Curtainsider truck finance
Curtainsiders are the most generic body in UK haulage, which is exactly why they are among the easiest trucks to get funded properly.
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Yes. A curtainsider rigid funds straightforwardly on hire purchase or lease, and because the body is standard rather than bespoke, the widest possible funder panel will look at it. Used curtainsiders fund across a long age band. The one thing worth knowing is that the body specification affects payload more than buyers expect, a heavy-duty curtain frame, a column tail lift and a load-lock system can absorb a meaningful share of the available weight, and a funder who knows the sector will query a spec that cannot carry what the described contract needs.
Who finances this
General hauliers, palletised network members, builders’ merchants and manufacturers running their own distribution. The trigger is usually joining or expanding within a pallet network, where curtainside access from both sides and a tail lift are effectively mandatory, or replacing a body that has reached the point where curtain repairs are constant. Others are manufacturers who have decided that controlling their own delivery is worth more than the flexibility of a haulier.
How lenders see it
This is the body type funders least worry about. Curtainsiders resell to anyone carrying palletised freight, which is most of the industry, so recovery value is predictable and the panel is broad. That breadth means the operator’s profile becomes the deciding factor rather than the asset. Funders check O-licence standing and disc margin, look at whether the business is in a pallet network or holds direct contracts, and assess fleet operators from accounts. Owner-drivers are underwritten more personally. Body age is treated leniently because curtains, boards and straps are consumable and replaceable. The rare problems are bodies with corroded frames or accident repair history, and chassis bought privately with no maintenance record.
Buying used
Yes, used curtainsiders fund easily, often to twelve years or more, because the body itself is repairable and rarely the limiting factor.
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Flowzo funds operating costs against 30 to 60 day customer terms, including the financial standing requirement on an operator licence.
Buying a truck or trailer at auction? We can give you an indicative decision before you bid, and we list every UK machinery auctioneer and livestock mart.
Machines we have funded
| DAF LF 260 curtainsider | Eighteen tonne rigid curtain for pallets |
|---|---|
| Mercedes-Benz Atego 1523 | Fifteen tonne curtain for regional work |
| Volvo FL 250 curtainside | Rigid curtain with column tail lift |
| Scania P280 curtainsider | Durable rigid curtain for distribution |
| Iveco Eurocargo 120E curtain | Twelve tonne curtain for town delivery |
| MAN TGM 18.290 curtainsider | Higher power rigid for hilly routes |
| DAF CF 260 6x2 curtain | Twenty-six tonne curtain rigid |
| Cartwright rigid curtainside body | British-built curtain body |
| Tiger curtainside bodies | Curtain bodies with easy-slide runners |
| Isuzu Forward N75 curtain | Small curtain for tight access drops |
What a curtainsider truck actually costs to buy
Prices for a curtainsider truck advertised by UK suppliers run from £18,950 to £49,950 (checked 28 October 2026).
Fitted kit beats age and mileage as the price driver: a 2020 DAF LF230 day cab with 300,000km sold for £18,950, while a 2022 DAF LF260 with a tuck-away tail lift, sleeper cab and air suspension, newer AND with fewer kilometres at 198,000km, was priced at £36,500, almost double. The biggest single stockholder in the sample, Chris Hodge Commercial (around 15 near-identical 18-tonne DAF/MAN curtainsiders, all Euro 6, all with tail lifts), publishes no price on any of them; every priced row in this dataset came from a smaller independent dealer instead, so a large share of UK 18-tonne curtainsider stock online is quote-gated, not priced.
| Machine | Asking price | Seen at |
|---|---|---|
| DAF LF 230, 2020 (20 reg), curtainsider, 4x2, automatic gearbox, side-mounted batteries, 2 toolboxes, rear barn doors, 24ft internal body, day cab | £18,950 VAT not stated | truckpages.co.uk |
| Mercedes-Benz Antos 1824, 2019, 4x2 curtainsider, 18T GVW, folding tail lift and winch, automatic, day cab, 330,304 km | £22,000 VAT not stated | trucklocator.co.uk |
| DAF LF 260, 2022, 18 ton curtainsider, tuck-away tail lift on air, sleeper cab on air suspension, AS Tronic automatic, air con, 360-degree camera | £36,500 VAT not stated | truckpages.co.uk |
| DAF CF 260, 2022 (72 reg), 18t curtainsider, tail lift on air, high roof sleeper cab on air suspension | £39,950 VAT not stated | trucklocator.co.uk |
| Iveco Eurocargo 180-250, 2023 (23 reg), Euro 6, high roof sleeper cab, 27ft curtainsider (8ft9 through curtain side), barn doors | £49,950 VAT not stated | truckpages.co.uk |
Prices checked 28 October 2026 on trucklocator.co.uk, truckpages.co.uk. These are asking prices observed on dealer and marketplace listings, shown as examples. They are not a quote or an offer of finance, and they move with the market. Check the current advert before budgeting.
How finance works on a curtainsider truck
The prices above are what a seller is asking. What a funder will actually do with the purchase is a separate question, and it is the one that decides whether the deal happens.
| Question | Typical answer |
|---|---|
| Term available | 12 to 72 months. Most agreements sit between 24 and 60 months; anything shorter or longer needs a funder check before you rely on it. |
| Age of the asset | There is no single cut-off. It depends on the asset class, and condition, hours and resale value are underwritten rather than the year alone. Tell us the age and we will say before you commit. |
| Buying from a private seller | Often possible, but case by case. It needs a funder who will write it, an inspection and proof of ownership, so say whether the seller is a dealer or a private seller when you enquire. |
| Deposit | Frequently nil where the credit profile is standard. Where it is not, typically 10–20%, nearer 20% if a default is recent. |
| VAT on the purchase | Both approaches exist, depending on the funder. The agreement is commonly written on the ex-VAT price with the VAT paid upfront and reclaimed, though some funders will include the VAT in the agreement. |
General guidance from our own funder panel as at 31 October 2026, not a quote and not an offer of finance. All finance is subject to status and to the funder's own criteria.
How much payload does a curtainsider lose to the body?
More than most buyers allow for. A heavy curtain frame, internal load restraint and a column tail lift together take a real bite out of the available weight. If a contract needs a specific payload, specify the body around that figure. Lightweight curtain systems exist precisely because operators kept running out of weight before space.
Can I finance a re-bodied curtainside truck?
Usually yes. Putting a newer body on a sound chassis is common and funders understand it. They will want to know who did the work and see the bodybuilder’s invoice, because that establishes both value and quality. A professionally re-bodied truck is generally viewed as an improved asset rather than a compromised one.
Is a curtainsider easier to finance than a box body?
Marginally, because curtainsiders suit more buyers on resale, anything moving pallets can use one. Boxes are also easy, but a box with racking or a specific internal fit narrows the market. In practice both sit in the straightforward category and the operator’s trading position matters far more than the choice between them.
Do I need a tail lift on a curtainsider?
Only if your deliveries lack loading facilities. Pallet network and retail delivery work almost always requires one; trunking between depots with forklifts at both ends does not. It adds cost and takes payload, so specify it because the work needs it. Funders include a dealer-fitted lift in the facility without difficulty.
Can I fund a used curtainsider from an auction?
It is possible but less straightforward than a dealer purchase. Funders want clear title, an HPI check and ideally an inspection, and auction timescales can be tight for arranging that. Speak to us before you bid so the facility is agreed in principle, rather than winning a lot and then trying to arrange funding against the clock.
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