Four post lifts and MOT ramps funded for test stations, service workshops and tyre bays needing drive-on access and wheel-free jacking.
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Yes. Four post lifts fund on hire purchase as hard assets, and because they sit on the floor rather than being anchored through it in the way a two post lift is, the fixtures question is usually less acute, though play detectors and pit installations change that. Used lifts are fundable with a valid thorough examination. The point buyers miss is the extras: play detector plates, jacking beams, alignment turn plates and the MOT approval work often cost as much as the lift and only some of it is fundable.
Used kit: Yes — used four post lifts fund well and ramps ten to twelve years old are common where a current thorough examination is in place.
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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).
Funders treat four post lifts as solid garage assets with a reliable dealer market. The credit conversation is usually easier than the practical one. Play detectors set into a pit, or a lift installed into a recessed bay, tie the equipment to the building and bring a landlord waiver into play on rented premises. Jacking beams, turn plates and slip plates quoted with the lift are part of the asset. Approval fees, ground works, pit construction and the statutory thorough examination are services or construction and sit outside the agreement. Because MOT bay equipment is so tied to the site, funders pay attention to how long your lease has left. Declines are most often about a short lease or a brand new business with no trading figures.
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 |
|---|---|
| Bradbury 4200 | Four post lift used in many test bays |
| Bradbury four post lifts | Platform lifts for servicing and inspection |
| Nussbaum Combi Lift 4.40 H | Four post lift with integrated jacking beam |
| Nussbaum Unilift 3500 NT | Scissor style lift for wheel free work |
| Stertil-Koni ST 1082 | Heavy four post lift for commercial vehicles |
| Stertil-Koni Diamond Lift | Inground lift for clean workshop floors |
| Ravaglioli RAV4402 | Four post lift for alignment and servicing |
| Ravaglioli RAV4652 | Longer platform lift for vans and light trucks |
| Tecalemit four post lifts | Four post lifts for testing and general repair |
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Usually a garage applying for MOT test station approval and fitting out a lane, or an existing station replacing a ramp that will not pass its next examination. Also tyre and fast-fit sites wanting drive-on access for speed, and workshops handling heavier vans and motorhomes that a two post lift will not safely take.
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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.
If they are quoted with it, yes. Play detector plates are identifiable equipment with their own value. What is not fundable is cutting the recess into the floor and the associated groundwork, which is construction and has to be paid for separately.
It can. Equipment installed into a specific bay is hard to move, so a funder likes to see the agreement comfortably inside the lease. A short remaining lease invites questions about what happens to the lift if you have to leave, so mention your position early.
No. Application fees, training and inspection visits are services with nothing to secure. Only the physical equipment is fundable. Budget the approval process separately, and remember it runs on its own timetable regardless of when the ramp is installed.
Yes, and that is a common package. Lift, brake tester, headlamp aligner, emissions equipment and play detectors can be written on one agreement from one supplier quotation, which is simpler to run and usually easier to get approved than piecemeal applications.
It is the statutory inspection lifting equipment must have at set intervals. For a used lift, a current certificate tells a funder the machine is safe and legally usable, which protects the value of their security as well as your ability to trade.
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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.