Ward housing is unglamorous, long-lived and expensive to buy all at once, which is exactly the profile asset finance exists for.
Whole-of-market — 60+ lenders searched, including
Yes, with a caveat about how it is installed. Modular stainless steel kennel banks, cat ward units, walk-in runs, isolation housing and oxygen kennels are fundable, and are usually written as one schedule covering a whole ward. The caveat is that once units are fixed to walls and plumbed into drainage they become part of the building, and a funder cannot practically recover them. Free-standing modular systems read better than built-in masonry runs, and boarding kennel operators are assessed as leisure businesses rather than as healthcare.
Used kit: Rarely. Stainless housing lasts but the second-hand market is thin, and funders are wary of used units whose surfaces can no longer be properly disinfected.
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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).
The split here is between who is buying rather than what is bought. A veterinary practice gets the professional covenant treatment and a healthcare desk will move quickly on trading accounts. A boarding kennel or cattery is a leisure and hospitality risk: seasonal occupancy, weather-sensitive demand, and a local authority licence that can be varied or withdrawn, so funders want the licence, the occupancy record and usually a personal guarantee. Charities are a third case again, judged on reserves and grant income. Across all three, fixed installations have weak recovery value, so freehold premises and modular free-standing systems both improve appetite. Declines gather around unlicensed operators, short leaseholds, and applications where nearly all the cost is drainage, flooring and construction rather than the housing itself.
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 |
|---|---|
| Shor-Line stainless cage banks | Modular stainless steel cage banks |
| Shor-Line walk-in runs | Stainless walk-in kennel runs |
| Burtons walk-in kennel runs | Kennel runs for practice wards |
| Vet-Tech Solutions cat ward units | Modular cat housing for wards |
| Vet-Tech Solutions isolation kennels | Isolation housing units for practices |
| Vet-Tech Solutions stainless cage banks | Stackable stainless cages for wards |
| Eickemeyer oxygen kennel units | Sealed kennel units with controls |
| TriStar Vet kennel systems | Modular stainless kennel and cage systems |
| Midmark veterinary cage systems | Modular ward cages and banks |
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Veterinary practices rebuilding a ward that has reached the end of its life, or separating dog, cat and isolation housing to meet practice standards expectations. New start practices equipping wards from scratch. Outside clinical practice, boarding kennels and catteries expanding capacity and animal rescue charities replacing tired housing both come to us, and both are underwritten quite differently from a vet practice.
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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.
No. A vet practice is a professional healthcare covenant; a boarding kennel is a leisure business with seasonal occupancy and a local authority licence. Funders ask for the licence, occupancy figures and often a personal guarantee. Both are fundable, but through quite different parts of the market.
Some of it, if it sits on the supplier invoice with the housing. Resin floors, drainage channels and wall cladding are soft costs the funder cannot lift out and resell, so the proportion carried is limited. A separate builder invoice is much harder to bring into an equipment facility.
Often yes. Funders that write to charities look at reserves, restricted and unrestricted income, and the trustees. It is a slower process with more documentation than a trading company, and not every lender participates, which is where searching a wide panel makes a practical difference.
It is a higher value, more identifiable unit than standard housing, so it actually strengthens a schedule. Mention any piped oxygen supply work separately, as that is installation rather than equipment and will be treated as a soft cost by the underwriter. The kennel itself is a proper asset with a recognisable make and model, which is what the funder is really pricing.
It is the single most common friction on ward installations. Anything fixed to a leasehold building may not be yours at the end of the term, so funders want to see the lease and will prefer free-standing modular housing. A longer term or a freehold site widens the options considerably.
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 07581 364281 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.