Commercial vehicle finance
Vans, trucks and fleets on hire purchase, finance lease or contract hire, new or used, compared across lenders rather than one manufacturer's offer.
Commercial vehicle financeDirector, Capra Finance
Rob Johnston
12 years in vehicle leasing and commercial finance. Rob helps UK businesses fund vans, trucks, plant and equipment, and stays on the deal from the first call to payout.
- 12 yearsVehicle leasing and commercial finance
- Vehicles and hard assetsVans, trucks, fleets, plant and machinery
- Stansted, EssexWorking with businesses across the UK
Background
Premium automotive sales
Rob started on the dealership floor with premium vehicle brands, earning senior sales status and a reputation for customer service. It is where he learned that the monthly figure, not the list price, usually decides the sale.
Vehicle leasing
He moved into vehicle leasing as a consultant, progressed to senior consultant and then into sales management, leading the team, forecasting performance and mentoring newer consultants.
Commercial finance
Rob then moved into commercial finance broking, structuring asset and business funding for UK companies across a wide range of equipment and vehicle types.
Capra Finance
As a director of Capra Finance, Rob leads on direct business customers, commercial vehicles and hard asset finance.
What Rob specialises in
Plant and machinery
Construction plant, agricultural machinery and manufacturing equipment, where the asset, its age and its working life shape the structure.
Construction equipment financeBusiness funding
Business loans and asset refinance for stock, hiring or growth, when the need is not tied to one new asset.
Business loansHow Rob works
- Straight answers first. What the structure is, what it costs each month and what happens at the end, before anything is signed.
- One person on the deal. The person you speak to on day one is the person chasing the lender, the documents and the payout.
- A decline gets a proper look. One lender's no is often about that lender's policy. Rob finds out why and whether another structure or funder is a better fit, without promising an approval.
Guides by Rob
- Hire purchase vs leasing: which suits your business?
- Equipment leasing contracts explained: what to check before signing
- Used commercial vehicle finance: what lenders assess
- Used construction equipment finance: what lenders assess
- What lenders need for an asset finance decision
- Equipment finance providers in the UK: how to compare your options
- UK equipment finance outlook 2027: what businesses should expect
- UK equipment finance market 2026: statistics and trends
- Autumn Budget 2026: what it means for equipment finance
- Garage equipment finance: what can your workshop fund?
- Coffee machine finance: leasing, hire purchase and buying outright compared
- What does a commercial coffee machine really cost each month?
- Coffee machine finance for cafes, restaurants and offices
Speak to Rob
Talk to Rob about your next purchase
Tell Rob what you are buying and when you need it. He will explain the options, the costs and the next step.