luxury horsebox finance
Bespoke boxes with full living accommodation are a different proposition again, both to buy and to fund, because so much of the value is in the build.
Whole-of-market — 60+ lenders searched, including
Can you finance a luxury horsebox?
Yes. Luxury horseboxes are funded, though the panel is narrower and the underwriting more individual. These are bespoke or semi bespoke vehicles with kitchens, washrooms, sleeping accommodation and often a rear lounge, built to order by specialist coachbuilders. Because each one is different there is no simple book value, so funders rely on the builder’s reputation, the specification and comparable sales. Professional yards and competition businesses buy these as working assets on unregulated business terms. Private owners buying for their own competition use may be in regulated consumer credit, which narrows the available funders further.
Used kit: Yes — used luxury boxes fund well because the build quality endures, and ten to twenty year old boxes from respected coachbuilders remain in demand.
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What would a luxury horsebox cost per month?
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
How lenders treat it
The build is the asset here. A bespoke box from a coachbuilder with a waiting list holds value remarkably well, because the next buyer would otherwise wait many months for a new slot. A box from an unknown builder, or one with a highly personalised specification, is harder because the resale audience shrinks. Funders therefore look closely at who built it, when, and how individual the interior is. Staged builds create a second issue, since a vehicle under construction is not yet an asset a funder can take security over, so payment usually happens on completion and registration rather than during the build. Purpose determines the agreement type as elsewhere: a professional yard is on unregulated business terms, a private competitor is likely to need a consumer credit funder, and those are fewer at this value.
Makes and models we fund
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Oakley Supreme horseboxes | Top specification coachbuilt horsebox |
| Oakley HGV horseboxes | Luxury HGV horsebox with living |
| KPH bespoke horseboxes | Custom built luxury horsebox |
| Bloomfields Signature | High specification luxury horsebox |
| Whittaker luxury horseboxes | Bespoke luxury horsebox build |
| Equi-Trek Elite | Luxury living horsebox |
| Bockmann Portax luxury trailers | Premium horse transport trailer |
| Theault Optimum luxury range | French luxury horsebox |
| Mercedes-Benz Atego 1523 chassis | Luxury horsebox base chassis |
| Slide-out living and bespoke fit-out | Custom living accommodation build |
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Who buys one
International competitors who effectively live in the box for weeks at a time during the season, owners with grooms who need proper accommodation, and businesses that use the vehicle for hospitality at events as well as transport. The trigger is often a step up in competition level, or the realisation that hotel costs and travel logistics across a full season justify the investment in a box that sleeps the whole team.
Get a quoteor call 0333 772 4864
How it is treated for tax
Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
luxury horsebox finance questions
Can I fund a box that is still being built?
Usually the funder pays on completion, when the vehicle exists, is registered and can be inspected. Stage payments to the builder during construction are generally made by the customer from their own funds. Some business buyers can arrange alternative structures, so discuss the build timetable with us before you place the order.
Does a highly personalised interior hurt the value?
It can. Bold colour schemes, embroidered names and very individual layouts narrow the pool of future buyers, and funders lend against what the box will be worth to someone else. A high quality build in a neutral specification tends to hold value better, which in turn makes the finance easier to arrange.
Are imported European boxes harder to fund?
Not necessarily, but the vehicle needs to be UK registered with a V5C before drawdown in most cases, and the timing of registration has to be built into the plan. German and Dutch built boxes are well regarded and trade actively in the UK, so the marque itself is rarely the obstacle.
Will the funder want a valuation?
On bespoke vehicles, often yes. Because there is no standard trade figure, an independent valuation or a detailed build specification from the coachbuilder helps the underwriter arrive at a number. Gathering the build sheet, photographs and any recent comparable sales before applying will speed the process up noticeably.
Can hospitality use be part of the business case?
Yes, and it can strengthen it. Where the box is genuinely used for client entertaining, sponsor hospitality or branding at events as well as transport, that is business use and supports an unregulated agreement. Be prepared to explain the commercial rationale, particularly if the trading history behind it is short.
Get a quoteor call 0333 772 4864
Also in horsebox and horse trailer finance
- 3.5 tonne horsebox finance
- 7.5 tonne horsebox finance
- HGV horsebox finance
- horse trailer finance
- used horsebox finance
- horsebox conversion finance
- competition horsebox finance
- horsebox refinance
- private sale horsebox finance
- two horse trailer finance
See everything we fund in horsebox and horse trailer finance →
Not an offer of finance. All finance is subject to status, affordability and lender approval.
Get your quote
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.