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CW Asset Finance | Vehicle & Equipment Finance Yorkshire

Modular building and site accommodation finance

Anti-vandal unit finance

Anti-vandal cabins are built from steel sheet with shuttered openings, designed to be left alone on an open site overnight and still be there in the morning.

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BarclaysAldermoreParagonAllica BankPraetura Asset FinanceSimply Asset FinanceOxburyBraemar FinanceBibby Financial ServicesBPCE Equipment SolutionsCatfoss FinanceDavenham Asset FinanceFleximizeiwocaKingsway Asset FinanceLombardMetro BankBNP ParibasBarclaysAldermoreParagonAllica BankPraetura Asset FinanceSimply Asset FinanceOxburyBraemar FinanceBibby Financial ServicesBPCE Equipment SolutionsCatfoss FinanceDavenham Asset FinanceFleximizeiwocaKingsway Asset FinanceLombardMetro BankBNP Paribas

Can you finance an anti-vandal unit?

Yes. Anti-vandal units are among the easiest site accommodation assets to finance, precisely because of what they are built to withstand. A fully steel-clad cabin with roller shutters and a reinforced door holds its value strongly, refurbishes well and sells quickly, so funders see a reliable recovery position. Hire purchase is the common route. You will be asked for the manufacturer, the size, the specification of the shuttering and the serial number of each unit, and whether the cabins are going onto your own sites or out on hire to third parties.

Used kit: Yes — steel anti-vandal units age slowly and funders will look at well-maintained cabins fifteen years old or more once refurbished.

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What would an anti-vandal unit cost per month?

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.

Indicative flat rate
Approx. monthly£—
Get my exact rate
Total repayable£—
Cost of finance£—
Equivalent APR—%

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).

How lenders treat it

Funders assess these units on the strength of their construction rather than on floor area. A steel anti-vandal cabin is markedly more fundable than an equivalent timber-clad one because it survives rough sites, resists the damage that destroys residual value, and commands a premium second-hand. Where the underwriting tightens is on end use. If the cabins are going out on hire, the funder is no longer looking only at your accounts but at fleet utilisation, hire rates and whether income covers the commitment when a quarter of the fleet sits idle in your yard. Hire fleet buyers should expect to show their existing fleet list and utilisation history alongside the figures.

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.

MachineWhat it is
Elliott Anti Vandal JacklegSteel clad secure jackleg cabin
Elliott Secure Store UnitSteel anti vandal tool store
Boss Cabins Steel CabinAll steel anti vandal welfare cabin
Boss Cabins Static Welfare UnitStatic steel welfare and office unit
Wernick Anti Vandal CabinSteel shuttered site accommodation
Wernick Secure Steel StoreSteel store unit for site compounds
Thurston Secure UnitSteel framed anti vandal cabin
Portakabin Steel Clad CabinSecure steel clad portable building
AJC EasyCabin Static EcosmartSteel welfare unit with solar support
Garic Anti Vandal CabinSteel site cabin for compounds

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Who buys one

Contractors working on urban infill, rail possessions, highways schemes and anywhere a compound sits behind heras fencing with no permanent security. Buyers also include cabin hire firms restocking fleets after a busy year. The trigger is nearly always an incident: a timber-clad unit broken into over a bank holiday, tools gone, and a decision that the next cabin will be steel.

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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.

Anti-vandal unit finance questions

Are anti-vandal cabins worth the extra over timber-clad?

On an exposed or urban site, generally yes. They resist forced entry, they do not rot, and they come back off site in a condition worth refurbishing. That durability is also why funders treat them more generously than timber units, which lose value quickly once the cladding is damaged.

Do funders insist on a tracker being fitted?

Not usually as a blanket rule, but it comes up on larger facilities and on fleets going out to third parties. Many operators fit trackers anyway because the recovery rate after theft improves sharply and insurers often reflect it. Discuss it up front if you are funding a batch rather than a single cabin.

Can I fund cabins I intend to hire out?

Yes, though the underwriting is different. The funder assesses your fleet, your utilisation and where hire income sits against the repayment, rather than looking only at trading accounts. Established hire firms find this straightforward. A first-time entrant into hire should expect more questions and probably a larger contribution.

What specification details do funders ask about?

Typically the overall size, whether the unit is jackleg or skid-mounted, the cladding and shutter arrangement, any internal partitioning or welfare fit-out, and the maker. These determine resale value. Supplying the manufacturer’s specification sheet with the quote usually removes a round of questions entirely.

Does insurance need to be arranged before delivery?

Yes. Funders release payment against proof that the units are insured, normally on an all-risks basis with the funder noted as interested party. Because cabins sit on unattended sites, cover needs to extend away from your registered address, which is a point standard yard-only policies frequently miss.

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Also in modular building and site accommodation finance

See everything we fund in modular building and site accommodation finance →

Not an offer of finance. All finance is subject to status, affordability and lender approval.

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