. With a panel of lenders offering flexible finance at the best possible rates we can tailor a solution that gets you into your perfect van today. We are passionate about not only finding our customers the right van for their business but also the right way to finance it.

We will arrange the ideal funding solution whatever your requirements. We specialise in financing for individuals and businesses and can arrange finance for a wide range of business models.

We offer vans and commercial vehicles on a variety of finance options, including; Hire Purchase (HP), Finance Lease (FL), Business Contract Hire (BCH), Contract Purchase (CP), Personal Contract Purchase (PCP), Lease Purchase (LP) and Outright Purchase.

We are unique in the market to be able to offer our customers the ability to not only fund their van but also add to the agreement:

  • Equipment, such as jetters, ply-lining, shelving, window frails, to name but a few
  • Sign writing
  • Vehicle maintenance

BCH - Business Contract Hire

Business Contract Hire (BCH) is a finance option offered by Complete Vehicle Management. This is suitable for companies and individuals registered for VAT. The main advantage is that the VAT portion is up to 100% recoverable on a commercial vehicle. This is not a suitable option for an individual who is not VAT registered.

If you're VAT registered, the VAT portion of your payment is 100% recoverable if the vehicle is used solely for business use and can be offset against your company's taxable profits. This figure drops to 50% if the vehicle is also available to the driver for personal use.

The vehicle will be hired for a set period of time – typically between 24 and 60 months – and monthly rentals are set based on agreed mileages.

Other benefits of contract hire include:

  • There is no risk of depreciation leaving you with an unexpected cost in the future. With no ownership risk on your part, all you need to adhere to is mileage restrictions and wear-and-tear regulations to ensure your monthly costs are all you will pay.
  • There is the option to have all your maintenance costs included in your monthly rental.
  • Administration relating to your vehicles is reduced. For example, vehicle tax is renewed automatically.
  • Your payment is purely a rental, so it sits off your balance sheet, avoiding being classed as a depreciating asset.

FL - Finance Lease

Finance Lease (FL) is a finance option offered by Complete Vehicle Management.

Finance lease provides the option for VAT-registered users to pay for vans off balance sheet, spreading the cost of the VAT to the monthly payments rather than requiring payment up front as is the case with a purchase product.

You can choose to lease your van with or without balloon payment due at the end of the initial lease period. Monthly payments will be reduced during the rental if you choose the balloon option.

Once the initial lease period has ended, you will have the option to sell the van on behalf of the finance company and pay them a percentage of the sale price (normally 5%) or extend the lease, paying only a peppercorn rental.

Note that if you choose the balloon payment option to reduce your rental, this will need to be settled as part of either of these options.

HP - Hire Purchase

Hire Purchase (HP) is a finance option offered by Complete Vehicle Management. Simply:

  • Pay a deposit (minimum of all the VAT)
  • Pay monthly instalments over an agreed time
  • Once all payments have been made you will own the van

It is different from other types of borrowing because you don’t own the van until you have paid in full. Under an HP agreement, you hire the van and then pay an agreed amount by instalments. You may settle the agreement at any time.

This is a simple finance option and comes with many benefits:

  • Fixed monthly payments suited to your budget
  • Available over payment periods between 24 and 60 months
  • Able to borrow between £3,000 to £50,000
  • The interest rate is fixed and competitive
  • Available on vans up to 10 years old at the start of the agreement
  • There are no mileage restrictions


Disadvantages of Hire Purchase

  • You won’t own the asset until you have made the final hire purchase payment. 
  • While spreading the cost of an asset is in most situations a benefit, you have to be willing to commit to the payments for the duration of the term.

CP - Contract Purchase

Contract Purchase (CP) is a finance option offered by Complete Vehicle Management. This finance option is suitable for those looking for a van for their business and is a great way to pay monthly payments and have the option to own the van at the end of the agreement.

There are many benefits to Contract Purchase:

  • Flexible deposit, mileage and terms to suit your circumstances
  • Set payments to suit the business budget
  • Fixed payments over the finance term so you know exactly what you need to pay every month
  • You can include maintenance in the monthly payment

There are three options at the end of agreement:

  1. Pay off the deferred amount in full and keep the van (please note, you do not own the van until you make this final payment)
  2. Hand the van back to the finance company
  3. Trade the van in against another van

Disadvantages of Contract Purchase:

  • The vehicle will not belong to you until you have made all payments due under the contract.
  • If you hand the vehicle back and have exceeded your annual mileage you will be charged at the pence per mile as detailed in your agreement.

LP - Lease Purchase

Lease Purchase (LP) is a finance option offered by Complete Vehicle Management. You make regular monthly payments and you will own the van at the end of the agreement, you do not get different options at the end like you do with Contract Purchase.

You will normally need to pay an advanced sum (usually 3-6 advanced monthly payments) which is equivalent to a deposit and there will be a deferred sum that must be pad at the end of the agreement, which once paid means you own the van.

The advantages of a lease purchase finance option are:

  • You own the van at the end of the agreement (once final deferred sum has been paid)
  • Gives your business immediate cash flow benefits
  • Available over payment periods between 24 and 60 months
  • Fixed interest rate


Disadvantages of Lease Purchase:


  • The balloon payment must be paid for at the end of the contract 
  • The vehicle is yours once you have paid the balloon payment. In some cases the balloon can be higher than the residual value 


Outright Purchase

If you would like to purchase the van outright, you are also able to do this at Complete Vehicle Management, simply ask us for the cash price.



Contact Us



CVM Group Used Car

Christchurch Scouting

Exciting news. This week we have purchased a new minibus. Looking forward to having our stickers and logos put on it in the coming weeks. We have to say a massive thank you to the team at CVM Car, Van & Minibus Leasing Group especially Rob who we dealt with. A very professional service with staff who go above and beyond to help. We hope to work with you again in the future.

CVM Group Used Car

Tracey Hemming

We were looking for a minibus for our day centre. Which our service users had been fundraising for in 2019. We came across CVM and made enquires of which Ben got back in touch ASAP on chatted with me what requirements I wanted. At no point did I feel he was pressuring me into purchasing any stock that they may have already had, which is unusual from previous experiences with contacting other companies!
He had a bus come in and brought it to show us , which I must add is over 120 miles away. My own mechanic checked it over again he was more than happy to drive it to the garage nothing was to much trouble.
He spent a couple of hours with us and we decided to have the bus. Our current bus is green and yellow and we are known for it. He asked if we were getting it wrapped but I explained we will but couldn’t afford it at the moment.
That evening I received the most loveliest email from Ben saying that our service users had touched his heart and he felt humbled to meet them and was going to see if his company would help with the cost to get it wrapped. Well to Freedoms amazement the company along with Solent Signs agreed to cover all costs and sign write it as well!!
This really is such a generous and kind gesture which you don’t come across often especially if there’s no connection to you which being so far away there isn’t.
Everyone at Freedom day centre really can’t thank you all enough. We will be forever grateful.
Ben CVM should feel privileged to have you working for them. Your a credit!!
Anyone thinking of purchasing a bus look no further than CVM you won’t be disappointed I can assure you.
Love all from Freedomdaycentre.co.uk

Tracey Mason

Thanks for all your help on our Minibus Hire & going above & beyond to help us out on our short term hire as well. Much Appreciated. Have a good one.

Peter H

very welcoming and happy to help.....it was a pleasure to deal with happy professional people that don't do the hard sale but make it an easy ,quick and informative experience ...... i fully recommend using them

CVM Group Used Car

Andrew Johnston Franchise Owner Metro Rod Glasgow

We at Metro Rod in Glasgow have been using CVM and Jason in particular to purchase our vehicles for a number of years.  CVM make the process simple and straight forward, organising  everything from finance to delivery and everything in between.  I couldn't recommend them highly enough.

CVM Group Used Car

Mike Yates - Managing Director Metrorod Mid-Lancs

I originally approached Jason at CVM to quote for the supply of vans for our business. I also approached other companies at the time. Jason was by far quicker responding with quotations always the same day usually within an hour or so. We decided to use CVM based on response time and also their willingness to find the deal that's right for the customer.

Originally we used CVM to supply the vans only, but over time we have now developed a relationship where they will fit the van out to your exact specification including shelving, lighting and jetter plus any other requirements and as a bonus it comes liveried which we find difficult to source locally at a competitive price.

The main advantage to us is the van turns up ready for work, put the tools on and throw in an engineer and its out earning on day 1, add to this that its 1 finance deal for the van fully kitted out which saves time back in the office.

I would not hesitate to recommend CVM to anybody looking to purchase a vehicle only or fully kitted van pack.

CVM Group Used Car

P Ellwood - Eggar's School

"Huge thanks to all at CVM for their professionalism, dedication, attention to detail and total patience whilst we altered the artwork on infinite number of times. The minibus looks fabulous and, once we had made our minds up, the turnaround time was swift. Value for money with an efficient and friendly helpful team. Totally recommended."

CVM Group Used Car

P Isaacs - Thornden School

"I came across CVM at the Hampshire Minibus event in July and was impressed with their product and the service they offered. Having carried out a detailed comparison survey including costs, CVM represented the best value for money. This was the first time that Thornden School has leased a minibus and I have to say that the process was uncomplicated and hassle free for me. On top of that, the minibus arrived 2 days ahead of schedule."

CVM Group Used Car

S Watts - Beeston Hall School

"I’m pleased to say that my dealings with the CVM Group from start to finish have been impeccable. They have been so helpful along the way and assisted me promptly with each and every one of my queries. From supplying and resupplying budget figures, to advising and facilitating how to obtain a section 19 permit, they couldn’t have been more helpful. And our 2 brand new and branded minibuses look amazing. A big thank you to all the team at CVM!"

CVM Group Used Car

P Kirkbride - King's School Grantham

"Dear All, From time to time colleagues ask for recommendations on new minibuses. We have just had fantastic service from CVM Minibuses in Fareham and I strongly recommend them to you. Their graphics team did a fantastic job for us. This recommendation is written totally off my own bat and not at the request of the company."

CVM Group Used Car

D Tomkins - Holy Family Catholic Primary School

"Many thanks to all at CVM Group. You were so helpful organising our Partnership mini bus for us, and ironed out quiet a major obstacle at the last minute, efficiently and professionally. At each step the communication between CVM and the schools was open and free flowing, ensuring that the schools felt confident and reassured.The finished artwork and look of the bus was just as we imagined, no small feat considering the amount of artwork that the pupils of three primary schools can produce. It must have been quite a challenge.Once again thank you for all your assistance we truly appreciate it."

CVM Group Used Car

T Sutherland - Blackheath High School

"Leasing vehicles is not just about vehicles – it’s about the people who provide you with those vehicles, and the service they can offer. Every leasing company can provide the same vehicle, but not everyone can provide the same level service and care. The service provided by CVM felt personal.; they listened and, It’s all about that ‘plus 1 factor’ that made me make the right decision and lease my 4 new Ford Transit Minibuses from CVM. Thanks for making it easy."


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