MOT bay equipment finance
Complete MOT lanes funded on one agreement, from lift and roller brake tester through headlamp aligner, emissions analyser and play detectors.
Whole-of-market — 60+ lenders searched, including
Can you finance MOT bay equipment?
Yes, and a full lane is usually funded as a single package on hire purchase. The important thing to know is that MOT bay equipment is tied to a specific leased unit more than almost any other asset: the brake tester sits in a floor recess, the lift is anchored, and none of it moves easily. Because of that, funders commonly require a landlord waiver confirming the equipment stays theirs and not the building owner. Used lane equipment is fundable where it holds current approval.
Used kit: Yes — used lane equipment is fundable where it remains type approved and calibrated, typically up to around eight to ten years old.
Get a quoteor call 0333 772 4864
What would MOT bay equipment cost per month?
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 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.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
How lenders treat it
This is the asset class where the fixtures point bites hardest. A roller brake tester set into the floor, an anchored lift and play detectors in a pit are all arguably part of the premises once installed, so on a leased unit a landlord waiver is routinely required before a funder will release money. Expect that document to take longer than the credit decision. The equipment itself is hard security with a specialist dealer market, though de-installation cost reduces recovery value. Ground works, pit construction, approval fees, training and calibration visits are all services or construction and sit outside the agreement. Funders also look at remaining lease length. Declines usually involve a short lease or an unapproved site.
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 |
|---|---|
| Tecalemit Concept ATL | Complete automated test lane for class bays |
| Tecalemit brake testers | Roller brake testers for testing stations |
| Maha IW2 Eurosystem | Roller brake tester for car and van testing |
| Maha MBT 2100 | Brake tester for light commercial vehicles |
| Bosch BSA 4340 | Roller brake tester for authorised test bays |
| Bosch BEA 750 | Emissions analyser for petrol and diesel testing |
| Crypton 290 | Gas analyser for exhaust emissions testing |
| Crypton headlamp beam testers | Beam setters for test lanes and workshops |
| Bradbury 4200 | Four post lift approved for test bay use |
| Ravaglioli play detectors | Shaker plates for steering and suspension checks |
Get a quoteor call 0333 772 4864
Who buys one
Usually an independent garage applying for test station approval because it is losing customers and follow-on repair work to the test centre down the road. Also existing stations replacing a lane that no longer meets current requirements, and vehicle workshops expanding into class 4 and class 7 testing as van work grows.
Get a quoteor call 0333 772 4864
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.
MOT bay equipment finance questions
Why is a landlord waiver needed for an MOT bay?
Because so much of the lane is built into the floor. A recessed brake tester and pit-mounted play detectors cannot simply be unbolted and taken away, so without written confirmation from the landlord a funder risks losing its security to the building. It is a standard document but it takes time.
Can ground works and the pit be financed?
No. Excavating a recess, pouring concrete and running conduit are construction works. They form part of the building rather than the equipment, so there is nothing for a funder to take security over. Price the civils separately and early, because they drive the installation timetable.
Is a full lane easier to fund than individual machines?
Often yes. One supplier quotation covering lift, brake tester, aligner and emissions equipment makes a single agreement of reasonable size, which underwrites better than several small applications. It also keeps you to one payment and one point of contact.
How much lease do I need left on my unit?
There is no fixed rule, but a funder likes the agreement to sit comfortably inside the remaining term. Equipment fixed into a specific bay has little value to you if you have to move, so a short lease raises legitimate questions. Tell us your position at the start.
Can I fund used lane equipment from a closing garage?
Yes, provided it is still type approved and can be calibrated at your site. The funder will want proof of clear title and a plan for removal and re-installation. Removal and re-commissioning are services and will not be fundable, so budget for them.
Get a quoteor call 0333 772 4864
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
Get your quote
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.