Hire Purchase
Spreads the cost over an agreed term with fixed repayments, with ownership passing once all payments are made.
Campervan & motorhome finance
Campervan & Motorhome Finance For Business, Owner-Drivers & Fleets
Buy a campervan or motorhome through your limited company or as a sole trader. Avro arranges the finance for new, used and professionally converted vehicles, whether it's a single vehicle for your own business use or a rental fleet you're building out. We arrange the finance; whether it's tax-efficient for your business is a question for your accountant.
New, used & professionally converted
Single vehicle or rental fleet
Sole traders & limited companies
New businesses considered
More businesses buy campervans and motorhomes than you might expect. Trades and contractors working away from home use them instead of a run of hotel bookings. Consultants and mobile professionals use them as a base between sites. Photographers, event businesses and production crews use them as practical working vehicles. And rental operators buy them as income-generating assets, either building a first fleet or expanding an established one. Whatever the reason, this is business asset finance: the vehicle is used to run or support the business, so the cost can be spread over fixed monthly payments rather than paid upfront.
Campervan & Motorhome Finance Calculator
Adjust the figures below to estimate an indicative monthly payment for one vehicle.
Estimated Monthly Payment
£0.00
Vehicle value
£65,000
Deposit
£8,000
Amount financed
£57,000
Balloon
£0
Term
48 months
Business profile
Strong
Total payable
£0.00
This calculator is for illustration only and estimates a single vehicle. Actual finance terms depend on lender approval, business profile, deposit, vehicle age, term, balloon and underwriting. It does not guarantee acceptance or a specific rate.
What this covers
Buying A Campervan Or Motorhome Through Your Business
The most common question we're asked is whether a campervan can be bought through a business at all. It can, and Avro arranges this regularly for limited companies and sole traders.
Businesses buy campervans and motorhomes for all sorts of reasons. Trades and contractors working away from home often find a campervan removes the cost and hassle of hotels on long jobs. Consultants and mobile professionals use them as a base between sites. Photographers, event businesses and production crews use them as practical working vehicles. Rental operators buy them as income-generating assets.
What none of these businesses need from Avro is tax advice. Whether you can offset running costs, claim capital allowances, or treat the vehicle as a tax-efficient purchase depends entirely on how the business uses it and what your accountant advises. That's their job, not ours. Our job is to arrange the finance.
New, used & converted
New, Used & Professionally Converted Vehicles
New vehicles from established converters and dealers are straightforward to fund. Used vehicles are just as financeable, and are where a lot of the value in this market sits.
Used campervans and motorhomes are financed regularly, particularly well-maintained vehicles with good documentation. Lenders look at the age of the base vehicle, the mileage, the quality of the conversion and the overall condition. A well-presented vehicle with a clear history is straightforward to fund.
Professionally converted campervans are financed alongside factory-built and coachbuilt motorhomes. The one thing a conversion needs to be is professional. A vehicle converted to a proper standard by a competent converter is straightforward to finance; a basic or amateur conversion carried out at home is not something this product is structured to fund.
Rental & seasonal fleets
Financing A Rental Or Seasonal Fleet
Rental fleets bring their own planning questions, particularly around deposits at the end of the off-season, when cashflow is stretched without hire income coming in. A few things are worth structuring around from the outset:
- Deposit timing matters as much as deposit size. A larger deposit reduces the monthly payment and total interest, but ties up cash exactly when a seasonal business can least afford it.
- VAT can be paid upfront and reclaimed the following quarter, or deferred, where the funder covers it upfront and you repay it in line with your own VAT quarter, which helps preserve cashflow at purchase.
- Term and balloon should be matched to how long you actually plan to keep each vehicle. A shorter term with a balloon payment can suit an operator replacing vehicles every couple of years, since it pays down interest more aggressively and leaves more equity in the vehicle at resale.
- The balloon figure is set against the vehicle's estimated future market value, accounting for expected mileage, so a shorter-term balloon is set higher than a longer-term one.
Electric campervans
Electric Campervans & Motorhomes
Electric campervans and motorhomes are financed in exactly the same way as diesel or petrol vehicles, whether factory-built, coachbuilt or professionally converted onto an electric base.
Built for both
Owner-Drivers And Rental Fleets, On The Same Basis
Whether it's one vehicle for your own business use or a growing rental fleet, the underlying product is the same.
Business owners & mobile professionals
For trades, consultants, event and production businesses financing a vehicle for their own use.
- Applies whether you trade as a sole trader or through a limited company.
- Used as a mobile base, working vehicle or accommodation on long jobs.
- Sole trader deals must exceed £25,000 to qualify as unregulated finance.
- New and recently started businesses considered.
Rental operators & fleets
For businesses building or expanding a campervan or motorhome rental fleet.
- First vehicle to test the market, or additions to an established fleet.
- Assessed on the strength of the business and projected income.
- Multiple vehicles financed as separate agreements or a coordinated structure.
- Deposit, VAT and balloon structured around your season and replacement cycle.
Funding routes
Finance Options For Campervans & Motorhomes
Lease Purchase
Defers part of the balance to a final balloon payment, lowering the monthly cost across the term.
Asset Refinance
Releases capital from a campervan, motorhome or fleet you already own, subject to equity and lender criteria.
Why clients choose Avro
Why Businesses Choose Avro
1
Manual underwriting
Applications are assessed on the business and the vehicle, not run through a generic scorecard.
2
Single vehicle or fleet
The same product scales from one business owner's first vehicle to a growing rental fleet.
3
New businesses considered
Recently incorporated companies are assessed on the director's credit history where trading history is limited.
4
Fixed monthly payments
Predictable costs, with an optional balloon structured around your replacement cycle.
What to expect
How The Process Works
1
Tell us about the vehicle
New, used or converted, price, and whether it's for your own use or a rental fleet.
2
We review the business
Sole trader or limited company, established or newly formed, we look at the trading position.
3
Structure the deal
Deposit, term, balloon and VAT treatment set against the vehicle and the business.
4
Funds released
Once terms are agreed and documents are signed, funds are released so you can take delivery.
Important information
Eligibility & Agreement Information
Important: Limited companies can typically be funded from £10,000. Sole traders and individuals are funded from £25,000, since UK law (FSMA, article 60C) requires a business finance agreement with a sole trader to exceed £25,000 to qualify as exempt from consumer credit regulation; deals below this figure fall outside what this product is structured for. Avro arranges unregulated business finance agreements for limited companies and self-employed commercial entities, for business use only. This is not consumer credit and does not provide the same protections as a regulated consumer finance agreement.
Common questions
Campervan & Motorhome Finance FAQs
Can I buy a campervan or motorhome through my business?
Yes. Avro arranges finance for limited companies and sole traders buying campervans and motorhomes for business use. Whether the purchase is tax-efficient for your particular business is a question for your accountant; Avro arranges the finance.
What is the minimum deal size for campervan or motorhome finance?
Limited companies can typically be funded from £10,000. Sole traders and individuals are funded from £25,000, the threshold UK law sets for an unregulated business finance agreement with a sole trader to qualify as exempt from consumer credit regulation. Most campervans and motorhomes sit comfortably above these figures.
Can I finance a professionally converted campervan?
Yes, provided the conversion has been carried out to a proper standard by a competent converter. A basic or amateur conversion is not something this product is structured to fund.
Can I finance vehicles for a campervan or motorhome rental fleet?
Yes. Rental operators are a core part of the business we arrange, whether you're buying a first vehicle to test the market or adding to an established fleet. Deposit, term and balloon can be structured around the season and the replacement cycle.
Can a new or recently started business apply?
Yes. New limited companies and recently incorporated businesses can apply, usually assessed on the director's personal credit history where there isn't a long trading record to rely on. A deposit is usually required.
Can I finance an electric campervan or motorhome?
Yes. Electric campervans and motorhomes are financed in exactly the same way as diesel or petrol vehicles.
How long does the finance term run?
Business campervan and motorhome finance typically runs up to five years. A balloon payment can be added at the end of the term to reduce the monthly cost, sized against the vehicle's expected future value and mileage.
Can VAT be deferred rather than paid upfront?
In some cases, yes. VAT can be paid upfront and reclaimed in your next VAT quarter, or structured as a deferral where the funder covers it upfront and you repay it in line with your VAT quarter, subject to lender criteria.
Is campervan and motorhome finance from Avro regulated?
No. Avro arranges unregulated business finance agreements for limited companies and self-employed commercial entities, for business use only, and does not provide consumer credit or regulated financial products.