Different ways of working
Applications can be considered from sole traders, contractors and company directors.
Self-employed motorbike finance
Built your own way? Finance can be considered your way.
Being self-employed, a contractor or a company director should not stop you from making a motorcycle finance application. Mallory Motorcycles will help you understand the information a lender may need and the next steps available.
FCA-authorised credit broker Clear information about evidence Finance subject to status
Self-employed income
Your circumstances deserve a complete view.
Self-employed income can look different from a standard salary. A lender may consider your trading history, the regularity of your income, business costs, personal outgoings, credit history and the affordability of the proposed agreement.
We are a credit broker, not a lender. Our role is to explain the process and introduce customers to a carefully selected panel of finance providers where appropriate. The lender makes the credit decision.
Evidence matters
Clear, up-to-date documents help a lender understand your income pattern.
Affordability matters
Any agreement must be suitable for your income and regular commitments.
Preparing to apply
Have the right details to hand.
The information needed varies by lender and application. We will only ask for what is relevant to the process.
Income evidence
A lender may ask for documents that show how your business income is received and maintained.
- Recent business or personal bank statements
- Tax calculations or tax returns
- Company accounts where relevant
- Accountant-prepared information
Your business picture
Trading history and income patterns can help a lender understand your wider financial circumstances.
- Your type of self-employment
- How long you have been trading
- Regular income and business costs
- Changes that may affect income
Your monthly budget
It is important to consider the costs that come out of your income each month as well as the income itself.
- Housing and household bills
- Existing credit commitments
- Insurance and transport costs
- Everyday living costs
How it works
A simple, considered route to your next bike.
Applying is not a credit decision. We will explain what happens next and provide the appropriate pre-contract information before you enter into any agreement.
- 01
Choose your motorcycle
Browse live stock or let us know what motorcycle you are looking for.
- 02
Share accurate details
Tell us about your self-employment, income and regular commitments.
- 03
Discuss the next step
We will explain any available option before a lender credit search is proposed.
- 04
Collect or arrange delivery
Once everything is complete, collect your motorcycle or arrange nationwide delivery.
Part exchange
Use your current bike to reduce what you borrow.
If you have a motorcycle to part exchange, we can assess it and discuss how its value may contribute towards your next bike, subject to appraisal.
Explore part exchangeSelf-employed motorbike finance FAQs
Questions answered clearly.
Every finance application is assessed individually. We will be open about the process from the beginning.
Can I apply for motorbike finance if I am self-employed?
Yes, you can make an application if you are a sole trader, contractor, partner or company director. Each application is assessed individually and is subject to lender criteria, affordability checks and status.
What proof of income might I need?
Requirements vary by lender, but you may be asked for recent bank statements, accounts, tax calculations, an accountant’s certificate or other evidence of regular income. We will explain what is needed for the next step.
Can I apply if my income changes each month?
Variable income does not prevent you from applying. A lender will consider your individual circumstances and whether the proposed payments are affordable and sustainable. Finance is not guaranteed.
How long do I need to have been self-employed?
There is no single answer, as requirements differ between lenders. Your trading history, evidence of income and wider application will all be considered.
Will I need a deposit?
That depends on the motorcycle, the amount being borrowed, your circumstances and the lender’s requirements. An approved part exchange may be used towards a deposit or reduce the amount borrowed.
Can I settle my agreement early?
You usually have the right to settle regulated hire-purchase finance early. Your lender can provide a settlement figure and explain how it is calculated under your agreement.
Related finance guides
Explore the route that fits you.
Take the next step
Explore finance for your next motorcycle.
Start an initial application online, or speak with the Mallory team first. Finance is not guaranteed and is subject to status and affordability.
Mallory Motorcycles Ltd is authorised and regulated by the Financial Conduct Authority (FRN 1037062). We are a credit broker, not a lender. We can introduce you to a limited number of lenders and may receive commission for an introduction; this does not create an additional charge to you. Finance is subject to status. Terms and conditions apply. Available to UK residents aged 18 and over.