We have the Accordo 125. It came with a rack fitted above the rear door. I could get a standard bike onto it with the aid of an entry step (I'm just under 6ft). However, when we bought electric bikes we had a towbar fitted to take a rack because the extra weight made it more difficult for me.
Very happy with it and because of it's size it is very nimble. I've swapped the slide out panels that lead to the under-bed space for a home made one with a door in it to make access to the area easier. We go away for months at a time and, with a bit of careful packing, can take lots of gear with us. We have had no worries about payload weight - I have checked by using a weighbridge belonging to a farmer friend (very handy).