Motorcycle & cycle dealer finance inventory and floorplan finance for the UK network.
Brands need UK retail presence. Dealers need stock on the floor. We fund both ends of the chain, for cycle, e-bike, and motorcycle distributors and dealers.
The sector, as it actually trades.
Emerging cycle brands and mid-market motorcycle distributors face the same structural problem: they need UK retail presence but cannot absorb the credit risk of direct dealer terms. With premium e-bikes now matching motorcycle price points, the two sectors are functionally indistinguishable from a financing perspective. Both carry seasonal stock builds, serialised inventory, and post-Brexit import complexity. Both depend on a dealer network that is itself capital-constrained.
What our facilities actually do for you.
We provide revolving dealer inventory finance for cycle and motorcycle brands entering or scaling in the UK market. Our facilities cover stock-on terms, credit risk management on the dealer book, and customs clearance support where it is needed. The model has been proven in practice - including direct involvement in delivering the cycle industry's first retailer stocking finance programme in partnership with a major European brand, and through specialist finance relationships across the UK motorcycle distribution network.
The structure behind the deal.
This is a relationship-led opportunity. We bring direct connections at brand and distributor level across Europe, and at retail and dealership level across the UK. A floorplan-style workflow serves both markets equally well. The same operating template scales from a niche cycle brand entering the UK to an established motorcycle distributor refinancing a national dealer book.
What this looks like in practice.
A representative facility structure for this sector. The numbers and outcomes are illustrative, not a quote.
Representative example only, not a quote. Indicative sizes, pricing, and structures shown are illustrative and subject to credit assessment and final agreement. Last Mile Capital provides finance facilities to limited companies, partnerships, and other commercial borrowers; we are not authorised by the Financial Conduct Authority and do not provide consumer credit.
Let’s talk about your business.
Whether you are a manufacturer needing dealer finance, an operator needing fleet capital, or a funder looking for serialised, asset-backed origination. We would like to hear from you.