Fund the trailer that carries the driver, the posts and the wire, whether it is a plain flatbed or a purpose-built fencing rig.
Whole-of-market — 60+ lenders searched, including
Yes, and trailers are among the simplest assets in this sector to fund. A braked trailer from a recognised UK manufacturer has a chassis number, a known replacement cost and a deep second-hand market, so funders can see an exit quickly. New trailers from a dealer are routine. The complication is weight and licence: a loaded fencing trailer behind a pickup can put you over the towing limit, and while that is not the reason a funder declines, it is the reason a contractor ends up with a trailer that cannot legally be used, which then becomes a problem for everybody.
Used kit: Yes — used trailers are fundable, though very old or unbranded units can fall below the value a funder will write on their own.
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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).
Trailers are easy security and hard to argue with, so the emphasis falls almost entirely on the applicant. That suits established businesses and makes new-start cases workable, since the advance is modest and the asset is liquid. Funders will want the chassis number and the manufacturer recorded, and they prefer a VAT-registered dealer invoice, which in this market is easy to obtain because most trailers are bought new. Where it gets fiddly is the small-ticket problem: a single trailer can fall below the minimum a funder will write, so it is often best packaged with the post driver, the grinder or the vehicle it works with. Second-hand trailers bought privately are fundable but need the seller verified, as stolen plant trailers are a known problem and funders are alert to it.
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 |
|---|---|
| Ifor Williams LM126G | Twin axle flatbed trailer for fencing kit |
| Ifor Williams GX126 | Braked general purpose trailer |
| Ifor Williams TA510G | Plant trailer for post driver transport |
| Graham Edwards FB2714 | Flatbed trailer for materials and tools |
| Nugent F3218H | Heavy flatbed with drop sides |
| Bateson 25LT | Tilt bed plant trailer for small machines |
| Brian James Cargo Connect | Low loading trailer for site equipment |
| Indespension plant trailers | Braked trailers for tracked machinery |
| Ifor Williams BV126G | Box van trailer for secure tool storage |
| Tuffmac tipping trailers | Small tippers for spoil and arisings |
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Fencing gangs who have been borrowing the farm trailer and want their own outfit ready to roll, and arb firms carrying a stump grinder or a chipper between sites. The trigger is usually a second van or truck going on the road and the realisation that one trailer is now holding two teams up. Groundcare and landscaping businesses buy the same trailers for mowers and mini diggers.
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We publish the deals we arrange, with no client named and no rate quoted. See what we have funded in arb and forestry.
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.
Yes, and it usually should. Putting the driver and the trailer on one invoice and one agreement keeps the advance above most funder minimums and gives you a single payment. It also avoids the awkward situation of a funded machine sitting on an unfunded trailer that you then have to find the cash for.
The funder will not check your licence, but you should. Towing entitlement depends on when you passed your test and the combined weight of the vehicle and loaded trailer. Buying a trailer you cannot legally tow with your current outfit is a costly mistake that no finance agreement will undo.
Both, provided the body is fitted before the invoice is raised and appears on it. A trailer supplied complete with racking, a wire dispenser and toolboxes is funded as one asset. A body added later by a separate fabricator is much harder to fund, because it is not a recoverable item in its own right.
Some will, some will not. Plant and flatbed trailers are stolen frequently, so funders are careful. You will need the chassis number, a written invoice with the seller details and, ideally, the original purchase paperwork. If the seller cannot produce any of that, treat it as a warning sign rather than a finance problem.
Usually yes. The advance is small and the asset is liquid, which is the combination funders are most comfortable with for a young business. Expect a personal guarantee and a look at your credit file. It is one of the easier ways for a new fencing or arb business to start building a finance record.
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See everything we fund in arb and forestry finance →
Not an offer of finance. All finance is subject to status, affordability and lender approval.
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 07581 364281 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.