the fleet lab

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    • HOME
    • About Us
    • What We Can Fund
    • What We Can Supply
    • Popular Vehicle Finance
    • Get in Touch

the fleet lab

the fleet labthe fleet labthe fleet lab
  • HOME
  • About Us
  • What We Can Fund
  • What We Can Supply
  • Popular Vehicle Finance
  • Get in Touch

Think of us as your funding laboratory. The Fleet Lab delivers nationwide commercial finance solutions bringing together vehicles, equipment, and premises, all tested and tailored to your business.

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About The Fleet Lab Ltd

Our Team

Our Services

Our Services

 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 ri

 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

Our Services

Our Services

 Commercial Vehicles

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.

 Commercial Finance

Flexible, transparent financ

 Commercial Vehicles

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.

 Commercial Finance

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.

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
  • Unsecured Loans
  • Invoice Finance
  • Stocking Loans

COMMERCIAL PROPERTY

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

WHAT WE CAN SUPPLY

PANEL VANS

TIPPERS & DROPSIDES

LUTON & BOX VANS

Small to large for Electricians, Locksmiths, Couriers, Florists,  Plumbers, Builders, Caterers, IT services, Delivery, fleets, Trades people, NHS & care, Racking fit-outs, Utilities Events...

LUTON & BOX VANS

TIPPERS & DROPSIDES

LUTON & BOX VANS

High volume load space for Removals, Furniture retail, Events, Retail distribution, Pallet freight, e-Commerce, Disability equipment, Appliances, Medical supplies...

TIPPERS & DROPSIDES

TIPPERS & DROPSIDES

CURTAINSIDERS & FLATBEDS

3.5t to 7.5t.  Landscaping, Groundworks, Garden waste , Skip hire, Demolition, Haulage, Steel stockholders, Scaffolding, Plant hire,  Quarrying, Civil, engineering, Aggregates...

CURTAINSIDERS & FLATBEDS

SPECIALISTS & BESPOKE VEHICLES

CURTAINSIDERS & FLATBEDS

Easy-load flatbed for pallet and mixed freight.  Palletised freight, Building materials, Manufacturing,  National haulage, 3PL operators, Retail supply chain,  Plant hire, Construction, Wind energy....

MINIBUSES & CREWS

SPECIALISTS & BESPOKE VEHICLES

SPECIALISTS & BESPOKE VEHICLES

9 to 17 seats. Staff transport, schools, care.  Construction crews, Utilities, Rail & infrastructure,  Care homes Schools, Sports clubs,  Airports & hotels, Tour operators, Local authorities... 

SPECIALISTS & BESPOKE VEHICLES

SPECIALISTS & BESPOKE VEHICLES

SPECIALISTS & BESPOKE VEHICLES

Ambulance & patient transport
Medical spec, Private ambulance, Patient, transport, First responders, Mobile workshop
Racked & fitted, Gas engineers, Telecoms, Facilities management, Horse box & livestock
Equestrian, Farming, Rural businesses, 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

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

Hire Purchase (HP)

Contract Hire

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
VAT100% reclaimable on payments
Tax relief: 100% deductible — commercial vans
Balance sheet: Off balance sheet
Best for: Fleet simplicity

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The Fleet Lab Ltd

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

02920034858

Hours

Mon

09:00 am – 05:00 pm

Tue

09:00 am – 05:00 pm

Wed

09:00 am – 05:00 pm

Thu

09:00 am – 05:00 pm

Fri

09:00 am – 05:00 pm

Sat

Closed

Sun

Closed

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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