Hearse, Ambulance & Practice Vehicle Finance
Vehicles that carry
the practice’s name.
Hearses and limousines, ambulatory vehicles for farm and equine work, and cars for care teams. Vehicle finance spreads the cost over the working life of the fleet.
- Confidential, no-obligation discussion
- Whole of market access
- We are a broker, not a lender
“Kind and highly efficient: I would highly recommend them for a fast, professional service.”
Who this is for
- Lender searchWhole of marketNot tied to any one lender
- Instant QuotesNo credit searchSee indicative quotes first
- Who we helpProfessional practicesSole traders, partnerships, LLPs and companies
- Our roleSpecialist brokerWe approach suitable lenders for you
Quick answer
How can a practice finance specialist vehicles?
Practice vehicle finance spreads the cost of vehicles over their working life, through hire purchase, leasing or asset loans. It covers hearses and limousines for funeral directors, private ambulances, veterinary ambulatory vehicles and cars for care teams. We arrange vehicle finance across the market, including for specialist and converted vehicles.
The pressure
Specialist vehicles, specialist funding.
A hearse, a limousine or an equipped ambulatory vehicle is not an everyday car, and not every finance provider will fund one. Their values, working lives and resale markets are specialist, so the choice of funder matters.
Replacing a fleet all at once can be a heavy single cost. Spreading it over the vehicles’ working lives keeps the cash in the practice.
What can be financed
What it can cover.
“I was particularly impressed with your speed of response and professionalism throughout the process.”
- 01 Hearses, limousines and private ambulances For funeral directors.
- 02 Ambulatory and farm vehicles For veterinary practices.
- 03 Cars and adapted vehicles For care teams.
How it’s often structured
Structured around the practice.
Usually hire purchase or leasing, matched to how long the vehicles will be kept. Specialist vehicles such as hearses often need a funder familiar with them.
Hire purchase leads to ownership once the final payment is made; leasing and contract hire give use of the vehicle for a set period. Conversion and specialist fit-out costs may be funded with the vehicle, depending on the funder. Our guide to hire purchase, leasing or a loan compares the options.
How we help
Not one lender. The right one.
We don't offer a single product. We look at what you're trying to fund, how your firm earns and spends, and which lenders in the market are most likely to support it. Then we prepare the case, approach suitable lenders and manage the process through to completion.
- Whole of market accessHigh street banks, specialist and private lenders.
- Specialist understandingLenders who understand how practices earn and grow.
- Your case, properly presentedStructured and put to lenders suited to it.
- With you to completionFrom the first conversation to funds arriving.
What lenders will want to see
What lenders will look at.
- The vehicle quote, including any conversion or specialist fit-out
- How long the vehicles will be kept
- The practice’s accounts and existing finance agreements
- Whether existing vehicles are being part-exchanged or sold
Questions
What firms usually ask.
Can funeral directors get finance for a hearse?
Yes. Hearses, limousines and private ambulances can typically be funded through hire purchase or leasing. Specialist vehicles often need a funder familiar with them, as coachbuilt vehicles hold their value differently from ordinary cars. We search the market for funders who understand funeral fleets.
Hire purchase or leasing: which is better for practice vehicles?
It depends on how long you plan to keep the vehicles and whether you want to own them at the end. Hire purchase usually leads to ownership, while leasing can suit vehicles replaced regularly. Tax treatment differs too, so speak to your accountant. We’ll compare options across the market.
Can veterinary practices finance ambulatory vehicles?
Yes. Vehicles fitted out for farm and equine work can be funded, often including the specialist fit-out. Lenders will look at the practice’s accounts and the vehicle itself. We approach funders who are comfortable with converted and adapted vehicles, not just standard cars and vans.
Can care providers finance cars for their care teams?
Often, yes. Care providers can fund cars and adapted vehicles for staff who travel between clients, spreading the cost over the working life of the fleet. We look at how many vehicles you need and how long you keep them, then search the market for suitable funders.
Is vehicle finance for a sole trader or partnership regulated?
It can be. Borrowing of £25,000 or less by sole traders and small partnerships can be regulated consumer credit, depending on the agreement. Larger amounts and borrowing by companies are treated differently. We’ll tell you at the outset if regulation applies to your vehicle finance.
In our clients’ words
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
Knowledge Hub
Read the guides.
Let's talk
Renewing the fleet?
Talk to us about specialist vehicle finance.
Before you approach a lender, speak to someone who understands the transaction. Confidential, no-obligation initial discussion.
