Can You Finance a Bus and Fit-Out Together?

Key highlights

• Bus and eligible fit-out funded in one facility
• Single repayment instead of juggling separate loans
• Accessibility gear, seating and wraps may be included
• Line up bus and fit-out quotes together
• Simon can structure the whole package neatly

Can you finance a bus and fit-out together?

Some lenders will finance the bus and eligible fit-out costs together in one facility, so you have a single repayment rather than juggling separate loans. This can suit operators converting a bus for a shuttle, school or disability-accessible role, subject to lender criteria and how the fit-out is invoiced.

What fit-out costs can be financed?

Permanent fixtures that add value to the bus, such as accessibility equipment, seating configurations, wraps or fixed fit-out, are the most straightforward to include. Loose or consumable items are less likely to qualify. Providing clear quotes for the work helps the lender assess what can be rolled in.

How do you structure bus and fit-out finance?

It helps to have the bus purchase and the fit-out quotes lined up together so the lender can consider the full package. This keeps your repayments simple and your working capital intact. For how the fit-out is treated for depreciation, check with your accountant or registered tax adviser.

How do you finance the whole package?

Simon can structure a bus-plus-fit-out facility across Overdrive's lender panel to keep it in one neat repayment. Request an obligation-free quote. It's a soft check that won't affect your credit score.