Water recycling system finance
Funding for process water recycling and effluent treatment plant, where the equipment reduces both water purchased and trade effluent discharged.
Whole-of-market — 60+ lenders searched, including
Can you finance a water recycling system?
Yes. Water recycling plant is one of the better propositions in this sector because it is genuinely equipment: packaged treatment skids, dissolved air flotation units, membrane plant, centrifuges and pump sets are serial-numbered machines that can be disconnected and moved. Recovery value is real, which widens funder appetite compared with fixtures like solar or heat pumps. The weaker parts are the below-ground sumps, interceptors and pipework. Because the plant reduces evidenced metered water and effluent charges, that saving is unusually credible to a funder.
Used kit: Yes. Used treatment skids, presses and pumps are traded actively and are fundable where service history and duty details are available.
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What would a water recycling system 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.
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
This is the corner of the water and waste market that behaves most like conventional plant finance. A DAF unit, a filter press or a membrane skid is a recognisable machine from an identifiable manufacturer, with a maintenance history and a genuine second-hand market, so funders can lend against the asset rather than only against your covenant. What they will look at carefully is the process fit: treatment plant is specified to a particular effluent, and a machine tuned to one industry may not suit another buyer, which tempers residual assumptions. Buried interceptors, balance tanks and drainage are land improvements and sit outside the fundable value. Because the saving shows directly in water and effluent invoices, several funders will factor it into affordability.
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 |
|---|---|
| Nijhuis dissolved air flotation unit | DAF effluent treatment unit |
| Siltbuster DAF plant | Site water treatment and flotation plant |
| Evoqua membrane filtration skid | Membrane treatment and reuse skid |
| Pall Aria membrane system | Microfiltration water reuse system |
| Andritz filter press | Sludge dewatering filter press |
| Alfa Laval decanter centrifuge | Continuous sludge dewatering centrifuge |
| Morclean wash bay recycling plant | Vehicle wash water recycling system |
| Karcher water recycling system | Closed loop wash water treatment |
| Grundfos DDA dosing pumps | Chemical dosing and control package |
| Xylem Wedeco UV treatment | Disinfection before reuse |
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Who buys one
Food and drink producers facing rising trade effluent charges, commercial laundries, vehicle and plant wash operators, aggregates and quarry washing plants, and anodising, plating and printing businesses with regulated discharges. The trigger is often a consent limit from the water authority, a trade effluent charge that has grown faster than turnover, or an environmental permit condition that cannot be met with the current arrangement.
Get a quoteor call 07581 364281
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.
Water recycling system finance questions
Is treatment plant easier to fund than other green assets?
Generally yes. Unlike a roof array or a heat pump, a treatment skid is a machine that can be uncoupled and lifted out, and there is a working second-hand market for it. That gives funders security in the asset itself rather than relying solely on your accounts.
Will the effluent charge reduction be taken into account?
Often, and it is one of the more convincing savings arguments available. Your trade effluent invoices show what you currently pay, and a reduction in volume or strength is measurable. Funders treat evidence from historic bills far more seriously than forward projections. Consent correspondence from the water authority strengthens the picture further.
Are the below-ground sumps and drainage included?
Usually not, or only at a discount. Interceptors, balance tanks and buried drainage are construction works that cannot be recovered. The pumps, treatment units and control panels are the parts funders recognise, so ask the supplier to itemise the civils separately. It avoids an awkward conversation once an application is already underway.
Can plant specified for my process be resold?
Partly, and funders think about this. A skid built around a specific effluent may need reconfiguring for another user, which softens residual value compared with a generic machine. Equipment from a well-known manufacturer with wide industrial use fares better in that assessment. Standard modules retain broader appeal than heavily bespoke builds.
Does an environmental permit affect the application?
It can help. Where a discharge consent or permit condition is driving the purchase, the funder can see a clear business need rather than a discretionary upgrade. Have the correspondence available, as it explains the urgency behind the application better than anything else. Regulatory deadlines also help a funder understand the timescale you are working to.
Get a quoteor call 07581 364281
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
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