Small Business Car Leasing

Lease Not Buy Helps Businesses with Low Net Worth and Credit Limits to lease vehicles.

Looking for affordable financing for your car lease need not be a daunting prospect for your small business or sole trader company. Lease Not Buy takes the stress off the situation with our hassle-free vehicle leasing solutions designed to help you get the car of your choice at the right price.

Lease a Car or Van for Your Small Business

Our team will assist you all the way, starting from the business credit checks stipulated by car leasing requirements to securing financing, before finally handing you the keys to your car or van.

What is Low Net Worth?

If your small business or sole-trader business has a low net worth, it will affect your credit score, which may then have an impact on your ability to raise funds for your car lease. In this case, you may need to submit a director’s guarantee. This guarantee assures lenders that your director will assume personal responsibility for the loan repayments, if necessary. It also enables you to access the funds you need for the car or van lease.

Ask our professionals for help to sort out these leasing requirements to get the most cost-saving option for you.

24 Hour Vehicle Lease Financing Approval

Lease Not Buy  will recommend the right low-risk leasing finance option for your business needs, so you don’t have to put people or work on hold.

New Resources for Businesses at Credit Limit with a Previous Lender

Has your business vehicle leasing plans stalled because you have reached your credit limit with one lender? Lease Not Buy understands the challenges you face as a self-employed sole trader or small business in acquiring funds when you have exhausted your borrowing capacity.

We can connect you with our extensive list of mainstream lenders to get you a new line of credit for leasing the vehicle you want to keep your business moving.

Helping Businesses to Lease Vehicles

Get the right lease option with Lease Not Buy, whatever your net worth or credit situation, even if you are a startup with no credit, a business with financially weak directors, a sole trader or a business with bad credit. We are here to offer you cost-saving solutions!

Our FAQ may also give you answers to some of your business car leasing questions.

Get a Small Business Vehicle Leasing Quote

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Frequently Asked Questions

  • Self-employed Sole Traders
  • Limited Companies, Private Limited Companies (PLC’s) and Limited Liability Partnerships
  • A Partnership with 2 or more partners
  • VAT-Registered companies
  • Local Authorities, embassies, charities
If you have no credit history, it means that you don’t have an established record of borrowing money and repaying it, which can be common for a start-up or a new business. This record forms part of your business credit score, which as an FCA regulated company we are required to check. Lease Not Buy offers financing plans that make it possible for your new business with no credit history to lease the cars or vans you need.
You can still lease a car if you have hit your credit limit with a lender. Lease Not Buy can connect you with other mainstream lenders to get you the approval you need for your car or commercial vehicle lease.

Yes, self-employed workers can qualify for a business car lease. If you run your own business and are self-employed, you can lease a car or van as a sole trader. You will need to supply a personal credit report and 3 months’ banking statements.

You can lease any car or van you want as long as you can meet the monthly payments required. Different vehicles may also require different credit ratings. It’s best to explore your options with Lease Not Buy specialists to find the vehicle best suited to your business budget and needs.

Lenders may offer a higher interest rate for your monthly payments if your credit score is lower than the required rating for the car you want to lease.

Yes, it's a requirement for us as a FCA regulated company. When you apply for a business car or van lease, Lease Not Buy will ask for your credit history from one of the certified credit reference agencies (CRAs) in the UK, as part of the vehicle lease requirements. Or you may contact a CRA yourself and submit the report to us.

No company can guarantee acceptance of your lease application, especially if your credit score is poor. Our acceptance rate is high and it is more than likely that we can help you. What we can guarantee is that our specialists will work hard with you to ensure the right documents like credit reports, etc., are submitted. We can also highlight your business growth projections in support of your applications and recommend finance options that work for both the lenders and your company.

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