Temporary roof system finance
A temporary roof keeps a refurbishment dry through a winter, and the beams and sheeting that make it up are a significant purchase in their own right.
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Can you finance a temporary roof system?
Yes. Temporary roof packages are among the better scaffolding assets to finance, because the main components are substantial and branded. Aluminium beams, keder rails, gable frames and trusses from a recognised system supplier carry a maker’s identity and a known used value, which gives a funder something firmer than a tonnage figure. The sheeting is treated as consumable and may be trimmed from the invoice. Hire purchase against the beam and frame package is the usual structure, and funders will ask what span you are equipping for and how often the kit is expected to be deployed.
Used kit: Yes — used beam and frame packages trade steadily and funders support them, with straightness, end-fitting condition and corrosion mattering far more than age.
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What would a temporary roof system 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
Temporary roofing sits at the more fundable end of scaffolding because the value concentrates into a smaller number of large, identifiable items. An aluminium beam is not a serial-numbered machine, but it is a branded engineered component with a real used market, and a funder can picture selling a roof package far more easily than a yard of loose tube. What underwriters do probe is deployment. These systems only earn when they are up, so a package bought speculatively without the contracts to use it is a poor risk. They will also discount the sheeting entirely, since keder and shrink-wrap are consumed on each job and hold no recovery value at all. Wind loading damage is the other stated concern, and insurers and funders both ask about it.
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 |
|---|---|
| Layher Keder XL Roof | Sheeted temporary roof on rolling beams |
| Layher Protect System | Cassette clad temporary encapsulation |
| Layher Keder Sheeting and Rails | Keder panels and beam track sections |
| HAKI Temporary Roof | Modular sheeted temporary roof |
| HAKI Roof Beams | Aluminium lattice beams for roof spans |
| PERI UP Temporary Roof | Modular roof over PERI UP scaffold |
| PERI UP Flex Weather Protection | Sheeted enclosure over working area |
| Altrad Aluminium Beams | Lattice beams for temporary roof spans |
| Generation Temporary Roof Components | Beams, trolleys and sheeting for roofs |
| RMD Kwikform Megashor | Heavy support towers for roof loads |
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Who buys one
Refurbishment and heritage scaffolding contractors, roofing firms working on listed or occupied buildings, and specialist encapsulation companies handling asbestos or lead removal. The purchase tends to follow a run of hired-in roofs: a contractor doing three or four re-roofs a year calculates the hire cost of the beam package and concludes that ownership pays for itself inside a handful of projects.
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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.
Temporary roof system finance questions
Is sheeting included in the finance?
Often not. Keder sheets, shrink-wrap and netting are consumed on site and have no recovery value, so many funders strip them out and fund the beams, rails and frames instead. Some will allow a modest proportion of sheeting within a larger package, but it should not be the bulk of the invoice.
How many jobs does a bought roof package need to pay back?
That depends entirely on span and hire rates, so it is a calculation rather than a rule, but contractors usually run it against their hire invoices for the last two or three winters. Funders find that comparison persuasive, because it shows the purchase is replacing spend rather than adding it.
Can a roof package be funded alongside system scaffold?
Yes, and it is common. A contractor converting to a modular system often buys the compatible roof components at the same time, and a single facility can cover both with separate schedules. Compatibility with your existing yard stock matters more than which funder writes each part.
What about wind damage during the term?
Temporary roofs take serious wind loading and damage does happen, which is why funders expect all-risks insurance covering the equipment in use rather than only in store. Design calculations and proper anchorage are what prevent claims, and a contractor who can speak to that is taken more seriously.
Are rolling roofs harder to fund than fixed ones?
Not materially. A rolling system has additional trolley and track components, which adds value to the package rather than complicating it. Funders look at the whole assembly. If anything the extra engineering content pushes the package further away from anonymous scaffold stock, which helps.
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Also in scaffolding finance
- System scaffolding finance
- Tube and fitting scaffold finance
- Scaffold tower finance
- Scaffold boards finance
- Edge protection finance
- Scaffold hoist finance
- Scaffold transport lorry finance
- Shoring equipment finance
See everything we fund in scaffolding 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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