Coffin trolley finance
The trolley under the coffin has to work perfectly every single time, in front of everyone, which is why funeral directors replace them before they fail.
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Can you finance a coffin trolley?
Coffin trolley finance covers the handling equipment a funeral director uses at the chapel and graveside: church trucks, bier stands, adjustable trolleys, lowering devices and the straps and boards that go with them. Individually these are modest purchases, so they are usually funded as a package alongside other equipment rather than on their own. Funders assess them as general business equipment, looking at recognised manufacturers and the trading strength of the firm. Both new and serviceable used items can be included where they are properly invoiced.
Used kit: Yes — used trolleys and church trucks are perfectly serviceable and can be funded within a wider package, though they add little to the value a funder can rely on.
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What would a coffin trolley cost per month?
Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. A quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
How lenders treat it
These are small-ticket items and that shapes everything about how they are funded. A funder will not build an underwriting exercise around a single church truck, because the administrative cost exceeds the value and there is no realistic prospect of recovering a trolley in a default. What works is bundling: combining handling equipment with mortuary kit, chapel furnishings or a vehicle so the total justifies a proper application. Manufacturer quality still matters, since equipment from established funeral suppliers holds modest value and reflects a business that buys sensibly. Ultimately the decision rests on the covenant rather than the asset, and the funeral sector supports that, with long-standing firms, steady demand and low insolvency rates. Items are often bought in matched sets so that every chapel presents consistently.
Makes and models we fund
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Ferno church trucks | Folding trucks for moving coffins in chapel |
| Ferno transfer stretchers | Wheeled stretchers for removals and transfers |
| Mopec mortuary trolleys | Stainless trolleys for preparation rooms |
| UFSK-International adjustable biers | Height adjustable biers for chapels |
| UFSK-International bariatric trolleys | Heavy duty trolleys for larger deceased |
| Kugel Medical transfer trolleys | Hydraulic transfer trolleys for mortuaries |
| Hygeco catafalque trolleys | Chapel catafalques for service use |
| Ferno graveside lowering devices | Mechanical lowering gear for burials |
| Stryker transfer stretchers | Wheeled stretchers for private ambulance work |
| CSI Jewett church trucks | Collapsible coffin trucks for cortege use |
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Who buys one
Generally an established funeral home replacing worn equipment across several branches at once, or a new business equipping itself from scratch and needing everything from trolleys to lowering devices before it can conduct a first funeral.
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How it is treated for tax
Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
Coffin trolley finance questions
Are these items too small to finance on their own?
Usually, yes. A single trolley is below the level most funders will write, so the practical approach is to combine handling equipment with a larger purchase such as mortuary kit, chapel furnishing or a vehicle.
Can we equip several branches in one arrangement?
Yes, and that is often what makes the numbers work. Aggregating equipment across sites into one schedule creates a package worth underwriting and saves repeating the process branch by branch.
Is bariatric equipment treated differently?
Not in funding terms, though it costs more and many firms now regard it as essential rather than optional. Including it in a wider schedule is the simplest route, and it is worth specifying properly rather than improvising.
Does the supplier matter to a funder?
Moderately. Equipment from established funeral suppliers is recognisable and holds some value, and buying from a known trade source also suggests a business operating to proper standards. Unbranded equipment adds nothing to the asset side of the assessment.
How should this be treated in our accounts?
Smaller items may be handled differently from larger capital purchases depending on your policies and the funding structure used. The amounts are modest but the treatment still varies, so confirm it with your accountant.
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
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Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
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