Business Loans for
Scaffolding Companies

We offer a comprehensive range including asset finance for scaffolding equipment and vehicles, unsecured business loans for working capital, invoice finance to manage payment delays from main contractors, secured loans for major equipment investments, merchant cash advances for businesses with regular card payments, and specialised VAT loans for managing quarterly tax obligations. Each solution is designed to address specific scaffolding business funding needs and project cycles.

Yes, our asset finance solutions are designed for scaffolding equipment purchases. This includes scaffold tubes, boards, fittings, towers, system scaffolding, safety equipment, and commercial vehicles. Asset finance allows you to spread equipment costs whilst preserving working capital, with options including lease finance, hire purchase, and equipment refinancing to suit your business model.

Invoice finance is particularly valuable for scaffolding contractors who often face extended payment terms from main contractors. Rather than waiting 30-90 days for payment, you can unlock up to 90% of your invoice value immediately, improving cash flow and enabling you to take on additional projects without being constrained by outstanding payments.

Once approved, scaffolding business loan funds can typically be in your account within hours. Our streamlined application process is designed with the urgency of construction projects in mind, understanding that securing equipment or managing cash flow for project starts cannot be delayed.

Not necessarily. We offer both secured and unsecured options. Unsecured business loans don’t require additional collateral, making them ideal for scaffolding businesses without substantial property assets. Asset finance uses the equipment itself as security, whilst secured loans can use existing business assets to secure better rates and higher borrowing amounts.

Scaffolding business loans can be used for equipment purchases (scaffolding systems, safety equipment, vehicles), working capital during project gaps, premises rental and depot costs, staff wages and training, insurance and certification costs, expansion to new locations, emergency equipment repairs or replacement, and managing VAT and corporation tax obligations.

Yes, we work with lenders who support new scaffolding businesses. Whilst established contractors may have more options available, we can find solutions for startups with industry experience and solid business plans, especially through asset finance where the focus is on equipment value and projected earnings rather than lengthy trading history.

We understand that scaffolding work can be seasonal, with reduced activity during winter months. Our lenders recognise these industry patterns, and we can structure repayments to accommodate seasonal cash flow variations. This might include seasonal payment holidays or flexible repayment schedules that align with your busiest trading periods.

Yes, it may still be possible. We work with specialist lenders who understand the scaffolding industry and take a holistic view of your business. Factors like current contracts, equipment value, industry experience, and business viability are considered alongside credit history. Our understanding of construction finance means we can often find solutions where general lenders might decline.

Documentation requirements vary by loan type and amount, but typically include recent bank statements, proof of business registration, details of current contracts or pipeline work, and intended use for funds. For equipment finance, we may need supplier quotations, and for larger amounts, management accounts or profit and loss statements. For invoice finance, copies of outstanding invoices and customer payment histories are required. Our team will guide you through exactly what’s required for your specific situation.