If you’re looking to raise capital through a loan against a motorbike, Edinburgh Asset Finance (EAF) offers one of the UK’s most specialist and trusted solutions. We provide fast, accurate valuations and discreet short-term funding against high-value motorcycles, ranging from modern superbikes and limited-edition models to rare, classic and historically significant machines.

As industry-leading luxury asset lenders, we differ from general pawnbrokers by working exclusively with premium vehicles—and by offering a smooth, highly secure service backed by our own in-house storage facility. This allows us to provide exceptional care for your bike while giving you rapid access to the funds you need.

Whether you’re seeking liquidity for personal use, business cashflow, an investment opportunity or an unexpected expense, our motorbike-backed loans allow you to unlock capital quickly without selling your machine.

What Determines the Loan Value?

Because we specialise in high-value vehicles, our valuations consider a wide range of factors:

  • Market desirability
  • Rarity and collector appeal
  • Mileage and overall condition
  • Model year and specification
  • Provenance and history
  • Any modifications or factory upgrades
  • Documentation and accessories (books, keys, OEM parts)

Our approach mirrors industry trade and auction standards—not inflated retail or speculative insurance estimates.

Why Choose EAF for a Loan Against Your Motorbike?

Specialist Lenders in High-Value Vehicles

Motorbikes are a major part of our lending business. Our team has extensive experience handling:

  • Modern superbikes
  • Limited-edition and special-series models
  • Classic, vintage and historically important motorcycles
  • Custom or collector-grade bikes
  • High-value performance brands (Ducati, BMW, Triumph, MV Agusta, Harley-Davidson, Honda Fireblade, Yamaha R1, Kawasaki Ninja, and more)

This depth of experience ensures every valuation is grounded in real market knowledge—not generic guides or inflated estimates.

We Take Full Possession – Ensuring Safety, Security & Peace of Mind

Unlike lenders who rely on third-party storage or uninsured facilities, we own and operate our own secure, climate-controlled storage unit designed specifically for vehicles.

Your motorbike will be:

  • Kept indoors in a stable, climate-controlled environment
  • Placed under a breathable cover
  • Maintained on a trickle charger
  • Protected with 24/7 monitored security
  • Stored with full care until redemption

This gives clients total confidence that their motorbike remains in exceptional condition throughout the loan term.

Fast, Accurate Valuations and Immediate Loan Offers

Our streamlined process means you receive:

  • Rapid initial guidance based on photos and details
  • A firm valuation as soon as the bike is inspected
  • An immediate loan offer once value is agreed
  • Same-day funding once the bike is in our possession

We typically lend 60–70% LTV, with a minimum loan of £1,000.

Convenient Options for Getting Your Motorbike to Us

Clients may choose the most convenient method:

  • Drop the bike off personally at our facility
  • Arrange delivery via trailer or motorcycle transporter
  • We can sometimes assist with collection, depending on circumstances

We make the process simple, discreet and efficient.

Flexible, Short-Term Lending – No Credit Checks

A loan against a motorbike is:

  • Quick – no lengthy applications
  • Private – no impact on your credit score
  • Flexible – renewals available if more time is needed
  • Secure – you retain ownership of your bike throughout

This makes our lending ideal for individuals needing reliable short-term liquidity.

Vehicle Owners Often Also Have Number Plates

If your motorbike has a valuable private registration, we can offer separate or combined lending.

See our dedicated page: Loan Against Number Plates.

How a Loan Against a Motorbike Works

Our process mirrors the structure of all EAF loan pages and is designed to be as efficient and straightforward as possible:

1. Contact us with details of your motorbike

Send photos and key information (make, model, year, mileage, service history, and any special features). We provide an initial assessment immediately.

2. Receive a formal valuation and loan offer

Once all details are reviewed—and the bike is inspected—we confirm the accurate loan value. No waiting, no uncertainty.

3. Deliver the bike to us

Drop-off or arranged transport. We take possession and store the bike securely in our climate-controlled facility.

4. Sign the loan agreement

Clear, transparent terms with no hidden fees.

5. Immediate funding

Funds are released instantly once the motorbike is in our possession.

6. Redeem your motorbike anytime

Simply repay the loan plus interest. Your bike is returned in the same protected condition in which it arrived.

Who Uses Motorbike-Backed Loans?

Our clients include:

  • Motorbike collectors
  • Owners of performance or limited-edition models
  • Investors needing quick liquidity
  • Business owners funding short-term opportunities
  • Individuals seeking a discreet alternative to bank loans
  • People who want to avoid selling a prized vehicle

Motorbike loans provide immediate capital while allowing owners to retain full long-term ownership.

Get a Loan Against Your Motorbike – Fast, Secure & Specialist

If you want to unlock capital from your motorbike without selling it, Edinburgh Asset Finance offers one of the UK’s most refined and reliable solutions. Our expertise, private facility and discreet customer service make us the trusted choice for high-value motorcycle loans.

Contact us today for an immediate valuation or to discuss your motorbike in confidence.

Frequently Asked Questions

Which types of motorbikes qualify for loans?

We accept most high-value motorcycles including modern superbikes, limited-edition models, classics, vintage machines, rare imports, and collector bikes. We generally require the loan amount to exceed £1,000.

Do I need full service history or an MOT?

While full history is helpful, it is not always essential. We can still lend against bikes without MOTs, provided their value is supported by model, mileage and condition.

Does age significantly affect loan value?

Not necessarily. Many older bikes—especially rare or collectible models—can achieve strong valuations. We consider market desirability above age alone.

Can I continue using the motorbike during the loan?

No. We must take full possession of the bike for the duration of the loan. This ensures security, transparency and compliance with pawnbroking regulations.

How is the valuation conducted?

We use a combination of industry data, market comparisons, specialist knowledge, and auction-level insight. Final valuations are confirmed once the bike has been inspected in person.

Contact Edinburgh Asset Finance today to arrange your private appointment.