Business PCP Car Finance
Business PCP Car Finance
Looking at Personal Contract Purchase (PCP) for your company vehicles? Click Away Finance is a credit broker; we don’t lend money ourselves, but we work with a panel of UK lenders to help match your business with a PCP agreement that fits your cash flow, mileage, and vehicle needs.
Vehicle Finance
Click Away Finance can offer finance for all types of motor vehicles, not only car finance. We will help source the right vehicle for you. As well as arranging a competitive finance offer tailored to meet your individual circumstances.
Here’s how it works:
Initial Deposit Generally 10–30% of the price of the vehicle (subject to status). £0 deposit may be possible depending on the vehicle and lender.
Option to Purchase:
Option to Purchase At the end of term, remit the pre-arranged fee (typically £10) to become owner—a simple and guaranteed process
What is Business PCP?
Business PCP is a way of financing a company car (or several) without paying the full purchase price up front. You make monthly payments over an agreed term, with a larger “optional final payment” at the end if you want to keep the vehicle. If you don’t want to keep it, you can hand it back (subject to mileage and condition terms) or use any remaining value towards your next vehicle.
It’s commonly used by limited companies, LLPs, partnerships, and sole traders for executive cars, pool cars, and smaller commercial vehicles.
WHY CHOOSE US
Flexible Options
From Hire Purchase (HP) to Personal Contract Purchase (PCP), we’ll guide you through tailored finance solutions that fit your needs.
Credit Friendly
We believe everyone deserves to own a car. Even with past credit issues, our trusted lenders are here to support your application.
Quick Apply
Apply online in just a few minutes. Decisions are usually quick, though timing can vary by lender and your circumstances.
Low Rates
We compare rates across our panel of lenders to find one that suits your circumstances
Get the Right Vehicle for Your Business
We simplify matching vehicles to your day-to-day operations and budget.
Company Cars & Executive Vehicles
We arrange PCP on top executive models from Mercedes, BMW, Audi and others—professional image, fixed costs.
Commercial Vehicles & Vans
Leave cash available for growth and equip your team. PCP across a range of vans spreads the cost without heavy upfront outlay.
Environmentally Friendly & Electric Vehicles
EVs or PHEVs on the agenda? We can quote Electric Car PCP in conjunction with ICE equivalents to enable a total cost of ownership comparison.
When PCP can suit a business
- You want lower monthly payments than Hire Purchase, in exchange for a final balloon payment if you choose to keep the car
- You’re likely to want to change vehicles every few years rather than keep them long-term.
- You want flexibility at the end of the term: keep, return, or part-exchange
- You want to own the vehicle outright at the end without a large final payment (Hire Purchase may suit)
- You don’t want ownership at all and prefer to keep vehicles off the balance sheet (Lease may suit)
- Your mileage is high or unpredictable, which can affect PCP end-of-term costs
We can talk through which structure fits your situation when you get in touch. This page is general information, not personal financial advice.
Is PCP right for your business?
PCP isn’t automatically the best option for every business; it depends on how you use the vehicle, your cash flow, and what you want to happen at the end of the agreement.
Read more about company car finance
How the application process works ?
- Tell us about your business and the vehicle(s) you need
- We match your enquiry against lenders on our panel and outline the options, including representative costs where applicable
- You choose whether to proceed we’ll explain the pros, cons, and what happens next before you commit
- Once you’re happy, we help arrange the paperwork through to vehicle handover
Eligibility
We can generally consider applications from:
- Limited companies (Ltd)
- Limited Liability
- Partnerships (LLPs)
- Partnerships
- Sole traders
New businesses are considered on a case-by-case basis. All finance is subject to status, and individual lender criteria will apply.
Important information
We are a credit broker, not a lender
Click Away Finance Ltd is a credit broker, not a lender. FCA number: 1041179. We’re authorised and regulated by the Financial Conduct Authority, registration number. You can check this on the Financial Services Register at register.fca.org.uk.
We may receive a commission from the lender we introduce you to.
Frequently Asked Questions
This depends on the lender and your circumstances, some agreements are available with no deposit, though a deposit usually reduces your monthly payments. We’ll confirm what’s available to you during your application.
You can pay the optional final payment to keep the vehicle, return it (subject to mileage and condition terms in your agreement), or use any remaining value towards your next vehicle.
Yes, we can help with single vehicles or small fleets. Larger fleet requirements may be referred to a specialist lender on our panel.
Applications are subject to status and typically involve a credit search. [COMPLIANCE TO CONFIRM EXACT WORDING ON SOFT/HARD SEARCH STAGES BEFORE PUBLISHING.]