small business loan

fguk

With a trading history that long, surely you can get a lease car from someone through the company without issue.

If you are sensible like you plan, you can get something very tax efficient, fuel efficient and with a good image for your company.

Try http://www.lingscars.com for some great deals.

Come to think of it, you should be able to get a cheap lease car personally as well.

cavework

Go to the bank .. tell them you need a loan for a business vehicle and you want it sign written as it is to advertise your Company,. The vehicle will become an asset of your Company and you will still be able to claim wear and tear , along with all the other tax allowances relating to a Company vehicle.
When you insure tell them it will be sign written.
a lease car is not an asset and TBH if things ever go pear shaped .. the lease company are not forgiving.
Just depends if you really want to build the assets of your Company along with the profits.

CleanShirt

I'm sure it varies, but I know of a particular bank that would lend on up to a 5 yr basis on a loan for a new car but only 3 years for used. Depending on your monthly average turnover compared to the proportion of that which is taken by the loan repayments, indicate its affordability ie they will only go up to a certain percentage taken up by the payments. As has been mentioned, best to go with the bank you use as they can see your average monthly balance and can lend more knowing this as you are less of a risk.