Finance for the kit that keeps cycling.
RCVs, hookloaders, skip wagons, balers, shredders, sweepers and transfer-station kit — funded by lenders who understand municipal contracts and gate-fee economics.
£23m+
Funded into UK waste
84mo
Typical RCV term
0–10%
Typical deposit
Sector
Specialist lenders only
If it earns its keep, we've probably funded one.
RCVs & municipal
Refuse collection vehicles, food waste collection, recycling kerbside collection. Dennis Eagle, Faun, Heil, NTM.
Hookloaders & skip wagons
Skip lorries, hookloaders, RoRo, multi-lift bodies. Hyva, Marrel, Boughton bodies on Mercedes/MAN/Volvo chassis.
Balers & compactors
Vertical, horizontal, channel balers for cardboard, plastic, metal. Static and mobile compactors.
Shredders & screens
Slow-speed, high-speed shredders, trommel screens, picking lines, eddy-current separators.
Sweepers
Truck-mounted, compact, pavement sweepers. Johnston, Schmidt, Scarab, Hako.
Transfer station fit-out
Walking floors, weighbridges, tipping bays, dust suppression, fire suppression. Built as full project finance.
How waste & recycling deals usually structure.
Typical ticket
£80k – £350k per machine
Range we fund
£25k baler → £1m transfer station fit-out
Term
60 – 84 months
Deposit
0 – 15%
Structure
HP for asset retention; lease for RCV refresh cycles; refinance against installed sorting infrastructure ahead of contract bids.
The usual pain.
Specialist bodies confuse generalists
A 4-year-old Faun Variopress on a Mercedes Econic has a specific value. Mainstream lenders won't touch it. Specialists will.
Municipal contracts have long lead times
Award letter today, mobilisation in 60 days. We can credit-approve early and pay deposits to lock build slots.
Banks see 'environmental risk'
Generic credit teams panic at fire and contamination risk. Sector-specialists understand the actual liability profile.
How we structure it.
Waste-specialist underwriting
Two of our lenders fund nothing but waste, recycling and resource recovery. Sharper rates because they price residuals correctly.
Municipal-contract aware
Lenders who'll underwrite on signed contract evidence — including local-authority awards and rolling commercial contracts.
Transfer-station project finance
We've funded full transfer station fit-outs with weighbridges, walking floors and sorting lines as integrated projects.
Reviewed by UK businesses
Sorted in 36 hours
"Bank wanted three weeks just to look at the file. AssetFi had the agreement signed and the digger paid for in 36 hours. Couldn't fault them."
Genuinely no fees
"I'd been stung by brokers before so I asked twice — really, no fees? Confirmed in writing. Got a sharper rate than my bank too. They've now done four vans for me."
Understood our cash flow
"We needed a CBCT scanner but our last accounts had a bad quarter. AssetFi went to specialist healthcare lenders, came back with three options and explained each properly. Brilliant."
Our panel
Lenders we use for waste & recycling
Independent of any single lender. We place every deal with the funder offering the best fit on rate, structure and speed.
Plus 40+ specialist funders covering challenger banks, asset-specific lenders and tier-2 underwriters. Lender names shown are trademarks of their respective owners.
Questions waste & recycling customers ask.
Will lenders fund used RCVs?
Yes — waste-specialists fund vehicles up to 7 years old with documented service history and emissions compliance. Body refurbishment can be bundled in.
Can finance cover transfer-station fit-out?
Yes — including walking floors, weighbridges, tipping bays, dust and fire suppression. Funded as integrated projects, typically 60–84 month HP.
What about contracts with new local-authority awards?
Specialist lenders will underwrite on the signed award, even before mobilisation. Conditional approval can sit alongside your contract bid.
Are seasonal or contract-aligned profiles available?
Yes — payment profiles can be aligned to monthly municipal billing cycles or seasonal commercial waste flows.
Ready to fund the next bit of waste & recycling kit?
Soft search. 24-hour decisions. No broker fees, ever.
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