Finance question
Can I finance a horse float or livestock trailer?
Yes. A horse float or livestock trailer bought for a business, whether a stud, a transport operator, an agistment or a working farm, is standard equipment finance secured by the trailer. It funds across 40+ lenders up to $500,000, often with no financials needed.
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The short answer
A float is a fundable working asset
A horse float or stock trailer is towed plant, and lenders finance it like any other business equipment. An angle-load or straight-load float, a gooseneck with living quarters, or a livestock crate for cattle and sheep all hold value and stay in the business, so the trailer secures the loan. Studs, horse transport operators, agistment businesses, agistment and working farms all buy on this basis.
The range is wide. A single or double straight-load float can sit in the low tens of thousands, while a large gooseneck horse float with living quarters, or a heavy multi-deck livestock trailer for a transport run, can reach well into six figures. All of it fits inside equipment finance to $500,000, so most rural buyers stay clear of the ceiling.
Rural and agribusiness assets are a natural fit for low-doc and no-doc lending. Because the float or trailer is solid security, many lenders approve on an ABN and a clean history without asking for tax returns, which suits primary producers whose income is seasonal rather than neatly monthly.
Do you qualify?
What makes a float or trailer fundable.
The float or trailer
Horse float or livestock crate as the security.
An active ABN
Farms, sole traders and companies all qualify.
Business use
Stud, transport, agistment or a working farm.
Often no financials
The asset can carry the deal without tax returns.
Why financing a float works for rural business
The trailer secures it
A quality float holds value, so it is strong security for the loan.
Suits seasonal income
No-doc options fit primary producers whose cash flow is lumpy.
New or used
New builds and quality used floats and crates both fund.
A real example
A horse transport business upgrades to a $95,000 gooseneck float with living quarters to run interstate. Funded on a no-doc equipment facility secured by the float and approved on an ABN and a clean record, without handing over financials for a seasonal operation. Illustrative only.
Common questions
Frequently asked questions
Does the float need to be for a registered business?
It needs a business use and an active ABN. Studs, transport operators, agistment and working farms all qualify; purely private use does not.
Can I finance a float with living quarters?
Yes. A gooseneck float with living quarters is still one asset securing the loan, sized to the full purchase price.
Do I need financials for a rural asset like this?
Often no. Because the trailer is solid security, many lenders approve low-doc or no-doc on an ABN and a clean history, which suits seasonal income.
Does a used livestock trailer qualify?
Usually. Quality used floats and crates fund well; very old units can narrow the lenders, so we place the deal carefully.