UK business loans for taxi and private hire operators
Black cabs, private hire fleets, single-driver operators. Vehicle finance dominates; single drivers face different lender appetite from fleet owners.
Cash-flow shape
Daily card-flow plus app-platform settlements. Volatile by area and event. Fuel and maintenance variable.
Products that fit
- Vehicle asset finance for taxis (especially purpose-built)
- Working-capital term loans for fleet operators
- Card-flow MCA for high-volume drivers
Top UK lenders for taxi and private hire operators
- Specialist taxi-finance lenders
- Aldermore
- Capify (MCA against card flow for established drivers)
- Manufacturer finance arms
Typical tickets
£10k to £250k
Watch outs
- Local authority licensing affects underwriting.
- TfL Hackney Carriage requirements differ from PHV.
- Owner-driver structure limits what mainstream lenders engage on.
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Open our /get-quotes/ matcher →Last reviewed: 2026-04-26.