Question 1

What recycling plant can be financed?

Accepted Answer

Balers, shredders, granulators, trommels, picking lines, conveyors, compactors, weighbridges and the loading shovels that feed them.

Collection vehicles, skip and hooklift lorries and the skip fleet itself can go on the same or a parallel facility.

Question 2

Can a skip or bin fleet be funded?

Accepted Answer

Yes. Skips, RORO containers and wheeled bins are usually funded as a population on lease rather than individually, with additions made as the fleet grows.

Question 3

Does volatile commodity pricing affect the terms available?

Accepted Answer

Funders are aware that scrap, plastics and paper prices move, so they look at contracted gate fee and collection income as well as material sales. Where income is mostly contracted rather than commodity-linked, it is worth saying so early — it materially improves how the proposal reads.

Question 4

Can permitting and site infrastructure be included?

Accepted Answer

Fixed site works such as concrete pads, drainage, fire suppression and weighbridges can be funded, usually over longer terms than mobile plant. Permit costs themselves generally sit outside asset finance, though refinancing owned plant can free the cash to cover them.

Question 5

I have never used a finance broker before. Is it more hassle?

Accepted Answer

Less, in our experience. You complete one application and one conversation with us. We then approach the funders on your behalf, rather than you filling in separate forms for your bank, the dealer's finance arm and anyone else you might have approached. We handle the paperwork, the funder's questions and the chase-up, and we come back to you with the options set out plainly. You keep the decision; we do the legwork. It also protects your credit file. Rather than several lenders searching you in a short space of time, we place the proposal with the funders most likely to say yes to that particular asset and business.

Question 6

What types of assets can be funded?

Accepted Answer

Broadly, anything identifiable, durable and used for business purposes. In practice that means: tractors; combines and harvesters; balers, mowers and forage equipment; telehandlers and loaders; ATVs, side-by-sides and utility vehicles; grain handling, storage and drying plant; livestock housing, feeding and handling equipment; milking parlours and robotic milking systems; irrigation and water management; groundscare machinery including greens mowers, fairway units, sprayers and top dressers; construction plant such as excavators, dumpers and rollers; commercial vehicles, vans and trailers; solar arrays, battery storage and other renewables; and IT, software and telematics. If an asset is unusual we will say so early. Specialist or bespoke equipment can usually be funded, though the funder panel narrows and the structure may differ.

Recycling & Waste finance

Finance for every category of recycling & waste equipment

Recycling & Waste equipment we fund every week

Categories we regularly fund

Recycling & Waste finance: common questions

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