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Business finance

Flexible business loans structured around your ambitions and responsibilities. Whether you are investing in growth, strengthening cash flow or acting on new opportunities, the right funding gives you confidence, control and measurable momentum.

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Business needs

Straightforward funding built around the realities of running a business. Whether you are covering a short term gap, investing in new capacity or navigating unexpected pressure, the right finance gives you stability, clarity and the freedom to focus on growth.

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Commercial vehicle finance

Practical vehicle finance designed to support how your business operates. Whether you are replacing ageing vehicles, expanding your fleet or taking on bigger contracts, the right funding protects cash flow while keeping you moving forward. 

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About us

Straightforward business finance built around how your company actually operates. Whether you are investing in growth, managing cash flow or acting on new opportunities, the right funding gives you the clarity and flexibility to move forward with confidence.

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Horsebox finance that keeps you travelling with confidence.

A horsebox isn’t just transport, it’s about safety, care and peace of mind. When you’re travelling to competitions, training or veterinary appointments, reliability matters.

First Oak Capital helps you invest in the right horsebox without tying up significant capital. Funding is structured into manageable repayments that fit around your commitments, so you can upgrade or secure dependable transport with confidence.

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Funding built around your purchasing needs.

We give you the confidence to act when it matters most, backed by funding that’s ready when you need it.

Better rates than high street banks

We can give you better terms and funding that works in your favour.

We manage the entire process

We partner with large panel of lenders, giving you more choice, stronger terms and funding that works in your favour.

We only arrange bespoke funding options

We take the time to understand how your business works, then structure funding around what you actually need.

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Travel with confidence, backed by the right funding.

Horsebox finance should feel practical and reassuring. It’s about having safe, reliable transport in place without putting pressure on your finances.

First Oak Capital structures funding around how you travel, the events you attend and how long you plan to keep your horsebox. Repayments are designed to sit comfortably alongside your other commitments, making everything easier to manage.

With the right structure in place, your horsebox supports your ambitions, not your worries. You can plan with clarity, travel with confidence and focus on what matters most.

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Check your eligibility, without affecting your credit score.

It only takes a few moments to check your eligibility and explore the funding options available to your business. There is no obligation, and our team will be ready to help guide you through the process.

Apply for funding

Tell us a little about you, your business and what you are looking to fund.

Application review

A dedicated specialist takes time to understand your objectives and financial position. We then collect any other information needed to move forward.

Funding options

We search our lending panel, manage the application process, and present suitable offers for you to consider, with no pressure to proceed.

Funds sent

After approval, funds are transferred to your business account or paid directly to a supplier, so you can move ahead without delay.

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We're here to help if you need us

Contact our UK-based team if you have any questions

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Understanding the different types of horsebox finance.

Funding a horsebox does not need to be complicated. Horsebox finance is structured around the vehicle itself, not your home or a general purpose loan, giving you clarity and reassurance from the outset.

Repayments are tailored to suit your commitments, keeping costs predictable and manageable. You avoid a substantial upfront outlay, protect your available funds and allow the horsebox to support your competitions, training and travel plans while you pay for it.

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You pay fixed monthly instalments over an agreed term and automatically own the vehicle once the final payment is made.

Benefits
Clear ownership, fixed costs and long term security for businesses that plan to keep vehicles.

You use the vehicle for most of its working life and settle a small remaining value at the end or upgrade.

Benefits
Lower monthly payments and flexibility to refresh vehicles as your business evolves.

You pay to use the vehicle for a fixed period and return it at the end of the agreement.

Benefits
Predictable budgeting with no ownership risk or resale concerns.

Funding is released against vehicles you already own while you continue using them as normal.

Benefits
Unlocks cash tied up in assets without interrupting operations.

Monthly payments are reduced with a larger optional final payment if you want to keep the vehicle.

Benefits
Improves monthly cash flow while keeping ownership flexible.

Upgrade your horsebox, reduce the stress.

An unreliable horsebox doesn’t just disrupt your plans, it creates stress and risk where it matters most.

First Oak Capital helps you invest in safe, dependable transport without putting pressure on your finances. With funding built around your needs, you can upgrade to a high quality horsebox that supports comfort, safety and performance.

Instead of holding back, you can travel with confidence, focus on your training and competition, and enjoy every journey knowing everything is taken care of.

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Horsebox finance that supports assured investment.

Horsebox finance is built for owners who prioritise safety, reliability and presentation. The right funding keeps your horses travelling comfortably while protecting your available capital.

First Oak Capital focuses on arranging finance that reflects your commitments, whether that is competition, leisure or professional equestrian work. We begin by understanding your plans and identifying funding that supports them in a practical and considered way.

Once your priorities are clear, suitable options are sourced from a broad lender network and explained in plain English. You receive transparent costs, structured repayments and guidance that allows you to make a confident decision.

When you are ready to invest in a new or upgraded horsebox, the objective is simple. Secure the right funding and move forward knowing your transport is as dependable as your ambition.

Tailored funding, built around your business.

Whether you are starting out or scaling up, we help you access the right finance that you need to support your next stage of growth.

Trusted since 1994

Decades of real-world experience means you get guidance you can rely on, not guesswork.

Competitive rates that work for you

Finance structured to support your growth, while keeping costs under control and predictable.

Access to 100+ UK lenders

A wide panel of lenders gives you more choice, better terms and funding tailored to your business.

FAQ

Horsebox finance FAQs.

Choosing the right finance solution for your business often raises important questions. Whether you are exploring funding for growth, managing cash flow pressures or investing in vehicles and equipment, understanding how different finance options work can make the process far clearer.

If you have any specific question please contact us or call 0800 066 3677.

Horsebox finance allows businesses and equestrian professionals to purchase horse transport vehicles without paying the full cost upfront. The vehicle is funded through manageable repayments over an agreed period.

Horsebox finance is commonly used by equestrian businesses, riding schools, professional riders and transport providers who need reliable horse transport.

Many types of horse transport vehicles can be financed, including smaller horseboxes and larger commercial transport vehicles.

Yes. Horsebox funding is a specialist type of vehicle finance used specifically for equestrian transport vehicles.

Yes. Many lenders will finance used horseboxes if they are suitable for business use and hold sufficient value.

Financing allows businesses to preserve cash flow while still securing the vehicle they need to operate effectively.

Yes. Access to reliable transport can allow equestrian businesses to attend more events, competitions or training opportunities.

Yes. Businesses may release capital tied up in vehicles through refinance loans if the asset still holds value.

Yes. Some businesses combine vehicle funding with business loans when broader investment is required.

You can begin by completing the online application so the vehicle and funding requirements can be assessed.