Bus and Coach Financing

Whether you are a small family-run business or a national transportation company, CapInvest offers bus and coach finance solutions to fully meet your requirements. We work with businesses of all shapes and sizes – from new start-ups to long established operators.

If you need to finance a coach fleet or simply fund a small bus – CapInvest can help you acquire the vehicle or organise the coach leasing or funding.

Our Bus & Coach finance services are tailored to businesses in need of acquiring new and used buses or coaches. Our vast network of industry partners allows us to offer a broad range of bus and coach finance solutions, including hire purchase, leasing and operating lease.

At CapInvest, we have extensive coach finance experience and market knowledge and can assist you though the entire process.

What is the best method of financing?

We understand how important it is to be able to choose your method of asset finance and your repayment plan. That’s why we work hard to provide several coach and bus finance options that can be adjusted to your specific needs and requirements. When you choose CapInvest, you benefit from the option of spreading the cost of your coach or bus over several years if needed. Our repayment plans are transparent and flexible and can be further tailored to your specific business requirements.

After examining your operation, we will design a competitive bus and coach finance plan that allows you to:

  • Borrow up to 100% of the asset cost.

  • Receive flexible repayment plans for the contract period.

  • Seek additional source of credit secured on the asset.

  • Adjust monthly/quarterly and seasonal payments.
  • Raise additional cash for working capital.

  • Source a better bus or coach finance solution.

  • Remove the risk of the equipment’s future value with a lease.

Methods for Bus and Coach Financing

There are several suitable options for businesses looking for bus and coach finance at competitive rates and flexible terms. We will walk you through each available model and assess the risk-to-reward ratio for your company type, short and long term goals and budget to accelerate your business development plan.

Hire/Lease Purchase

Whether you need to finance a coach fleet or simply fund a small bus, a Hire/Lease Purchase is an ideal way to own the asset once the finance agreement has been repaid in full. Typically, you will need to put down 10% plus the VAT (on the cost of the asset) upfront in addition to the balance repayable over 2 – 10 years, depending on the asset.

You can take advantage of fixed or variable interest rates and claim any writing down allowances for offsetting against tax. VAT deferments are possible to assist with cash flow.

Finance Lease

The Financial Lease plan offers flexible up front initial rentals but it doesn’t allow you to own the asset. The leasing company retains full ownership and at the end of the primary period you pay nominal annual rentals.

Businesses can still show the asset and associated lease debt on their balance sheet. After returning the asset, you will receive a rebate in the region of 95% of the sale value.

Operating Lease

An Operating Lease is suitable for companies looking for a rental contract for periods of 2 to 7 years. The rentals are calculated on the difference between the cost of the asset and what the finance company considers it will be worth at the end of the term. All rentals you pay are tax deductible but the asset and operating lease liability do not appear on your balance sheet.


In some cases, it is better to refinance assets you already own to release capital to grow your business in other areas.

As part of refinancing you existing assets, you can:

  • Raise additional cash for working capital
  • Refinance assets subject to a current finance agreement over a longer period
  • Refinance owned assets as part of the security in a larger transaction

Want to find out more about your bus and coach finance options? Get in touch with CapInvest today.

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