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.
Used kit: 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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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).
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.
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 |
|---|---|
| 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 |
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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.
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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.
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.
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.
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.
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.
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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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.