TREK FINANCE, BACKED BY AFS

The right vehicle. The right finance. One solution.

Commercial vehicle expertise from Automotivate, intuitive finance powered by Trek Finance, all combined with direct access to more than 100 funders through the multi-award-winning AFS network.

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Funding options

Three routes. One that fits.

Each creates a different balance between monthly cost, ownership and end-of-term responsibility.

Prefer not to own the vehicle at all? Vehicle leasing (Automotivate Leasing) is available as a fourth route, with fixed monthly rentals and the vehicle handed back at the end of the term.

Hire Purchase

A straightforward route to ownership

Best for

Businesses that want to own the vehicle and prefer predictable monthly payments.

Spread the purchase cost over an agreed term
Fixed payments can simplify budgeting
No finance-agreement mileage limits
Suitable for vehicles and many conversions

Payments: Deposit, then regular monthly payments
At the end: Small option-to-purchase fee may apply
Ownership: Yes

Discuss Hire Purchase →

Lease Purchase

Lower regular payments with a planned final payment

Best for

Businesses that want eventual ownership while protecting regular monthly cash flow.

Build a larger final payment into the agreement
Match the profile to business cash flow
Keep the vehicle after all payments
Plan ahead. The balloon is not guaranteed value

Payments: Deposit, monthly payments and balloon
At the end: Agreed balloon payment is due
Ownership: Yes

Discuss Lease Purchase →

Finance Lease

Flexible vehicle use without ownership

Best for

VAT-registered businesses that want a flexible rental structure and do not need legal title.

Flexible rental profile
VAT generally charged across rentals
No mileage limits unless written in
End routes depend on funder and agreement

Payments: Initial rental followed by regular rentals
At the end: Balloon or end arrangement may apply
Ownership: No

Discuss Finance Lease →

Automotivate × AFS

Vehicle knowledge with a stronger route to funding.

Automotivate is part of the AFS franchise network. AFS is an independent asset finance brokerage, not a lender, with an extensive panel and comprehensive compliance capabilities.

Learn about AFS ↗

Wider lender choice

Direct network access to more than 100 funders.

One accountable contact

Vehicle, conversion and finance coordinated together.

Commercial vehicle expertise

Funding shaped around real fleet use and replacement cycles.

Clear process

Documented options and support through to payout.

Frequently asked questions

Useful answers before you decide.

01Which option is right for my business?+

It depends on whether ownership is essential, the monthly budget you want to protect, your expected replacement cycle and your end-of-term plan. We explain suitable structures side by side.

02What does the AFS relationship mean for me?+

AFS has operated since 2005 and gives its network direct access to more than 100 funders, helping Automotivate consider a wider range of suitable funding routes.

03Can you finance a conversion too?+

In many cases, yes. Approval and the eligible amount depend on the vehicle, conversion, funder and your business circumstances.

04Do I own the vehicle at the end?+

Hire Purchase and Lease Purchase normally lead to ownership after all required payments and fees. Finance Lease does not automatically transfer title.

05How quickly could I get a decision?+

Many straightforward proposals receive a decision within 24–48 hours after all required information is supplied. More complex cases can take longer.

06What about VAT and tax?+

Treatment varies by product, vehicle type, use and your circumstances. Confirm the position with your accountant or tax adviser before proceeding.

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