Bus and Coach Finance

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    Bus and Coach Finance in the UK

    Welcome to Gable Asset Finance

    Gable Asset Finance is a leading UK specialist finance brokerage providing tailored bus and coach finance solutions. Whether you are an operator expanding your fleet, a start-up in passenger transport, or a business upgrading to newer and more efficient vehicles, we can help you access the funding you need with competitive terms and first-class service.


    What is Bus and Coach Finance?

    Bus and coach finance enables transport operators to acquire new or used vehicles without the burden of paying the full cost upfront. Instead, businesses can spread the expense through structured finance options such as hire purchase, finance lease, or operating lease. This preserves cash flow, reduces upfront capital expenditure, and allows fleets to remain modern, compliant, and efficient.

    Whether you are investing in a single coach, a fleet of minibuses, or replacing ageing vehicles, our finance solutions are designed to give you the flexibility and confidence to grow your operations sustainably.


    Why Choose Bus and Coach Finance?

    • Preserve working capital: Avoid tying up cash in large upfront payments.
    • Flexibility: Choose from a range of finance structures that suit your operational and financial goals.
    • Access to modern vehicles: Keep fleets up-to-date with the latest models, safety features, and environmental standards.
    • Competitive rates: Secure cost-effective finance tailored to your circumstances.
    • Support for new and used vehicles: Finance is available whether purchasing brand new buses or quality used coaches.

    Types of Bus and Coach Finance Available

    At Gable Asset Finance, we provide a range of flexible finance options for bus and coach operators:

    Hire Purchase

    Spread the cost of the vehicle over an agreed term. At the end of the agreement, ownership transfers to you once the final payment is made.

    Finance Lease

    Enjoy full use of the vehicle in return for fixed monthly payments. At the end of the lease, you can choose to sell the vehicle and share in the proceeds, or extend the lease with lower rental payments.

    Operating Lease

    A cost-effective way to use buses or coaches for a fixed term without taking ownership. Vehicles can be returned or replaced at the end of the lease, making it ideal for businesses looking to keep their fleets modern.

    Refinance Options

    Unlock capital tied up in owned vehicles by refinancing them, providing liquidity for expansion or other investments.


    Who Can Benefit from Bus and Coach Finance?

    • Coach Operators: Expand or modernise fleets with new or used vehicles.
    • Bus Companies: Secure funding for public and private hire vehicles.
    • Schools and Universities: Finance minibuses and coaches for student transport.
    • Tourism and Travel Companies: Acquire high-quality coaches to provide a premium service for travellers.
    • Community Transport Providers: Access funding for vehicles serving local communities.

    Case Study Examples

    • Tour Operator Expansion: A regional travel company financed two new executive coaches through a finance lease, allowing them to grow their customer base while preserving capital.
    • School Transport Upgrade: A private school used hire purchase finance to replace ageing minibuses, ensuring safer and more reliable journeys for students.
    • Community Transport Provider: A charity refinanced its existing buses to unlock cash flow, enabling it to invest in service improvements.

    Frequently Asked Questions

    Can I finance used buses or coaches?

    Yes. Gable Asset Finance supports funding for both new and quality used vehicles, giving you flexibility to choose what suits your budget and operational needs.

    What deposit is required?

    Deposits vary depending on the finance type and lender, but we work to structure agreements that minimise upfront cost while maintaining affordability.

    Do you work with small operators?

    Yes. We support businesses of all sizes, from single-vehicle start-ups to large fleet operators.

    What finance term lengths are available?

    Agreements typically range from 2 to 7 years, depending on the vehicle and finance type.

    Can VAT be financed?

    Yes. In many cases, VAT can be included within the finance package or structured separately to help with cash flow management.


    Why Work with Gable Asset Finance?

    • Access to a wide panel of UK lenders specialising in bus and coach finance
    • Competitive rates tailored to your fleet requirements
    • Flexible finance terms and repayment options
    • Support for new and used vehicle purchases
    • Fast approvals and efficient processing
    • Specialist knowledge of the passenger transport sector

    How the Process Works

    1. Initial Consultation: Share your vehicle finance needs and operational goals.
    2. Proposal: We design a tailored finance package with multiple lender options.
    3. Application: Submit documentation including vehicle details, accounts, and operational plans.
    4. Approval: Receive terms, sign agreements, and confirm the structure that works for you.
    5. Funding: Access the funds or supplier payments to acquire your new or used bus or coach.

    Get Started Today

    Gable Asset Finance is ready to help you finance your bus and coach fleet with tailored solutions that meet your business needs. From hire purchase to operating lease, we provide expert advice, competitive rates, and fast processing to get you on the road quickly.

    Contact us today to discuss your bus and coach finance requirements and discover how we can help your business grow.


    Gable Asset Finance – Supporting UK transport operators with tailored bus and coach finance solutions.

    With extensive experience  and a proven track record in arraging coach and bus finance, for small to mid-size businesses like yours, we are well qualified to handle your financing projects promptly and efficiently. We are licensed and accountable, and a member of the National Association of Finance Brokers that is dedicated to ethical business practices.

    We offers competitive rates of finance quality new and second hand coaches to clients throughout the UK. We offer new and used Buses, coaches and Minibuses such as:

    • Dennis
    • Leyland
    • Optare
    • Volvo
    • AYATS
    • BOVA
    • DAF
    • Iveco
    • King Long
    • Mann
    • Mercedes Benz
    • Neoplan
    • Scania
    • Setra
    • Totota
    • Van Hool

    We finance coaches and buses with the following transmissions:

    • Allison Auto
    • AS Tronic
    • Automatic
    • Comfort Shift
    • iShift
    • Manual
    • Volvo G7
    • ZF AVS

    With thousands of clients all over the UK, we gained the experience required to provide cost effective and timely leasing programs. We have funding lines with the UK’s most reputable premier lenders. We have been successful because we have been able to match your credit file with the requirements of one of our lenders. The depth and mix of our lenders is what makes it possible for us to services business of sizes from startups to national operators.