SCAFFOLDING FINANCE
EQUIPMENT LOANS & WORKING CAPITAL FOR UK SCAFFOLDERS
Specialist finance for scaffolding contractors
From £5,000 to £150,000 for scaffold systems, vehicles, safety equipment, and working capital. Same-day decisions, funds within 24 hours.
WHAT SCAFFOLDING EQUIPMENT & COSTS CAN YOU FINANCE?
We provide flexible funding for every aspect of your scaffolding business, from initial equipment purchase to ongoing working capital needs.
🏗️ SCAFFOLD SYSTEMS & TOWERS
- Tube & Fitting Systems: Complete sets from £15,000
- System Scaffold: Layher, Haki, Cuplock from £20,000
- Mobile Towers: Youngman, BoSS, Zarges from £2,000
- Staircase Towers: Access solutions from £5,000
- Specialist Systems: Cantilever, hanging, temporary roofs
🚚 VEHICLES & TRANSPORT
- Scaffold Lorries: 7.5 tonne, 18 tonne from £25,000
- Flatbed Trucks: New or used from £15,000
- Hiab Vehicles: With crane systems from £35,000
- Vans: For smaller loads and site visits from £10,000
- Vehicle Modifications: Racking and storage systems
⚙️ EQUIPMENT & ACCESSORIES
- Safety Equipment: Harnesses, nets, sheeting, fans
- Lifting Equipment: Hoists, gin wheels, pulleys
- Tools & Hand Equipment: Spanners, levels, podgers
- Beams & Props: Temporary support systems
- Storage Solutions: Containers, racking, yard equipment
💰 WORKING CAPITAL & BUSINESS FINANCE
- Material Stock: Buy scaffold in bulk for better rates
- Contract Bridging: Cover costs while waiting for payment
- Staff Wages: PAYE & CIS payments during growth
- Insurance Premiums: Annual PI and liability cover
- Marketing & Growth: Website, vehicles, signage
REAL SCAFFOLDING FINANCE SCENARIOS
Here's how UK scaffolding contractors are using our finance solutions
STARTING OUT
£15,000 - £30,000
Purpose: New scaffolding business setup
- ✓ Basic tube & fitting system (200 tonnes)
- ✓ Mobile tower set (3 towers)
- ✓ Van or small truck
- ✓ Safety equipment & tools
- ✓ Working capital for first 3 months
Example: £25,000 over 5 years = £525/month
GROWING CONTRACTOR
£40,000 - £80,000
Purpose: Business expansion and new contracts
- ✓ System scaffold (Layher or Haki)
- ✓ Additional 7.5T lorry
- ✓ Staircase tower systems
- ✓ Extra staff recruitment costs
- ✓ Material stock for larger jobs
Example: £60,000 over 6 years = £1,050/month
ESTABLISHED BUSINESS
£100,000 - £150,000
Purpose: Major contract wins or fleet upgrade
- ✓ 18-tonne Hiab lorry with crane
- ✓ Specialist cantilever systems
- ✓ Temporary roof systems
- ✓ Contract bridging for large projects
- ✓ Yard expansion and storage
Example: £125,000 over 7 years = £1,850/month
WHY SCAFFOLDING CONTRACTORS CHOOSE OUR FINANCE
✅ INDUSTRY SPECIALISTS
We understand scaffolding's unique challenges: seasonal work, contract retention, CIS deductions, and equipment intensity. Our lenders specialize in construction and understand your cash flow cycles.
✅ FAST DECISIONS
Won a big contract? Need equipment quickly for urgent work? Get approved within 4 hours and funded within 24 hours. Don't lose work opportunities waiting for traditional bank loans.
✅ FLEXIBLE SECURITY
Equipment acts as security in many cases. Limited companies often avoid personal guarantees. We assess based on contract strength and business viability, not just credit scores.
✅ REPAYMENT FLEXIBILITY
Seasonal scaffolder? Winter quiet period? We structure repayments around your annual cash flow patterns. Payment holidays available for established clients during slow months.
✅ BAD CREDIT OK
Previous credit issues? We focus on current contracts and future opportunities. 70% of scaffolders with poor credit history still get approved based on order book strength.
✅ NO UPFRONT FEES
Zero application fees. No broker fees. No charges unless you accept and proceed with the loan. We're paid by lenders, not by charging you extra.
HOW TO GET SCAFFOLDING FINANCE
APPLY ONLINE
2-minute application form. Tell us what you need - equipment, vehicles, working capital, or combination. No credit check at application stage.
GET MATCHED
We present your case to our panel of specialist construction lenders. They compete for your business, meaning better rates and faster approval.
FAST APPROVAL
Decision within 4 hours on business days. Simple paperwork: bank statements, contracts, and business details. No complex financial projections required.
RECEIVE FUNDS
Money in your account within 24 hours. Order equipment directly or we can pay suppliers. Start working immediately without cash flow constraints.
SCAFFOLDING FINANCE ELIGIBILITY
Most UK scaffolding contractors qualify. Here's what we need:
✅ YOU'LL LIKELY QUALIFY IF:
- ✓ Trading for 6+ months (3 months for smaller amounts)
- ✓ Turnover £30,000+ per year
- ✓ Registered as sole trader or limited company
- ✓ Have contracts or steady work pipeline
- ✓ CITB or CISRS qualified (helpful but not essential)
- ✓ Valid PLI and ELI insurance
📋 WHAT YOU'LL NEED:
- ✓ 3-6 months business bank statements
- ✓ Copy of current contracts or order book
- ✓ Proof of ID and address
- ✓ Business registration details
- ✓ Equipment quotes (if applicable)
- ✓ Insurance certificates
FINANCE FOR ALL SCAFFOLDING SECTORS
Whatever your scaffolding niche, we have finance solutions that fit:
🏢 COMMERCIAL SCAFFOLDING
Office blocks, retail developments, industrial units. Larger contracts need working capital and specialist equipment. We fund £50k-£150k for established commercial scaffolders.
🏗️ CONSTRUCTION SITES
Housebuilders, main contractors, civil engineering. Reliable work but often 60+ day payment terms. We bridge the gap with working capital and equipment finance.
🏠 DOMESTIC & RESIDENTIAL
House scaffolding, extensions, renovations. Smaller jobs, faster turnover. Finance from £5,000 for mobile towers, light systems, and van packages.
🏭 INDUSTRIAL & REFINERY
Petrochemical, power stations, manufacturing. Specialist access requirements. We fund advanced systems, training costs, and extended hire equipment.
⚡ TEMPORARY ROOFS & ENCLOSURES
Weather protection, environmental containment. High-value specialist work. Finance available for systems, sheeting, and dehumidification equipment.
🎭 EVENTS & ENTERTAINMENT
Concerts, festivals, temporary structures. Seasonal work with high equipment demands. Finance with flexible repayment schedules around event calendar.
SCAFFOLDING FINANCE FAQs
How much can scaffolding contractors borrow?
From £5,000 for mobile towers and basic equipment to £150,000 for vehicles, system scaffold, and major contracts. Most established scaffolders qualify for £30,000-£80,000 based on turnover.
Can new scaffolding businesses get finance?
Yes. New start-ups can access £10,000-£30,000 based on qualifications (CISRS), experience, and initial contracts. We focus on your skills and order book, not trading history.
What interest rate will I pay?
Typically 8-18% APR for established businesses with good credit. Newer businesses or those with credit issues may see 20-35% APR. We always show total repayment amount before you commit.
Can I finance used scaffold equipment?
Absolutely. Used system scaffold, second-hand lorries, ex-hire equipment all qualify. Cash loans let you buy from any supplier, including private sales and auctions.
Do you finance scaffold hire stock?
Yes. If you're moving from erecting to hiring out scaffold, we finance the initial stock purchase. Repayments structured around expected hire revenue rather than erection cash flow.
How does equipment security work?
For equipment loans, the scaffold or vehicle you're buying often acts as security. This can reduce rates and avoid personal guarantees for limited companies. Lender retains ownership until final payment.
Can I get finance with CCJs or defaults?
Yes, in most cases. We have specialist lenders who accept adverse credit if you have strong current contracts. They focus on your ability to repay from future work, not past credit issues.
How quickly can I get funds for urgent contract?
Apply before 2pm and you'll typically have a decision by 5pm same day. Funds available next business day. We've funded emergency equipment purchases within 18 hours start to finish.
FINANCE SOLUTIONS FOR SEASONAL SCAFFOLDING WORK
We understand scaffolding work fluctuates throughout the year. Weather, construction cycles, and event seasons all impact your cash flow.
OUR FLEXIBLE APPROACH:
- Payment Holidays: Built-in breaks during January-February quiet period for commercial scaffolders
- Seasonal Adjustments: Higher payments in busy months (April-October), reduced in winter
- Contract-Based Repayment: Pay as you get paid on large contracts with retention
- Revolving Credit: Draw down working capital as needed, only pay interest on what you use
GET YOUR SCAFFOLDING FINANCE QUOTE TODAY
Join hundreds of UK scaffolding contractors who've grown their businesses with our specialist finance. Apply in 2 minutes, decision in 4 hours, funds within 24 hours.
✓ No Credit Check to Quote ✓ Bad Credit Considered ✓ Same-Day Decisions ✓ No Upfront Fees