Campervan Finance for Business

More businesses are buying campervans than you might expect. Some travel for work and have worked out that a campervan costs less than a run of hotel bookings. Some run rental fleets. Some use them as mobile bases, meeting spaces, or a practical way to stay on site during a job that runs across several days.

Whatever the reason, if you want to buy a campervan or motorhome through your business, we can arrange the finance. We fund the vehicle. Whether it works as a tax-efficient purchase for your particular business is a question for your accountant, and we leave that side of it to them.

This page is for businesses. If you are buying privately as an individual, this product is not right for you unless you are a company director, in which case we could still help.

Buying a campervan through your business

The most common question we are asked is whether you can buy a campervan through a business at all. The answer is yes. We arrange finance for limited companies and sole traders buying campervans and motorhomes regularly.

Businesses buy campervans for all sorts of reasons. Trades and contractors who work away from home often find that 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 film crews use them as practical working vehicles. And rental operators buy them as income-generating assets.

What none of these businesses need from us is tax advice. Whether you can offset the running costs, claim capital allowances, or treat the vehicle as tax-efficient depends entirely on how your business uses it and what your accountant advises. That is their job, not ours, and we do not comment on it. Our job is to arrange the finance quickly and competitively so the purchase can happen.

A real example

One business we helped builds children's playgrounds. The team travels all over the country, often staying away for several nights at a time while a project is built. They were spending a significant amount on hotels. They worked out that the monthly finance payment on a campervan came to less than they were spending on overnight accommodation, with money to spare. The campervan paid for itself and gave the team somewhere consistent to stay on every job. We arranged the finance through their limited company and the vehicle was on the road within a couple of weeks.

Campervan rental businesses

Campervan and motorhome rental is a growing sector, and rental operators are a core part of the campervan finance we arrange.

Whether you are buying your first vehicle to test the market or adding to an established rental fleet, we can help. Rental businesses are assessed on the strength of the business, the projected income, and the usual credit considerations. For operators building a fleet, we can often arrange finance across multiple vehicles, either as separate agreements or structured so that vehicles can be added as the business grows.

If you are starting a rental business from scratch, that is not a barrier. We work with lenders who support new ventures where the director has a solid credit history and a clear plan. See the new business section below for more.

New and used campervans

We arrange finance on both new and used campervans and motorhomes.

New vehicles from established converters and dealers are straightforward. The valuation is clear, the condition is not in question, and the finance is quick to arrange.

Used campervans are just as financeable. The used market is where a lot of the value sits, particularly on well-maintained vehicles with good documentation. Lenders will 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.

We finance professionally converted campervans as well as factory-built and coachbuilt vehicles. The one thing a conversion does need to be is professional. A van that someone has cut a hole in the roof of and fitted a pop top in a driveway is not something we can finance. A conversion carried out to a proper standard by a competent converter is absolutely fine.

Volkswagen campervans

No campervan page would be complete without mentioning Volkswagen. VW is the most recognisable name in the sector and holds its value better than almost anything else on the market.

We finance the full range. The classic and retro models, the Transporter-based conversions, and the factory California with its built-in pop top and kitchen. Custom conversions built on the VW Transporter platform are among the most popular vehicles we fund, and their strong residual values make them a sound asset from a finance point of view.

If you have your eye on a VW, new or used, factory-built or professionally converted, we can arrange the finance.

Electric campervans

Electric campervans have arrived properly, and we finance them in exactly the same way as diesel or petrol vehicles.

The Kia PV5 has become the standout electric campervan base since arriving in the UK. It was named International Van of the Year 2026 and a number of UK converters are now building campervans on it. Its combination of range, interior space, and a long warranty has made it the vehicle that moved electric campervans from interesting idea to genuinely practical. Other electric bases including the Volkswagen ID. Buzz and various Stellantis, Ford, and Mercedes electric vans are also being converted.

If you are looking at an electric campervan for your business, the finance works the same way. Get in touch and we will arrange it.

Get pre-approved before you go shopping

This is the single most useful piece of advice we can give anyone buying a campervan for their business.

Get your finance pre-approved before you start looking. It means you know exactly what you can afford, you have the funding in place, and you can move quickly when you find the right vehicle. Good campervans, particularly used ones and popular conversions, sell fast. Being ready to proceed puts you in a far stronger position than a buyer who still has to sort out finance.

The process is simple. Speak to us and we will get you pre-approved based on your business. Then, once you find a campervan you like, we take over the checks. We confirm the dealer is reputable and offers a decent warranty. We run an HPI check to make sure the vehicle has no outstanding finance against it, has not been written off, and is not recorded as stolen. Once everything is clear, we get an invoice from the dealer made out to the finance company, arrange payment, and get you on the road as quickly as possible.

You do the enjoyable part, which is choosing the vehicle. We handle the rest.

Finance for new and start-up businesses

New limited companies, recently incorporated businesses, and start-ups under two years old are all welcome to apply.

A campervan financed through a new business is usually assessed on the strength of the director's personal credit history, since there is no lengthy trading record to rely on. Where the director's credit history is good, we can often arrange finance even for a business that has only recently started trading. A deposit is usually required.

This applies whether the campervan is for the working owner of the business or the first vehicle in a new rental venture. Visit our new business van finance page for more detail on what lenders look for with early-stage businesses.

Finance terms and monthly payments

Business campervan finance typically runs over a term of up to five years. This is different to the consumer leisure market, where much longer terms are common, and it reflects the way business finance is structured.

If keeping the monthly payment manageable is important, we can sometimes structure the agreement with a balloon payment at the end. This reduces the monthly cost across the term, with a larger final payment due at the end that can be settled, refinanced, or covered by selling the vehicle. We will talk through whether that structure suits your situation before anything is submitted.

Who can apply

Limited companies can typically borrow from £10,000. Sole trader finance is available from £25,000 on unregulated credit agreements. Most campervans and motorhomes sit comfortably above these thresholds.

We arrange finance for established businesses, new and recently incorporated companies, sole traders, and rental operators. If you are not sure whether your business qualifies, the quickest thing to do is ask. We will give you a straight answer before anything is submitted.