If you are looking to unlock cash from a horsebox without selling it, Edinburgh Asset Finance (EAF) provides one of the UK’s most specialist and discreet horsebox loan services. We have assisted clients who own high-value horseboxes—ranging from modern coach-built transporters to custom-designed lorries—and require short-term liquidity without the delays, negotiation hassles, or uncertainty of private sale or part-exchange.

As industry-leading high-value asset lenders, we understand the specialist nature of horseboxes: their varied specifications, significant replacement costs, and the strong secondary market for well-maintained vehicles. Our expertise ensures rapid valuations, accurate lending decisions, and immediate access to funds, all while maintaining total confidentiality. Whether you are a competitive rider, breeder, yard owner, or private individual, a loan against a horsebox offers a secure and efficient way to raise capital quickly while retaining full ownership.

Why Borrow Against a Horsebox?

Clients typically use this form of lending when they need rapid liquidity for:

  • Business or yard cash flow
  • Competition season expenses
  • Veterinary fees
  • Vehicle upgrades
  • Personal financial commitments
  • Seasonal fluctuations in income

A horsebox loan is often faster and more straightforward than arranging finance through a bank or attempting to sell the vehicle—especially valuable, well-specified models that command premium resale prices.

Why Choose EAF for a Loan Against a Horsebox?

Specialist Knowledge of Horseboxes

Not all pawnbrokers understand the technical and market nuances of horseboxes. We do. Our past experience lending against these vehicles allows us to assess condition, configuration, capacity, build quality, and demand accurately—ensuring you receive a fair, market-reflective loan offer rather than a generic automotive estimate.

Fast Valuation & Immediate Loan Offers

Horseboxes can be valued quickly. Simply provide us with:

  • Photographs of the vehicle
  • Key features and specifications
  • Age, mileage and service history
  • Make, model and any conversion details

We handle the valuation swiftly and issue a formal offer as soon as the assessment is complete. Once terms are agreed, funding can be released the same day upon receiving the horsebox.

Secure, Discreet & Convenient Process

Our service is built around discretion and professionalism. From initial enquiry to completion, every detail is handled privately, without credit checks, affordability assessments or intrusive paperwork. Your asset is stored securely throughout the loan period in a controlled, safe environment.

Maintain Ownership While Unlocking Capital

A horsebox loan allows you to raise funds while keeping long-term ownership. Once the loan and interest are repaid, your vehicle is available for collection immediately, allowing you to resume using it or retain it for future competition seasons.

Suitable for High-Value & Specialist Horseboxes

We can lend against a wide range of horseboxes, including:

  • Coach-built 3.5T, 7.5T and larger vehicles
  • Bespoke conversions
  • Professional competition transporters
  • Living-area equipped models
  • Prestige and luxury equine lorries

Our lending decisions are based on realisable market value, ensuring transparency and fairness.

How a Loan Against a Horsebox Works

Our process mirrors the premium structure used across all EAF lending services: confidential, accurate and exceptionally fast.

1. Initial enquiry

You contact us with details about your horsebox—photos, model, age, mileage, spec, condition and any supporting documents.

2. Expert valuation

We assess the information provided and conduct a rapid in-house valuation. You receive an accurate, market-aligned figure based on the realisable value of your vehicle.

3. Immediate loan offer

Once valuation is agreed, we confirm the loan amount available—typically a significant proportion of the horsebox’s current market value.

4. Delivery or collection of the asset

We arrange a secure handover of the vehicle. Once in our possession, funds are released instantly via bank transfer.

5. Loan term & redemption

Our loan terms follow standard pawnbroking structure:

  • Fixed term (typically up to 7 months)
  • Option to repay at any time
  • No early settlement fees
  • Asset returned immediately upon repayment

If you prefer, the loan can be renewed at the end of the term.

This structure gives you maximum flexibility while ensuring your horsebox remains safe and fully protected throughout.

Enquire Today About a Loan Against Your Horsebox

Because we regularly lend against specialist and high-value vehicles, we have a strong understanding of the equine transport market. We know that value is influenced not just by condition, but also by:

  • Build quality or conversion company
  • Engine type and mileage
  • Internal layout and horse capacity
  • Living accommodation
  • Safety and ventilation systems
  • Market demand for specific weights and configurations

This deeper knowledge allows us to offer more accurate and typically higher loan amounts than general pawnbrokers or lenders unfamiliar with the sector.

Our reputation for speed, accuracy and professionalism makes us a preferred choice for equestrian owners seeking secure short-term funding.

Our Authority in Horsebox Lending

If you own a high-value horsebox and wish to securely release capital without selling it, Edinburgh Asset Finance offers one of the UK’s most specialist and efficient lending solutions. With rapid valuations, immediate offers, secure storage and total discretion, we provide a premium alternative to traditional finance.

Contact us today for a confidential discussion and discover how much you could borrow against your horsebox.

Frequently Asked Questions – Horsebox Loans

What documents or proof of ownership do I need?

Proof of ownership is required, typically including the V5C logbook along with any supporting invoices, service history or documentation relating to any conversion or custom features. If you're unsure, we can advise on acceptable alternatives.

Do horseboxes require an inspection?

Yes. While initial valuations are done remotely, the horsebox will be inspected upon handover to confirm condition, mileage, specification and general presentation. This ensures accuracy for both client and lender.

Can I continue using the horsebox during the loan?

No. As with all pawnbroking-style loans, the asset must remain with us for the duration of the agreement. This ensures full security and compliance with lending regulations.

How is the valuation determined?

Valuation is based on realisable market value, taking into account: Make, model & build quality. Age and mileage. Condition of mechanics and bodywork. Internal features and living accommodation. Current demand for that specific horsebox type. We always provide a transparent explanation of how we arrived at the loan figure.

Is mileage or age a major factor?

Mileage and age matter, but they are not the only value drivers. Many horseboxes hold value well if properly maintained. High-quality conversions, modern safety standards and desirable layouts can offset age or mileage in many cases.

Contact Edinburgh Asset Finance today to arrange your private appointment.