Horsebox Finance for Professional Horse Transporters
At Gable Business Finance, we understand that professional horse transporters depend on safe, reliable, and compliant vehicles to keep their business moving. Whether you transport racehorses, competition horses, or provide welfare transport services, your horsebox is a vital working asset — and often one of the largest financial investments in your business. That’s why Gable offers specialist horsebox finance solutions built around your operational needs, budget, and business goals.
With years of experience supporting the UK’s transport, logistics, and equestrian sectors, we’re experts in helping businesses access funding for new and used horseboxes, trailers, and specialist vehicles. From Hire Purchase and Finance Lease agreements to Asset Refinance and Dealer Support Finance, our solutions provide flexibility, tax efficiency, and peace of mind — all while protecting your cash flow.
Supporting Professional Horse Transport Businesses Across the UK
Professional horse transport is a highly regulated and competitive industry. Operators must not only deliver the highest standards of animal welfare but also maintain vehicles that meet strict DVSA and DEFRA compliance standards. Our horsebox finance packages are designed specifically for these professionals — ensuring you can acquire, maintain, or upgrade the right vehicle at the right time.
Whether you run a single 3.5-tonne horsebox for local journeys or manage a multi-vehicle fleet for nationwide competition transport, Gable Business Finance provides funding options tailored to your business model. We finance:
- Two-stall horseboxes and small fleet vehicles
- 7.5-tonne to 26-tonne multi-horse lorries
- Luxury competition and racehorse transporters
- Custom and coach-built horseboxes
- Towable trailers and welfare vehicles
Our goal is simple: to help your business grow, modernise, and operate with confidence — without tying up valuable working capital.
Flexible Finance Options for Professional Horse Transporters
Hire Purchase (HP)
Hire Purchase is one of the most popular options among horse transporters. You make fixed monthly payments over an agreed term, and once the final payment is made, ownership of the vehicle transfers to you. This provides long-term security and asset ownership while spreading the cost over time.
- Own the vehicle at the end of the term
- Fixed rates for predictable budgeting
- Tax benefits and potential capital allowances
- Ideal for both new and used horseboxes
Finance Lease
A Finance Lease allows you to use the vehicle throughout its working life, paying fixed rentals. At the end of the agreement, you can either extend the lease, return the horsebox, or sell it and retain a share of the proceeds.
- Low initial outlay
- Tax-efficient rentals treated as operating expenses
- Flexible end-of-term options
Operating Lease
Perfect for businesses that prefer not to own the vehicle, an Operating Lease provides the use of a horsebox for a fixed period — ideal for short-term contracts or seasonal work. This option helps businesses maintain an up-to-date fleet without long-term commitment.
Asset Refinance
Asset Refinance lets you release equity tied up in vehicles you already own. By refinancing existing horseboxes, you can free up working capital for business growth, maintenance, driver training, or operational costs. It’s an effective way to unlock value while keeping the vehicles in daily use.
Commercial Loans
Beyond vehicle funding, Gable offers Commercial Loans for horse transport businesses seeking to expand operations, hire staff, or upgrade facilities. These loans can be secured or unsecured, and terms are tailored to suit your business cash flow.
Real-Life Case Studies
Case Study 1: Hire Purchase for a £90,000 Horsebox
Client: A national equine transport company operating across the UK racing circuit.
Challenge: The business needed to purchase a new £90,000 luxury 7.5-tonne horsebox to expand its long-distance operations.
Solution: Gable structured a Hire Purchase agreement with a 10% deposit and a 5-year repayment term. The company immediately took delivery of the new vehicle and benefited from fixed, affordable monthly payments.
Outcome: The investment increased fleet capacity by 30%, allowing the company to win two new racecourse contracts within months of purchase.
Case Study 2: Refinance of an Existing Horsebox
Client: A professional show-jumping transport provider with two owned vehicles.
Challenge: They needed £40,000 working capital to cover insurance, maintenance, and seasonal marketing.
Solution: Gable arranged an Asset Refinance on one of the owned horseboxes, releasing capital tied up in the vehicle while allowing uninterrupted use.
Outcome: The client improved cash flow, funded marketing campaigns, and secured new contracts for the summer circuit.
Case Study 3: Horsebox Dealer Partnering with Gable as a Finance Broker
Client: A UK-based horsebox manufacturer and dealer network.
Challenge: The dealer wanted to offer customers on-site finance options to streamline the sales process and increase conversions.
Solution: Gable partnered as their preferred finance broker, creating bespoke funding packages for both business and individual buyers.
Outcome: The dealership increased sales volume by 25% within six months, offering clients flexible payment options and faster delivery times.
Case Study 4: Start-Up Horse Transporter Accessing Fleet Finance
Client: A newly registered horse transport company founded by an experienced equine handler.
Challenge: With no trading history, traditional lenders were unwilling to finance their first 3.5-tonne horsebox.
Solution: Gable assessed the business plan and experience of the directors, providing a Finance Lease over 48 months with minimal deposit.
Outcome: The start-up began trading within weeks, and after 12 months of consistent repayments, Gable helped fund a second vehicle to meet rising demand.
Case Study 5: Fleet Upgrade for an Established Transport Company
Client: A long-established horse transport operator with five vehicles.
Challenge: The fleet included older diesel vehicles that did not comply with London’s Ultra Low Emission Zone (ULEZ) regulations.
Solution: Gable arranged a combination of Hire Purchase and Operating Lease agreements to acquire two new Euro-6 compliant trucks and one hybrid vehicle.
Outcome: The company remained compliant, reduced fuel costs, and enhanced its reputation as a sustainable equine transport provider.
Why Choose Gable Business Finance?
As one of the UK’s leading providers of specialist horsebox finance, Gable Business Finance offers a level of sector knowledge and flexibility rarely matched in the market. Our team understands the operational pressures, seasonality, and compliance obligations unique to professional horse transporters.
- Fast approvals and expert advice from experienced asset finance brokers.
- Competitive rates and flexible terms from a wide panel of lenders.
- Funding available for both new and used horseboxes.
- Refinance options for existing assets.
- Support for start-ups and expanding businesses.
We’re not just a broker — we’re a long-term finance partner who understands your business and your horses.
Detailed Frequently Asked Questions (FAQ)
What is horsebox finance?
Horsebox finance allows professional horse transporters and equestrian businesses to purchase or lease vehicles by spreading the cost over manageable monthly payments. It helps maintain cash flow and provides immediate access to essential transport equipment.
Who can apply for horsebox finance?
Any UK-based business involved in horse transportation, equine logistics, breeding, racing, or welfare can apply. Gable also supports start-ups and sole traders subject to credit and affordability assessments.
Can I finance both new and second-hand horseboxes?
Yes. Gable offers funding for both brand-new and used horseboxes, as well as custom builds, imported vehicles, or conversions. All assets are assessed on condition and value.
What are the advantages of Hire Purchase?
Hire Purchase gives you full ownership at the end of the term, fixed monthly payments, and potential tax benefits. It’s ideal for operators who want to build long-term equity in their vehicles.
How does Asset Refinance work?
If you already own a horsebox or lorry, Asset Refinance allows you to release capital tied up in that vehicle. Gable arranges finance secured against the asset, giving you a cash injection to reinvest in your business.
What’s the difference between a Finance Lease and an Operating Lease?
A Finance Lease gives you use of the vehicle for most of its working life with the option to buy or sell at the end. An Operating Lease is for a shorter period, ideal if you want to refresh your fleet frequently or meet temporary demand.
Can Gable work with horsebox dealers or manufacturers?
Yes. We work directly with horsebox dealers across the UK, providing tailored finance packages for their customers. Dealers benefit from faster sales cycles and increased customer satisfaction.
Do you finance welfare or veterinary transport vehicles?
Absolutely. We regularly support welfare organisations, equine rescue services, and veterinary professionals who need safe, reliable vehicles for animal transport and emergency response.
Are there tax advantages to financing a horsebox?
Depending on your finance product and business structure, payments or interest may be tax-deductible, and you may claim capital allowances. Always consult your accountant for tailored advice.
Do you finance trailers and tow vehicles?
Yes. In addition to horseboxes, Gable finances trailers, pickup trucks, and other towing vehicles essential to equine transport operations.
Can start-ups access horsebox funding?
Yes. We specialise in helping new entrants to the horse transport market, evaluating each case individually and often basing decisions on experience and projected business performance rather than lengthy trading history.
How quickly can funding be approved?
In many cases, Gable can arrange approval within 24-48 hours of receiving your application and supporting documents. Our team manages the entire process to ensure swift turnaround and minimal disruption.
What happens at the end of a finance agreement?
Depending on the product, you can choose to take ownership, extend your lease, or upgrade to a newer model. Gable will help you explore the best option for your ongoing needs.
Can I refinance more than one vehicle?
Yes, many clients refinance multiple horseboxes or trailers as part of a wider cash-flow management strategy. We can structure packages across your fleet for convenience and consistency.
Is there a minimum or maximum loan amount?
We typically finance from £5,000 upwards, with no strict upper limit. For large fleets or premium custom builds, we can arrange multi-asset funding packages exceeding £250,000.
Do you offer environmentally-friendly finance options?
Yes. Gable supports the acquisition of low-emission and electric horseboxes, as well as Euro-6 compliant upgrades. We help you stay sustainable and compliant with ULEZ and clean-air regulations.
Partner with Gable Business Finance
From a single horsebox to a fleet of specialist transporters, Gable Business Finance provides the expertise, flexibility, and funding you need to keep your business moving. Our finance specialists are passionate about the equine and transport industries and understand what it takes to build a successful operation.
Whether you need to purchase a new vehicle, refinance an existing one, or provide your customers with seamless finance options, Gable is here to help. We take pride in delivering transparent advice, fast approvals, and tailored finance built around your business goals.
Contact Gable Business Finance today to discuss your horsebox finance requirements. Together, we’ll help your transport business stay on the road — safely, professionally, and profitably.