Complete this online form with details of your enquiry and one of our advisors will call you back.
All-terrain vehicles (ATVs) and recreational or utility task vehicles (RTVs) have become
indispensable assets within UK horticultural and nursery businesses. Operating across large,
often fragmented rural sites, growers require vehicles that can move quickly, safely and
efficiently across mixed terrain while carrying tools, materials and staff between growing
areas.
Unlike road vehicles or larger machinery, ATVs and RTVs are designed specifically for frequent,
short-distance movements, narrow access routes and uneven ground. For nurseries, soft fruit
growers, ornamental producers and propagation businesses, these vehicles provide the agility
and reliability needed to keep daily operations running smoothly.
At Gable Business Finance, we arrange asset-backed finance for ATVs and RTVs
used exclusively by horticultural and nursery businesses. These vehicles are well suited to
structured finance, allowing businesses to maintain modern, reliable fleets without tying up
valuable working capital.
Horticultural operations involve constant movement across sites. Crops may be spread across
fields, polytunnels, glasshouses and storage areas, often separated by tracks, soft ground or
uneven surfaces.
ATVs and RTVs support a wide range of essential daily activities, including:
Their flexibility makes them one of the most frequently used vehicle types in many
horticultural businesses.
Nurseries and growing operations present unique access challenges that conventional vehicles
cannot easily address.
Key advantages of ATVs and RTVs include:
In high-intensity horticulture, small gains in movement efficiency quickly add up to
significant productivity improvements.
While often grouped together, ATVs and RTVs serve slightly different roles within nursery
operations.
ATVs are typically single-operator vehicles designed for agility and access. They are commonly
used for inspection, light towing and rapid movement around sites.
Typical uses include:
RTVs are larger, more robust vehicles with seating for multiple operators and built-in cargo
beds. They are often used for transporting tools, materials and teams.
Typical uses include:
Many horticultural businesses operate a mix of both vehicle types to cover different tasks.
ATVs and RTVs are rarely standalone assets. They integrate into almost every aspect of daily
nursery activity.
Common integrations include:
This adaptability increases their value far beyond their initial purchase cost.
Although smaller than tractors, ATVs and RTVs represent meaningful capital investment,
particularly when fleets are maintained across multiple sites.
Costs are influenced by:
Reliable vehicles reduce downtime, improve staff efficiency and support safer site operations.
ATVs and RTVs are ideal candidates for asset-backed finance. They are:
Asset finance allows horticultural businesses to:
Hire purchase is commonly used where long-term ownership is required. Ownership transfers at
the end of the agreement.
Leasing may suit businesses that replace vehicles regularly or operate across multiple sites.
Where several vehicles are required, structured fleet finance can support multiple ATVs and
RTVs under a single agreement.
ATVs and RTVs are used year-round but may see peak demand during planting, maintenance and
harvest periods. Finance planning should consider:
An ornamental nursery financed new RTVs to support staff movement across a large, fragmented
site. Daily task efficiency improved and response times fell significantly.
A soft fruit business used asset finance to add ATVs for irrigation management. Faster access
to fields improved response during dry periods.
A propagation nursery financed RTVs with cargo beds to transport trays and materials.
Manual handling reduced and staff productivity improved.
A tree nursery invested in ATVs fitted with tool carriers. Maintenance teams covered more
ground each day with less fatigue.
A nursery group used structured finance to standardise ATV and RTV fleets across sites,
simplifying maintenance and training while improving reliability.
At Gable Business Finance, we understand that ATVs and RTVs are not optional extras —
they are essential operational tools in modern horticulture.
Our advisory-led approach considers:
We structure finance that keeps your sites mobile, efficient and safe.
If your horticultural or nursery business relies on ATVs or RTVs for site access, daily tasks
and transporting tools and materials, specialist finance advice can help you invest confidently
and sustainably.
Contact Gable Business Finance today to discuss tailored asset finance solutions
designed specifically for horticultural and nursery operations.