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    • Get In Touch
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    • About Us
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the fleet lab
  • HOME
  • Get In Touch
  • What We Can Fund
  • What We Can Supply
  • Popular Vehicle Finance
  • About Us
  • Cookie Policy

Better deals. No fees. No bias.

 Van finance, fleet funding, asset finance, invoice finance and business loans across Wales and the UK. Hire purchase, finance lease and contract hire for tradespeople, SMEs and growing fleets. Cardiff-based and independent. 


02920 034858

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 ✅ FCA Authorised    ✅ No Broker Fees    ✅ Independent Advice    ✅ 20+ Years Experience 

in stock Special offers

    Our Reviews

     ⭐⭐⭐⭐⭐ "I have been buying my vans from Yohan for over 10 years. Exceptional service every time — great communication, delivery always as promised, and vans arrive in pristine condition. Cannot recommend enough." — Ben Rule 

     ⭐⭐⭐⭐⭐ "We have been dealing with Claire for ten years. She goes above and beyond to ensure her customers get the best deals and service. Excellent customer service — would recommend to everyone." — William Soudan 

    ⭐⭐⭐⭐⭐ "An absolute pleasure to deal with — very responsive and competitive. Definitely the go-to company for vehicles." — Calum Reid

    ⭐⭐⭐⭐⭐ "I have dealt with Claire for a good few years — she goes above and beyond for her customers. When I'm ready for my next vehicle, I'll definitely be giving her a call." — Smashed Up 

    ⭐⭐⭐⭐⭐ "Claire has been looking after both my van needs as well as my wife’s car needs for years now. Amazing service and I can highly recommend her to anyone in the market for a new van or car." -  Willem Van Der Merwe 

    ⭐⭐⭐⭐⭐ Yohan and the team are amazing Great customer services and after care  Highly recommend -  Gareth Morris

    ⭐⭐⭐⭐⭐ We have had a very positive experience working with Yohan for many years and we are sure that this will long continue due to his excellent knowledge and helpfulness.-  Stean Hall

    ⭐⭐⭐⭐⭐  What can I say!  Yohan has dealt with myself for the last 9 years supporting us as a business for our fleet of private ambulances. He is essential to providing the best possible vehicles when we need him too. He has an understanding of our requirements and delivers every step of the way.  Not a pushy man and it’s left in our hands if we want to complete the deal.  Top work Yohan and thank you again for our new vehicle this week.  All the team at stevens family funeral directors in London.- Gary Stevens

    Google Reviews Here! ⭐⭐⭐⭐⭐

    ASSET FINANCE - INVOICE FINANCE - BUSINESS LOANS - CASH FLOW SOLUTION - COMMERCIAL MORTGAGES - FLEET

    ASSET FINANCE - INVOICE FINANCE - BUSINESS LOANS - CASH FLOW SOLUTION - COMMERCIAL MORTGAGES - FLEET

    ASSET FINANCE - INVOICE FINANCE - BUSINESS LOANS - CASH FLOW SOLUTION - COMMERCIAL MORTGAGES - FLEET

    ASSET FINANCE - INVOICE FINANCE - BUSINESS LOANS - CASH FLOW SOLUTION - COMMERCIAL MORTGAGES - FLEET

    ASSET FINANCE - INVOICE FINANCE - BUSINESS LOANS - CASH FLOW SOLUTION - COMMERCIAL MORTGAGES - FLEET

    ASSET FINANCE - INVOICE FINANCE - BUSINESS LOANS - CASH FLOW SOLUTION - COMMERCIAL MORTGAGES - FLEET

     The Fleet Lab was built on one belief — UK businesses deserve independent advice with no sales agenda. Based in Cardiff, we work across Wales and the UK with no lender ties, no targets, and no broker fees.

    WHAT WE CAN SUPPLY

    PANEL VANS

    TIPPERS & DROPSIDES

    LUTON & BOX VANS

    Small to large commercial vehicles, ideal for electricians, locksmiths, couriers, florists, plumbers, builders, caterers, IT services, delivery fleets, tradespeople, NHS & care, racking fit-outs, utilities and events. 

    LUTON & BOX VANS

    TIPPERS & DROPSIDES

    LUTON & BOX VANS

    High volume load space ideal for removals, furniture retail, events, retail distribution, pallet freight, e-commerce, disability equipment, appliances and medical supplies. 

    TIPPERS & DROPSIDES

    TIPPERS & DROPSIDES

    CURTAINSIDERS & FLATBEDS

    Available from 3.5t to 7.5t, ideal for landscaping, groundworks, garden waste, skip hire, demolition, haulage, steel stockholders, scaffolding, plant hire, quarrying, civil engineering and aggregates. 

    CURTAINSIDERS & FLATBEDS

    SPECIALISTS & BESPOKE VEHICLES

    CURTAINSIDERS & FLATBEDS

    Easy-load configuration ideal for pallet and mixed freight, including palletised freight, building materials, manufacturing, national haulage, 3PL operators, retail supply chain, plant hire, construction and wind energy. 

    MINIBUSES & CREWS

    SPECIALISTS & BESPOKE VEHICLES

    SPECIALISTS & BESPOKE VEHICLES

    Seating from 9 to 17 passengers, ideal for staff transport, construction crews, utilities, rail & infrastructure, care homes, schools, sports clubs, airports & hotels, tour operators and local authorities.  

    SPECIALISTS & BESPOKE VEHICLES

    SPECIALISTS & BESPOKE VEHICLES

    SPECIALISTS & BESPOKE VEHICLES

    Purpose-built and converted vehicles for a wide range of specialist applications, including ambulance & patient transport, medical spec, private ambulance, first responders, mobile workshops, racked & fitted vehicles, gas engineers, telecoms, facilities management, horsebox & livestock, equestrian, farming, rural businesses and camper vans. 

    MANUFACTURERS

    MOST POPULAR VEHICLE FINANCE

    Hire Purchase (HP)

    Hire Purchase (HP)

    Hire Purchase (HP)

    Pay a deposit then fixed monthly instalments. The vehicle is yours at the end of the term. Interest is charged on the full amount financed.

    Monthly cost: Medium–high
    Ownership at end: Yes — yours outright
    VAT: 100% reclaimable
    Tax relief: AIA — 100% in year one
    Balance sheet: Asset & liability shown
    Best for: Long-term ownership

    Finance Lease (FL)

    Hire Purchase (HP)

    Hire Purchase (HP)

    Payments are based on depreciation only, so monthly costs are lower. You use the vehicle but never own it. At the end, it's returned or a secondary lease period arranged.

    Monthly cost: Lower
    Ownership at end: No — returned
    VAT: 100% reclaimable on payments
    Tax relief: 100% deductible — commercial vans
    Balance sheet: Asset & liability shown
    Best for: Regular upgraders

    Contract Hire (CH)

    Hire Purchase (HP)

    Contract Hire (CH)

    A fixed monthly rental that can include servicing, tyres and road tax. No residual value risk. Hand it back at the end  subject to fair wear and agreed mileage.

    Monthly cost: Fixed all-in
    Ownership at end: No returned
    VAT: 100% reclaimable on payments
    Tax relief: 100% deductible — commercial vans
    Balance sheet: Off balance sheet
    Best for: Fleet simplicity

    WHAT WE CAN FUND

    HARD ASSETS

    • Vans 
    • Pickups
    • HGVs
    • Coaches
    • Minibuses, Camper vans, Motorhome
    • Construction Equipment 
    • Agricultural Machinery 
    • Plant Machinery

    SOFT ASSETS

    • IT Equipment
    • Office Furniture
    • Office Fit Out
    • Medical Equipment
    • Beauty Equipment
    • Fire Protection
    • CCTV

    BUSINESS LOANS

    • Business Loans
    • VAT Loans
    • Tax Loans
    • Cashflow Loans
    •  Merchant invoice finance 
    • Unsecured Loans
    • Invoice Finance
    • Stocking Loans

    COMMERCIAL PROPERTY

    • Commercial Property
    • Commercial Premises
    • Café / Restaurant
    • Steel Structure Buildings

    PARTNERED WITH

    About The Fleet Lab Ltd

    Our Team

    The Fleet Lab was created by two directors who believed UK businesses deserved something better than sales‑driven advice. From our base in Cardiff, we built an independent, client‑first service shaped by transparency, expertise, and long‑term thinking. No targets. No tied products. Just honest guidance and a commitment to doing what’s right for every business we support. We didn’t set out to be the biggest, only the most trusted.

    Our Services

    Independent sourcing of new and used light commercial vehicles from across the UK market with no dealership bias. Whether you need a single van or a full fleet plan, we help you choose the right vehicles and the right funding structure, backed by clear, end‑to‑end support.

    Flexible, transparent finance solutions designed to protect cash flow and support long‑term growth. From asset finance and sale‑and‑leaseback to tax and insurance funding, we give you a full view of your options through one trusted relationship.

    Get In touch

    We're here to help

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    The Fleet Lab Ltd

    91 Rhyd-Y-Penau Road, Cardiff CF23 6PZ, UK

    02920034858

    Hours

    Open today

    09:00 am – 05:00 pm

    Copyright © 2026 The Fleet Lab Ltd - All Rights Reserved.
     

    The Fleet Lab Ltd | Company No. 16976022 | Registered in England & Wales

    Registered office: 91 Rhydypenau Road, Cardiff, CF23 6PZ

    VAT Registration No. 512 6931 03

    The Fleet Lab Ltd is an appointed representative of Commercial and Asset Finance Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Registration No. 729014). Commercial and Asset Finance Ltd is registered in Scotland (No. SC334879), registered office: 11 Walkinshaw Street, Johnstone, PA5 8AF.

    The Fleet Lab Ltd acts as a credit broker, not a lender. We do not charge fees for our brokerage services. Finance is subject to status and eligibility.

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