Asset Finance

Horses can be an expensive hobby as well as an expensive business to run. Funding can help.


For Your Equestrian Needs

CARMERCIAL Asset Finance are experts in the financing of equestrian assets for your business. We are able to provide finance options allowing you to spread the cost of Horse Boxes and Horse Lorries.

Additionally, we can help finance stabling, ménage construction, rehabilitation equipment, machinery & much more, giving you the potential to expand all aspects of your equestrian business; or even start a new venture.

Our experience and knowledge of the equine industry makes us the first choice for all equestrian asset financing.

Get in touch today to discover what funding is available to you!

Horseboxes & Vehicles
Buildings, gallops & arenas
Equestrian machinery
Yard facilities
Rehabilitation Equipment

Please note that whilst this list is extensive it is not exhaustive. Please contact us with any Asset queries you may have.

Finance products for equestrian industry

Hire Purchase

HP is a secured loan on your asset. It allows to acquire the asset immediately with a small deposit. You pay monthly instalments over the agreed term which spreads the cost of your investment. At the end of the term you can pay a nominal 'option to purchase' fee and you will own the asset outright.

HP helps keep capital in your business making it easier to budget. It is a popular finance product for businesses looking to purchase machinery, vehicles. Construction and agricultural equipment.

Capital Release

Refinancing the current assets on your balance sheet is a great way to get a cash injection in to your business. We buy the asset from you and you buy it back from us on a Hire Purchase agreement over an agreed term.

Improved cash flow and available funds can be used to acquire additional assets or put to use in any part of your business you choose. At the end of the refinance term you will once again own the asset.

Finance Lease

A finance lease can be set up as a full pay out agreement or with a balloon payment on the end. This allows you to acquire the asset without having to buy it outright. You chose what deposit you'd like to pay and the length or term. Rentals are paid each month and at the end of the contract you can return the asset to the funder, sell and keep a portion of the income or continue using the asset in a secondary rental period.

This flexible finance agreement provides a low initial outlay, VAT can be reclaimed on rentals and the cost can be offset against pre-tax profits.

Operating Lease

An Operating Lease or Contract Hire as it's also known allows you to rent the asset over an agreed term. A residual value (rv) is set by the funder based on the value of the asset at the end of the term.

Payments will be lower than that of an HP as you are only funding the depreciation of the asset during the time you have it, not the full cost of the asset as you would do if financing to own. At the end of the term you hand the asset back and walk away meaning you have less hassle trying to sell or trade-in the  for a new one.

We come from an Equestrian background and know that anything 'horse' can be costly.

Owning horses is a full time job and they become more than just a pet.

Have your horse travel in style with a new horse box or lorry  - financing it may not be as dear as you think!