The standard double trailer is the most common way to travel horses in Britain, and the easiest equestrian asset to buy but not always to fund.
Whole-of-market — 60+ lenders searched, including
Yes, subject to the value being high enough for a funder to write an agreement. Two horse trailers from established makers are sought after, hold their value strongly and have a deep second hand market, which makes them sound security. The limitations are practical rather than about the asset: values sit at the lower end of what many funders will consider, and the absence of a V5C means identification relies on the chassis number. Private owners will normally be in regulated consumer credit; a yard or riding school buying one is on unregulated business terms.
Used kit: Yes — used double trailers are bought and funded constantly, and examples of fifteen to twenty years old remain viable where the floor and tyres are sound.
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Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. A quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 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. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
Double trailers are the classic example of an asset that is excellent security but awkward to finance. They depreciate slowly, they are in constant demand from first time owners, and a well kept example from a leading maker can still fetch strong money after many years — all of which an underwriter likes. The problem is scale. The sums involved are modest, so a number of funders simply do not operate at that level, and the panel is smaller than the quality of the asset would suggest. Buyers often improve their options by funding the trailer alongside the towing vehicle, or within a wider equipment package. Trailer theft is a real risk, so funders value a recorded chassis number, security scheme registration and evidence of secure storage. Towing entitlement depends on your licence date — confirm it with the DVLA.
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 |
|---|---|
| Ifor Williams HB506 | Two horse rear unload trailer |
| Ifor Williams HB511 | Larger two horse trailer |
| Ifor Williams HBX511 | Front unload two horse trailer |
| Ifor Williams HBE511 | Two horse trailer with extra height |
| Cheval Liberte Touring Country | Two horse trailer with tack room |
| Cheval Liberte Gold Two | Two horse trailer with front ramp |
| Cheval Liberte Optimax | Wide body two horse trailer |
| Bockmann Duo | German built two horse trailer |
| Bockmann Champion | Two horse trailer with tack area |
| Equi-Trek Space-Treka | British built two horse trailer |
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Families with two horses or ponies who need to get to shows and clinics, owners who share transport costs with a friend, and yards keeping a trailer available for routine vet and farrier trips. The trigger is usually a second horse arriving, or the realisation that borrowing transport every weekend has become unworkable once the competition season is in full swing.
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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.
Because the administrative cost of writing, documenting and administering an agreement is broadly the same regardless of size, so smaller agreements are uneconomic for some funders. It is not a reflection on the trailer, which is excellent security. It simply means the panel is narrower and it is worth asking a broker rather than approaching lenders at random.
Often yes, and it is a sensible route. Combining them creates a single agreement of a size funders are comfortable with, and the towing vehicle is straightforward to value. This works particularly well where a business is buying both, since it can be arranged as one business facility rather than two separate agreements.
It influences their conditions rather than their appetite. Expect questions about where the trailer is kept, whether it has a hitchlock and wheel clamp, and whether the chassis number is registered with a security scheme. Good security arrangements also matter for your insurance, so the two conversations tend to happen together.
They tend to be popular with buyers who find rear unloading difficult with a nervous horse, and that demand supports resale. Funders do not generally differentiate on the feature itself, but anything that widens the pool of future buyers helps the valuation, and front unload models sell readily in the used market.
The original purchase invoice if available, the chassis or serial number recorded clearly, any service or brake inspection records, and confirmation in writing that the trailer is owned outright. Without a V5C, this paper trail is your only proof of provenance, and a funder will want to see it before advancing money.
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 07581 364281 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.