For a park operator the caravans are stock in trade, and funding them is a commercial decision driven by occupancy and the season ahead.
Whole-of-market — 60+ lenders searched, including
Yes. Units bought by a park operator for hire or for resale to customers are business assets, so the agreement is unregulated business finance rather than regulated consumer credit, and a broader panel applies. The funder is lending to the park business, which changes the assessment entirely: occupancy rates, booking income, the site licence, land tenure and filed accounts all matter more than the individual caravan. Operators who own their land are in a materially stronger position than those on leased sites, because the pitch problem that constrains consumer static finance largely falls away.
Used kit: Yes — parks routinely buy used units for hire fleets to manage outlay, and funders will consider them on condition and expected remaining service life.
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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).
Funding a fleet is a completely different exercise from funding one family’s holiday home. Here the funder lends against the business and its trading record, and the caravans are equipment rather than a consumer purchase. Land tenure is the pivotal question. Where the operator owns the freehold, the units sit on their own ground and the awkward pitch licence issue that deters funders on consumer statics does not arise in the same way. Where the park itself is leased, the lease term and the landlord’s position come into the assessment. Funders look at occupancy, the site licence and planning consent, seasonal opening restrictions and how units are maintained and replaced. Because this is unregulated business finance, structures that reflect a summer weighted income pattern can sometimes be arranged, and multiple units are often placed under one facility.
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 |
|---|---|
| Willerby Salisbury | Fleet specification static caravan |
| Willerby Malton | Hire fleet static holiday caravan |
| ABI Horizon | Contemporary fleet static caravan |
| ABI Keswick | Value hire fleet static caravan |
| Victory Parkview | Durable hire fleet caravan |
| Victory Echo | Compact hire fleet static caravan |
| Atlas Mirage | Hire fleet static holiday home |
| Atlas Oakwood | Fleet specification holiday home |
| Pemberton Knightsbridge | Premium hire lodge for parks |
| AB Sundecks decking and balustrade | Decking and steps for sited units |
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Park operators refreshing hire stock before the season, family run sites adding pitches after a planning consent, and farm diversification schemes putting their first units on a paddock. The trigger is almost always the booking calendar — units ordered in autumn and winter so they are sited, connected and photographed in time for spring bookings to open. Coastal parks replacing storm damaged units make up the rest.
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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.
A considerable one. Where the park owns its freehold, the funder is dealing with a business operating on its own ground, and the pitch licence complications that limit consumer static finance do not apply in the same way. Leased sites are still fundable but the lease terms and the landlord’s consent become part of the assessment.
Because this is unregulated business finance there is more scope to structure around a season than there is on a consumer agreement, and profiles that recognise summer weighted income are sometimes available. Whether a specific funder offers it depends on the strength of the business, so raise it at the enquiry stage.
Yes, and most operators do. Multiple caravans are often placed under a single facility rather than separate agreements, which is simpler to run and easier to review at each replacement cycle. Funders will want the site licence, planning position, occupancy figures and accounts to assess the whole commitment.
That is a common enquiry and it is fundable, but expect more questions because there is no trading history for the holiday side. Planning consent, a site licence, projections based on comparable local occupancy and the strength of the wider farm business all help. A personal guarantee is likely on a new venture.
As normal business practice. Operators typically run units for a set number of seasons and then sell them on, either privately or to customers on the park, funding the next intake as they go. Keeping maintenance records and a sensible replacement cycle makes each successive round of funding easier to arrange.
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See everything we fund in static caravan and lodge finance →
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.