Equestrian finance, horse lorries, arena surfaces, and stable investment

Yes. Horse lorries and horse transporters are standard assets for hire purchase and finance lease. New lorries from dealers and used vehicles from private sellers or dealers are both fundable. Most lenders will advance 70–90% of the vehicle value, with terms typically available from 2 to 5 years. The lorry itself acts as security. A business trading for at least 12 months with clean credit has good prospects of approval.

Yes. Arena surfaces (including the surface material (rubber crumb, sand fibre, or synthetic fibre), sub-base, drainage, and perimeter fencing) can be financed using asset finance or a business loan, depending on the nature of the installation. For moveable or semi-permanent surfaces, asset finance is typical. For permanent installations tied to land, a business loan may be more appropriate. We assess the project and recommend the most suitable structure.

Most tangible equestrian business assets can be financed on hire purchase: horse lorries and boxes, tractors and implements, arena maintenance equipment, horse walkers, stable fit-out items, show jump equipment, and mobile buildings. Assets that are fixed to land (permanent arena surfaces, stable buildings) are more suitable for business loans or secured lending. We identify the correct product for each asset type.

Yes. Riding schools and livery yards operating as limited companies or with clear sole trader accounts can access business loans from £5,000 to £5,000,000+ for investment in facilities, equipment, or working capital. Lenders assess trading history, turnover, and the purpose of the loan. An established yard with consistent livery income and clear accounts is a strong candidate for unsecured lending.

Asset finance is accessible for newer equestrian businesses because the asset itself (e.g. a horse lorry or tractor) provides security for the lender. Unsecured business loans are harder to access without 12–24 months of trading history. We advise on the most realistic options for your stage of trading and identify lenders with the most favourable criteria for start-up or early-stage equestrian businesses.