Cash advances for UK motor home dealers.
For motor home, caravan, and RV dealers. Funded against your card takings. Sales deposits, servicing, accessories, hire. Built for dealers where 60% of the year's revenue lands between March and August.
A note on the lender panel for motor home dealers
Motor home is one of the most seasonal automotive sectors. Spring and early summer dominate sales, autumn and winter are dead. Specialist lenders price for this. Stock funding is the right tool for vehicle inventory; MCA fits well for forecourt prep, accessories, hire fleet additions, aftersales investment, and bridging the long off-season.
What MCA means for a motor home dealer.
Motor home and caravan dealer revenue is intensely seasonal, March to August does 60-70% of the year. Card takings come from sales deposits (typically £2k-£10k), accessories (awnings, motor-movers, satellite kit, bike racks), parts, servicing, hire fees, and storage. Customers often part-fund with HP and the balance arrives by bank transfer. Common uses: forecourt prep before season opener, accessories stock, hire-fleet vehicle additions, accessories bay or workshop fit-out, marketing for spring shows, end-of-season cashflow bridge.
Sound familiar?
January to March prep before the season opens.
Vehicles need pre-delivery inspection, valet, accessories install, signwriting. Forecourt dressing, signage, lighting all need refresh. £20k to £80k of work funded before the first deposit lands.
MCA in February covers the prep cycle. Repayment starts as the spring deposits flow in March-April. Daily repayment % ramps with the season, not against the season.
Hire fleet expansion.
Adding hire vehicles requires upfront capital. Vehicle purchase, conversion, livery, insurance. £40k-£100k per vehicle. Hire revenue is steady through the season but the vehicle pays back over 2-3 seasons.
MCA bridges the working capital gap when hire vehicles are added mid-cycle. Hire booking revenue (all card) feeds repayment. Often combined with asset finance for the vehicle itself.
Accessories shop and parts inventory.
Awnings, motor-movers, satellite, bike racks, leveling kits. All high-margin items customers buy at point of sale or shortly after. £15k to £50k of stock to display credibly.
MCA funds the accessories build-out. Higher-margin kit (often 35-50%) lifts overall margin and the daily repayment % is comfortably absorbed by the resulting card volume.
Here's what it actually costs.
A motor home dealer borrows £45,000 for spring forecourt prep, accessories stock and a hire-fleet addition. Monthly card takings averaged across the year: £22,000 (with summer peaks of £45k and winter troughs of £6k). £45,000. Average monthly card takings £22,000. Fixed cost 1.24. 12% daily repayment % on card sales, total cost £10,800.
These figures are illustrative. If a term loan or asset finance fits your situation better, we'll tell you.
Open the fixed cost calculator →Work out the real cost.
New businesses typically start at a higher daily % and a shorter term.
£33,000 is the maximum advance for your card takings (150% of monthly card takings).
Illustrative only, not a quote.
- Advance£33,000
- vs card takings150%
- Fixed cost1.24
- Daily repayment£87
- Avg monthly£2,640
- Est. term15.5 months
Illustrative. The fixed cost is set on day one; daily repayment varies with takings. Term capped at 18 months.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
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Apply with these numbersMotor home dealers, quick answers.
Specialist lenders price for the seasonality and often structure the daily repayment % to draw heavily during peak months and very lightly off-season. We size the advance against full-year card revenue. They understand winter is winter.
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