Drying room finance
A drying room turns a soaked crew into a working one, which is why it appears on every serious civils compound between October and March.
Whole-of-market — 60+ lenders searched, including
Can you finance a drying room?
Yes, drying rooms are financeable. They are usually bought as a dedicated cabin or as part of a combined welfare unit, and either way a funder treats the asset as relocatable site accommodation supported by hire purchase or lease. The points that come up are the heating and ventilation specification, whether racking and lockers are fitted, and how the unit is powered. Because this is a purpose-built cabin rather than a converted one, resale is straightforward and funders do not generally treat it as a specialist risk.
Used kit: Yes — used drying units are regularly funded, generally to around ten or twelve years, with funders paying attention to corrosion and lining condition rather than the plate date.
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What would a drying room 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
Drying rooms carry a specific wear profile that funders understand well: constant heat, constant moisture and heavy use through the winter months. That is hard on internal linings, on electrical fittings and on the unit’s floor, so residual value hinges on how the cabin has been ventilated and maintained rather than on its age. Funders lending here look for units from makers with a proper extraction design, and they expect to hear that the heating is serviced. Against that wear, the demand side is strong — hire companies are chronically short of welfare stock every winter, so a sound drying unit finds a buyer quickly. That liquidity is what keeps these deals approvable.
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 |
|---|---|
| Boss Cabins Drying Room Unit | Steel drying room and locker cabin |
| Boss Cabins Combined Welfare Unit | Canteen, drying and toilet in one cabin |
| AJC EasyCabin Drying Module | Towable drying room and changing unit |
| AJC EasyCabin Static Welfare | Static drying and changing accommodation |
| Wernick Changing Unit | Jackleg changing and drying cabin |
| Wernick Welfare Cabin | Combined drying room and canteen unit |
| Elliott Welfare Cabin | Anti vandal drying and changing unit |
| Thurston Drying and Locker Unit | Steel drying room with locker bays |
| Portakabin Changing Module | Modular changing and drying facility |
| Garic Drying Room Cabin | Site drying room with heating |
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Who buys one
Groundworks, rail and highways contractors whose crews work outdoors through winter, plus scaffolding and drainage firms sending people home wet. The purchase typically follows a bad season: sickness absence climbs, a site manager raises it, and the business decides that drying kit and boots overnight is cheaper than losing days to illness and ruined PPE.
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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.
Drying room finance questions
Is a standalone drying room worth financing separately?
On a large compound, often yes, because a combined welfare unit rarely has enough hanging space for a big crew. Funders will write an agreement on a single dedicated cabin without difficulty. On smaller sites the combined unit usually wins on cost and on the number of cabins you have to move.
What makes one drying unit last longer than another?
Ventilation, mostly. A unit that heats without extracting turns into a damp box and the linings and fittings fail early. Buyers who pay attention to the extraction specification and service the heating find their units still worth money years later, which is the same thing the funder is looking at.
Can lockers and racking be included in the finance?
Yes, where they are supplied fitted as part of the cabin. Boot racks, hanging rails, bench seating and lockers are treated as part of the unit rather than as loose assets, so they appear on the same invoice and the same agreement without any special arrangement.
Do these units need three-phase power?
Almost never. Most drying rooms run on a standard single-phase supply or on a site generator, and several manufacturers offer eco versions with solar assistance and battery storage. Self-sufficient units are useful on early-stage sites where a supply has not yet been energised.
How does seasonality affect the finance?
Demand peaks sharply in autumn, so the best stock disappears before winter and funders see a flurry of applications in September and October. Applying before the rush generally means a wider choice of unit. The agreement itself runs year-round regardless of when the unit earns its keep.
Get a quoteor call 0333 772 4864
Also in modular building and site accommodation finance
- Portable cabin finance
- Site office finance
- Anti-vandal unit finance
- Portable classroom finance
- Canteen unit finance
- Portable toilet block finance
- Storage container finance
- Modular healthcare unit 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.
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.