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CW Asset Finance | Vehicle & Equipment Finance Yorkshire

Modular building and site accommodation finance

Portable toilet block finance

Sanitation units are the least glamorous asset on a compound and among the most reliably in demand, on sites and at events alike.

Whole-of-market — 60+ lenders searched, including

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 a portable toilet block?

Yes. Portable toilet blocks fund readily, whether you are buying a multi-cubicle modular block, a towable unit with onboard tanks or a batch of single cabins. Funders treat them as relocatable equipment and use hire purchase or lease. They will ask about the waste system, since a mains-connected block and a self-contained recirculating unit behave differently at resale, and about whether the units are for your own compounds or for a hire fleet. Hire fleet purchases are assessed on utilisation as much as on trading figures.

Used kit: Yes — refurbished sanitation units fund routinely, usually to around ten years, with the state of the cubicles and tanks mattering far more than age.

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What would a portable toilet block 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

These assets divide sharply for funders into mains-connected blocks and self-contained units, and the second group is by far the easier lend. A towable unit with its own tanks can be dropped anywhere, which keeps the buyer pool wide and the recovery straightforward. A large block plumbed into a drainage run is more fixed and more site-specific. The other thing funders weigh is the condition risk, because sanitation units are used hard and a badly serviced fleet loses value faster than almost any other cabin type. Buyers with a documented service and pump-out regime, and hire companies who can show utilisation across a season, get a materially better reception than those who cannot.

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
Wernick Toilet BlockJackleg toilet and washroom cabin
Wernick Shower BlockPortable shower and changing unit
Elliott WC UnitAnti vandal toilet block cabin
Boss Cabins Self Contained WCSteel toilet unit with onboard tanks
AJC EasyCabin Sanitation ModuleTowable toilet and washroom unit
Thurston Washroom ModuleSteel framed washroom and WC unit
Portakabin Toilet ModuleModular toilet accommodation block
Mobile Mini Ex Hire WC UnitRefurbished portable toilet block
Garic Site Toilet UnitSite toilet with wash facilities
Algeco Sanitary UnitModular toilet and washroom module

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Who buys one

Event suppliers stocking up for a festival season, civils contractors setting up long compounds, and welfare hire companies replacing tired fleet units. The recurring trigger is a step change in headcount or bookings: a hire firm wins a framework with a housebuilder, or an event company picks up two extra summer contracts and simply does not have the units to cover the diary.

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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.

Portable toilet block finance questions

Are self-contained units easier to finance than plumbed blocks?

Generally yes. A unit with its own fresh and waste tanks works anywhere, so the market for it at resale is national rather than local. A plumbed block needs a site with drainage, which narrows the buyer pool. Both are fundable, but the self-contained version usually attracts fewer questions.

Can an events business finance toilet units?

Yes, though seasonality comes up. Funders know event income is concentrated into a few months and will look at how the business trades across a full year. Firms with a mix of event and construction hire find this easier than purely seasonal operators, who may be asked for a larger contribution.

Do funders ask about servicing and pump-out arrangements?

On fleet deals, frequently. A serviced unit holds its value and an unserviced one is close to worthless within a couple of seasons, so funders take an interest in whether you service in-house or contract it out. Having an answer ready signals that you understand the asset you are buying.

Can I fund a mix of blocks and single cabins together?

Yes. One facility with a schedule listing each unit by serial number is the normal structure, and mixing sizes on a single schedule is not a problem. It generally produces better terms than several small separate agreements and keeps the administration manageable.

Does disabled and inclusive provision affect fundability?

Not adversely. Accessible units and baby-change facilities are increasingly specified on both sites and events, so they tend to have stronger demand than standard cubicles. Funders view them as good stock rather than as a niche, and resale evidence supports that.

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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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Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.

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