Horsebox finance covers a specialist range of vehicles, from small van conversions to large coachbuilt lorries on HGV chassis. Whether you are purchasing a family horsebox, building a commercial livery transport operation, or running a riding school, finance options are available from specialist lenders.
Types of Horsebox We Finance
- Coachbuilt horseboxes - converted HGV chassis (DAF, Mercedes, Volvo), typically requiring Category C licence
- American-style horseboxes - living area forward, horse area rear, lighter chassis
- Horse lorries - converted rigid lorries with basic horse compartments
- Van-based conversions - smaller horseboxes built on Ford Transit or similar
Personal vs Commercial Use
Lenders distinguish between horseboxes used for personal transport of privately owned horses, and those used commercially - for livery services, riding schools, or professional competition transport. Commercial use provides clearer income evidence and often attracts better terms. Personal use applications are considered but may require proof of other income.
Rate Guide - October 2026
| Horsebox Type | Rate Range (APR) | Term | LTV |
|---|---|---|---|
| New coachbuilt (HGV chassis) | 5.5-8.5% | 3-5 years | 85% |
| Used coachbuilt (under 7yr) | 7-12% | 2-4 years | 80% |
| American-style (new) | 6-9% | 3-5 years | 85% |
| Older horsebox (8-15yr) | 10-15% | 2-3 years | 70% |
| Adverse credit | 13-17% | 2-3 years | 65% |
Key Lenders
Close Brothers - strong appetite for coachbuilt horseboxes on HGV chassis, particularly for commercial operators.
Shawbrook - useful for older horseboxes and less mainstream vehicle types.
Specialist equestrian lenders - a small number of niche lenders focus specifically on the equestrian sector, sometimes offering more flexible personal use criteria.
Worked Example - 4-Horse Oakley Coachbuilt Horsebox
| Detail | Figure |
|---|---|
| Asset | 2022 Oakley 4-horse coachbuilt on DAF LF chassis |
| Purchase price | £85,000 |
| Deposit (15%) | £12,750 |
| Amount financed | £72,250 |
| Finance type | Hire Purchase |
| Term | 48 months |
| Rate | 8% APR |
| Monthly payment | approx. £1,760 |