Apply for Finance
Tell us what you need. We match your application to the right lender on our panel and come back with a decision within 1 working day.
Why apply through us
One application, a panel of lenders, honest guidance
Panel of FCA-authorised lenders
We submit your application to the lender most likely to say yes at the best rate for your profile. That's specialist business lenders, major high-street finance houses, and credit-recovery lenders where needed. One application, multiple doors.
Soft credit check first
The initial check we run on your application doesn't affect your credit score. We only escalate to a hard search once a lender is confirmed and you've agreed to proceed. No surprise marks on your file from speculative applications.
Honest on decisions
We tell you straight what the lender wants to see and what's likely to get declined before the formal application goes in. If you've had credit issues, we'll suggest structure (higher initial rental, shorter term, personal guarantee) that might open doors a vanilla application would not.
Quick turnaround
Straightforward business applications approve within 24 hours. More complex cases (adverse credit, limited trading history, non-standard structure) take 2 to 5 working days as we match you to specialist lenders. We tell you realistic timeframes up front.
Finance across all four routes
Contract hire, finance lease, hire purchase, outright finance loans. We'll quote whichever suits your business best, with side-by-side comparisons so you can see total cost, tax treatment and end-of-term position before deciding.
Local family-run dealership
You apply with a Porthcawl team that answers the phone and chases the paperwork. No bouncing between broker, dealer and lender with three different reference numbers. One name, one deal, start to finish.
Application FAQs
Common questions before you apply
Will applying affect my credit score?
Not initially. The first check we run is a soft search that does not leave a visible footprint on your credit file and has no effect on your score. A hard search only happens once a lender has confirmed they want to proceed and you have agreed to go ahead. We always tell you before a hard search is run.
How long does the whole process take?
From application to van-on-your-driveway: about 2 to 3 weeks for stock vans, 2 to 4 months for factory-ordered vans (dependent on manufacturer build slot). The finance decision itself is usually 24 hours for straightforward cases, 2 to 5 working days for more complex applications.
What if I have adverse credit history?
We work with a panel of lenders including some that specialise in adverse credit. Options usually involve a higher initial rental, a shorter term, or a personal guarantee to offset the risk. We run a soft check first and tell you honestly whether the application is likely to succeed before anyone formally applies.
Can a start-up business apply?
Yes. Start-ups with under 12 months of trading can still apply, though rates are usually higher and the lender often asks for a director's personal guarantee. An accountant's letter, 6 months of business bank statements, or a forecast cashflow supporting the application all help. Limited companies need to be registered at Companies House.
Do I need to have a specific van picked out?
No. If you know the van you want, tell us the spec. If you don't yet, tell us about the work the van needs to do and we'll suggest options. We quote finance on whatever vehicle you end up choosing, so the application process is essentially the same either way.
What information do I need to have ready?
For a limited company: business name, registered address, director names, 12+ months of trading history. For a sole trader or partnership: trading name, business address, National Insurance number, SA302s or accounts for the last 12-24 months. For all applicants: ID (driving licence and proof of address) and bank details once approved. We'll ask for what's needed as we go rather than making you upload everything up front.
Sion Jones Commercials Ltd is an independent commercial vehicle dealership. We are not authorised or regulated by the Financial Conduct Authority and do not provide finance directly. Any finance arranged is provided through carefully selected third-party brokers and lenders who are authorised and regulated by the FCA. All finance is subject to status, affordability and lender approval. Full terms and conditions are available on request.