Equestrian Finance Solutions
At First Equine Funding, we specialise in finding the right finance solution for your equestrian vehicle. We have multiple competitive and flexible horsebox financing options and through our access to over 50 lenders, we can provide the right finance solution for your situation¹.
Contact us on:
01634 386869
Hire-Purchase Explained
Hire Purchase (HP) is a straightforward way to own your horsebox, trailer, or equipment without paying the full amount upfront. Here’s how it works:
- You choose the vehicle or equipment you want.
- We agree to a deposit and affordable monthly payments over a set term.
- Once the final payment is made, you own the asset outright.
Benefits of HP horsebox finance include:
- Fixed, predictable monthly payments
- No mileage or usage restrictions
- Full ownership at the end of the agreement
- Flexibility to spread the cost over 2–7 years
- Tax benefits⁴
Whether you’re buying a horsebox, a competition trailer, or yard equipment, HP finance can help to manage your cash flow while you invest in quality and reliability.
Understood our requirements
When we found the Bloomfield Horsebox we wanted to buy, we contacted Amina at First EquineFunding, and she was very professional and personable to talk to. She understood our requirementsand dealt with what we were trying to achieve in a quick, effective and extremely professionalmanner. We would have no hesitation in recommending Amina to any individual or business who is looking at financing a horsebox or trailer.
Finance Lease – A Flexible Alternative
A Finance Lease³⁷ offers a similar structure to Hire Purchase but with two key differences:
- Lower upfront cost – VAT isn’t required as a deposit, meaning you can start with as little as 5% down
- End-of-term flexibility – at the end of your agreement, a small title transfer payment (usually equal to one monthly rental) completes your ownership
This option is often more cash-flow friendly and tax-efficient for business users, as lease payments can be offset against pre-tax profits and VAT is spread over the term instead of paid upfront¹.
Key benefits:
- Reduced initial outlay
- Improved cash flow management
- Tax-deductible monthly payments for eligible businesses
- Flexible terms up to 7 years, with optional final balloon payments up to 60%
A Finance Lease can be a solution¹ for equestrian businesses, trainers, and yards looking for a cost-effective way to fund their next horsebox or trailer.
Get in touch to see how we can help – or use our business
finance calculator to look at approximate costs.
¹ We do not provide financial advice. All finance arrangements are subject to individual assessment and approval by our lending partners ³ Finance availability and terms are subject to status and lender approval ⁴ Any tax or accounting benefits depend on your individual circumstances and may change over time. You should seek independent professional advice before acting. ⁷ Rates and terms are indicative, actual figures will depend on credit status and lender assessment