Finance for Rough Terrain Vehicle or Rugged Terrain Vehicles – RTVs

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    UTV, Side-by-Side & RTV Finance for UK Businesses

    Gable Business Finance is a UK leader in arranging finance for RTV (Rugged Terrain Vehicles), UTV (Utility Task Vehicles), and side-by-side vehicles. These vehicles are widely used by farmers, estates, forestry managers, contractors, and outdoor leisure providers who require versatile, durable transport across rough, uneven, and challenging terrain.

    We finance all major UK brands and models, both new and used, including Kubota, Honda, CFMOTO, Can-Am, Polaris, Segway Powersports, and Yamaha. Our finance solutions are tailored to match seasonal income, cashflow cycles, and operational requirements, making it easier for businesses to acquire the vehicles they need without compromising their working capital.


    Why UK Businesses Invest in UTVs and Side-by-Side Vehicles

    RTVs and UTVs are increasingly essential for commercial and agricultural operations due to their versatility, low operating costs, and ability to traverse terrain unsuitable for traditional vehicles.

    Key Benefits

    • Off-Road Capability: Ideal for farms, estates, forestry, and construction sites.
    • Load Carrying: Capable of towing trailers and transporting equipment, feed, or materials.
    • Multi-Purpose: Can be used for stock checking, security, patrols, landscaping, and utility tasks.
    • Improved Safety: Modern UTVs offer roll cages, seat belts, and advanced suspension for operator protection.
    • Cost-Effective: Lower purchase price and operating costs compared to larger vehicles.

    UK Businesses That Purchase RTVs & Side-by-Sides

    Our clients cover a wide range of sectors:

    Agriculture & Estates

    • Farmers managing livestock and crops
    • Large estates and land management operations
    • Gamekeepers and conservation teams

    Forestry & Land Management

    • Accessing and transporting tools across rugged forest terrain
    • Towing equipment and trailers for logging or maintenance

    Construction & Contracting

    • Transporting workers, tools, and materials across sites
    • Utility contractors needing rapid access to remote locations

    Security, Emergency & Leisure Operations

    • Patrolling large sites or estates
    • Search and rescue teams
    • Adventure parks, guided tours, and ATV hire companies

    Major UTV & Side-by-Side Brands Financed by Gable in the UK

    Kubota

    Kubota RTV vehicles, such as the RTV-X1110, are widely used for utility work on farms, estates, and commercial operations. Known for reliability, low maintenance, and multi-terrain capability.

    Honda

    Honda’s Pioneer range of side-by-side vehicles is popular for agriculture, leisure, and estate work. Their durability and operator comfort make them a trusted choice across the UK.

    CFMOTO

    CFMOTO offers a full range of UTVs, including the UFORCE 600 EPS and U10 PRO Highland. These vehicles are robust, versatile, and ideal for small to large commercial operations.

    Can-Am (BRP)

    Can-Am’s side-by-side vehicles include both utility and performance models, such as the Maverick XRS Turbo RR and the Traxter 6×6 HD10, delivering high power, load capacity, and off-road performance.

    Polaris

    Polaris RZR and Ranger series are widely used for both sporting and utility purposes. They offer flexible configurations for 2–6 passengers and high towing capabilities.

    Segway Powersports

    Segway produces rugged side-by-side vehicles suitable for agricultural and commercial use. Their SxS vehicles are known for modern design and operator-friendly controls.

    Yamaha

    Yamaha Wolverine RMAX X4 1000 and other side-by-sides provide powerful four-seat solutions for commercial and recreational use, offering comfort and reliability.

    Other Brands

    • Lloyd Ltd
    • Lister Wilder
    • Mahindra
    • Other niche and imported UTVs

    Finance Options for RTV, UTV & Side-by-Side Vehicles

    Hire Purchase (HP)

    Spread the cost over 1–5 years with fixed monthly payments. Own the vehicle outright at the end of the term.

    Lease Purchase

    Includes a final balloon payment to reduce monthly instalments, ideal for high-value utility or side-by-side vehicles.

    Finance Lease

    Use the vehicle for a fixed term with regular payments, with flexible end-of-term options such as purchase, renewal, or return.

    Operating Lease

    Shorter-term rental arrangement with low upfront costs. Return the vehicle at the end of the lease term.

    Asset Refinance

    Release equity from existing vehicles or machinery to fund new purchases, providing working capital while upgrading your fleet.

    Seasonal Payment Options

    Customised payment profiles that align with seasonal income for farmers and land-based businesses.


    Case Studies – Gable UTV & Side-by-Side Finance

    Case Study 1 – Sole Trader Farm

    Mr. J, a small livestock farmer, financed a Honda Pioneer 520 via hire purchase to check stock and transport feed. Monthly payments matched seasonal cashflow, and he owns the vehicle outright at term-end.

    Case Study 2 – Family Estate

    The Smith Estate financed two Kubota RTV-X1110 vehicles for estate maintenance and grounds management using a lease purchase. Balloon payments kept monthly instalments low, allowing better cashflow for other operations.

    Case Study 3 – Forestry Contractor Limited Company

    TimberPro Ltd financed a CFMOTO U10 PRO Highland via a finance lease. The arrangement allowed tax-efficient ownership, flexibility to upgrade, and predictable monthly payments.

    Case Study 4 – Arable Farm Partnership

    GreenFields Partnership arranged finance for a Polaris RZR Pro R Sport to assist with crop monitoring and haulage across uneven fields. The partnership benefited from structured seasonal payments.

    Case Study 5 – Smallholder & ATV Hire Business

    Eco-Rentals Ltd financed multiple Segway Powersports SxS vehicles via hire purchase to expand their rental fleet. The financing allowed immediate fleet expansion while keeping working capital available for operations.


    FAQs – RTV, UTV & Side-by-Side Finance

    Do you finance both new and used vehicles?

    Yes. We can fund new, used, ex-demo, and imported UTVs and side-by-sides.

    Can I finance multiple vehicles in one agreement?

    Yes. Bulk financing for multiple RTVs or side-by-sides can be arranged for larger farms or fleets.

    Are seasonal payment plans available?

    Yes. Seasonal payment profiles are tailored for agricultural and commercial businesses with variable income.

    Do you finance electric UTVs or hybrids?

    Yes, we can arrange finance for electric and hybrid side-by-side vehicles.

    Who is eligible for finance?

    Sole traders, partnerships, limited companies, estates, and family businesses are all eligible to apply.

    What brands can you finance?

    We finance all major brands: Kubota, Honda, CFMOTO, Can-Am, Polaris, Yamaha, Segway Powersports, and niche UK brands.

    Can I include accessories or trailers in the finance agreement?

    Yes, additional attachments, trailers, and utility accessories can be included in most finance packages.


    Contact Gable Business Finance

    If your business relies on UTVs, RTVs, or side-by-side vehicles, Gable Business Finance can provide the funding solutions you need. Speak with our specialist agricultural and commercial finance team today for a tailored quotation.