Scaffolding finance questions made

Get straight answers on scaffolding materials finance, VAT loans, truck finance, business loans, and more, tailored for UK scaffolding contractors.

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Clear answers for scaffolding contractors navigating finance.

From VAT loans and dropside trucks to startup approvals and late tax bills, this is your straight-talking guide to what’s possible, how it works, and how to get started. Start scrolling or jump straight to the section that matters most.

General Finance FAQs

What is asset finance and how does it work?

Asset finance is a way for your business to acquire equipment, vehicles, or materials without paying the full cost upfront. You spread the cost over time, usually with monthly repayments. The lender owns the asset during the term, and you gain full ownership at the end (depending on the agreement type).

Can I get finance as a new business?

Yes, new scaffolding businesses can still access finance. Approval will depend on your deposit, credit history, and trading setup (e.g. sole trader vs limited company). We work with lenders who understand early-stage businesses and offer options even if you're just starting out.

What's the difference between leasing and hire purchase?

With hire purchase, you own the asset at the end. With leasing, you rent it for a fixed period, at the end of the lease agreement you have the option to continue “renting” the assets, return the assets to the lender or purchase title of the assets. Both can help manage cash flow, but the right choice depends on your plans, tax setup, and how long you’ll use the equipment.

How long does it take to get finance approved?

Once we’ve got all your documents, approval usually happens within 24 hours. For simpler deals (like vans or scaffolding materials under £50k), funding can be in place in 1 working day. Bigger or more complex deals might take a bit longer.

What do I need to apply for finance?

Usually, we’ll need:

Basic business details (company name, trading history)
Directors details (full name, date of birth and home address)
Asset/supplier info
Bank statements and year-end accounts

Download our finance-ready checklist

What is a finance quote, and how accurate is it?

A quote shows you what repayments could look like based on your details. It’s not a guarantee. Final terms depend on underwriting, credit checks, and the asset. But we always aim to keep things realistic from the start.

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Is a deposit always required?

Not always, but it helps. Some lenders offer zero deposit deals, especially if you’ve got good credit or a solid trading record. VAT-only deposits or deferred VAT deposits are also common. We’ll help you find a structure that fits your cash flow.

Will applying for finance affect my credit score?

Not at the initial quote stage. We only run a soft search when quoting. A full credit check only happens once you’re ready to proceed with a lender. We’ll always let you know before anything is submitted.

What types of finance do you offer?

We arrange:

Asset finance (scaffolding materials, trucks, vans, equipment and more!)
VAT loans
Corporation tax loans
Unsecured business loans
Invoice finance

Explore your finance options

Can Scaffold Finance help if I’ve been declined elsewhere?

Yes! We’ve had many clients come to us after being turned down. We specialise in finance for scaffolders and work with lenders who understand the industry inside out. Even if a bank or general broker has said no, we may still be able to secure funding tailored to your needs.

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Scaffolding Materials Finance FAQs

Can I finance scaffolding materials instead of hiring them?

Yes! You can finance scaffolding equipment like tube & fitting, system scaffolds, and everything in between. It’s a popular option for businesses wanting to cut hire costs and build equity in their gear. Most lenders will fund new or used equipment from approved suppliers.

See how scaffolding materials finance works

What types of scaffolding can I finance?

We can arrange finance for:

Tube & fitting
Cuplock, Kwikstage, Layher, and other system scaffolding
Temporary roofs
Safety decking
Access towers
Accessories like ladders and boards

If you’re buying from a supplier, there’s a good chance we can fund it.

Request a tailored quote

Can I get scaffolding finance as a new company?

Yes. If you're newly set up but have a deposit, supplier quote, or previous experience in the trade, we can usually help. We work with lenders who understand early-stage scaffolders and don’t require years of trading history.

Request a new start quote

Do I need to be VAT registered to finance scaffolding materials?

Not always. Some lenders prefer it, but others are happy to fund sole traders or small limited companies that aren’t yet VAT registered. We’ll match you to the right one.

Can I include VAT in the finance amount?

Yes, and it’s common. Many scaffolders choose to defer the VAT or include it in the total amount borrowed. This helps preserve working capital and keep cash flow steady.

How much can I borrow for scaffolding materials?

We regularly arrange finance from £5,000 up to £500,000+, depending on the supplier and your business profile. The most common deals are between £20,000 and £100,000 for growing scaffold firms.

Can I finance second-hand scaffolding equipment?

Yes, if it's from a recognised supplier or dealer. Second-hand gear must meet safety and quality standards. Some lenders are stricter than others, but we’ll advise you on what’s acceptable.

Chat with a finance expert

What are the monthly payments on £25k of scaffolding?

Monthly payments vary by term and credit profile, but as a guide:

36 months: from £793/month
48 months: from £643/month
60 months: from £540/month

These are example figures are based on best-case Hire Purchase terms with a VAT only deposit.

Use our scaffolding finance calculator

Can I use finance to buy from my usual supplier?

Yes. We can work with your preferred supplier as long as they’re a UK-registered business. We’ll handle the finance paperwork, and the lender will pay them directly once approved.

Why finance scaffolding gear instead of buying it outright?

Financing lets you:

Keep cash in the bank
Own the gear long-term
Reduce monthly hire costs
Spread payments over 1–5 years
Potentially reclaim VAT and offset interest

It’s a cash flow-friendly way to grow your kit while preserving working capital.

Read our full guide Hire It of Finance It?

Truck & Vehicle Finance FAQs

Can I finance a dropside truck for my scaffolding business?

Yes absolutely! Dropside truck are one of the most commonly financed vehicles in the scaffolding trade. Whether new or used, we can arrange finance from approved dealers or suppliers across the UK.

Get a dropside truck quote

What types of vehicles can Scaffold Finance arrange funding for?

We finance:

Dropside trucks
HIAB’s
Vans
Pickups
Flatbed trucks
Forklifts
Custom bodies

Both new and used, from commercial dealers nationwide.

Explore truck and van finance options

Can I get van finance without a deposit?

Yes. Some lenders offer no-deposit or VAT-only deposit options, especially for well-established businesses. Even new scaffolders can access low-deposit deals in some cases.

Can I include the VAT in the finance agreement?

Absolutely. Some clients choose to defer the VAT in line with their VAT quarter, or include it in the total amount borrowed. This keeps upfront costs lower and helps protect cash flow.

What are the monthly payments on a £25k van?

Here’s a rough guide (best-case rates):

36 months: from ~£780/month
48 months: from ~£604/month
60 months: from ~£500/month

Rates based on Hire Purchase terms with a VAT only deposit.

Explore truck and van finance options

Can I finance a used van or truck?

Yes. Used commercial vehicles can be financed, as long as they meet mileage and age limits (typically under 10 years and 400k miles). We’ll confirm eligibility with your chosen dealer.

How fast can I get vehicle finance approved?

Approvals can be issued within 24 hours once we have your documents. If you’ve already found a truck or van, we can often complete the deal and fund the supplier within 1-2 working days.

Apply now to speed things up

Do I need to buy the vehicle from a dealer?

Most lenders require vehicles to come from a VAT-registered dealer. We can often help source one if needed, we work with suppliers across the UK.

Ask us to help find a truck

Can I finance multiple vehicles at once?

Yes. If you're expanding your fleet or setting up a new team, we can structure multiple vehicles under one facility or stagger the deals based on delivery.

Speak to us about fleet funding

What if I’ve already paid a deposit, can I still use finance?

Yes! If you’ve secured a vehicle with a holding deposit, we can still fund the balance. We’ll coordinate directly with the dealer to handle payment and paperwork.

Business Loan FAQs

Can I get a business loan for my scaffolding company?

Yes. We arrange unsecured business loans for scaffolding firms across the UK. These can be used for materials, wages, marketing, site setup, or anything else your business needs.

See how much you could borrow

What can a business loan be used for?

Business loans are flexible and can be used for:

Cash flow support
Hiring or training staff
Marketing and advertising
Equipment or yard setup
Bridging costs between contracts

Explore your loan options

How much can I borrow with a business loan?

Loan amounts typically range from £10,000 to £500,000+, depending on your trading history, turnover, and credit strength. Even smaller loans from £5,000 can be arranged.

What’s the difference between a business loan and asset finance?

Business loans are unsecured and can be used for general purposes. There’s no physical asset involved. Asset finance is secured against equipment or vehicles and is used for specific purchases.

Compare your funding options

Can I get a loan if I’m a sole trader?

Yes, both sole traders and limited companies can apply. Lenders will look at your bank statements, income, and any existing borrowing. We’ll guide you on what’s needed.

What’s the difference between a VAT loan and a business loan?

A VAT loan is a short-term facility designed to cover your quarterly VAT bill. A business loan is broader, used for any purpose, over a longer term. Both help manage cash flow.

Can I use a business loan to pay my corporation tax?

Yes, corporation tax loans are a popular option for scaffolders looking to spread the cost of their annual tax bill. Terms typically range from 3 to 12 months.

Ask about a corporation tax loan

What documents do I need to apply for a business loan?

Usually, we’ll ask for:

3–6 months of business bank statements
Company details
Director details
Latest accounts

Some lenders may ask for more, but we’ll help you prepare everything.

Get the Finance-Ready Checklist

How long does a business loan take to arrange?

For straightforward deals, funding can be in place within 1-2 working days. More complex loans or larger amounts may take a bit longer.

Apply now for a decision in 24 hours

Will I need to offer security or a personal guarantee?

Many business loans are unsecured, but often lenders may ask for a personal guarantee, especially for higher-risk or startup businesses. We’ll explain all terms clearly before anything is signed.

VAT Loan FAQs

What is a VAT loan and how does it work?

A VAT loan helps you spread the cost of your quarterly VAT bill over 3 months instead of paying it all in one go. The lender pays HMRC directly, and you repay the loan monthly, keeping your cash flow steady.

Learn more about how VAT loans work

Can I use a VAT loan to pay a previous quarter’s bill?

Yes, some lenders allow you to clear overdue VAT, though this may affect the rates or terms offered. If you’re late or facing penalties, speak to us quickly so we can explore your options.

How quickly can a VAT loan be arranged?

If your documents are ready, approval can happen in as little as 24 hours, with funds available shortly after. We recommend applying at least 10–14 days before your deadline to avoid late payment charges.

Apply early to avoid HMRC penalties

What documents do I need for a VAT loan?

Usually, we’ll ask for:

Your VAT return
Business bank statements
Latest set of accounts
Directors details
HMRC reference

This helps lenders understand your repayment ability and match you with the right option.

Download our finance ready checklist

Do I need to be VAT registered to apply?

Yes. VAT loans are only available to VAT-registered businesses. If you’re not yet registered but expect to be soon, we can help plan ahead with other funding options.

See if a business loan might be better

How long can I spread the repayments over?

Most VAT loans are repaid over 3, 6, 9, or 12 months, depending on the amount and your credit profile. Shorter terms keep interest lower, but longer terms can ease pressure on cash flow.

Can I combine VAT and Corporation Tax into one loan?

Sometimes, yes. If both are due around the same time and the figures make sense, we can structure one facility to cover both liabilities. This is subject to lender approval.

Speak to us about combined tax funding

Will HMRC know I’m using a loan?

Only if the lender pays HMRC directly (which many do). It’s a standard practice and doesn’t raise any red flags. Many businesses use VAT loans as a normal part of managing cash flow.

What happens if I miss a VAT loan repayment?

As with any loan, missed payments can affect your credit and may trigger additional charges. If you're struggling, contact us or the lender straight away. Most will work with you to find a solution.

Talk to us before it becomes a problem

Is a VAT loan right for scaffolders?

Yes. Scaffolding contractors often face big quarterly bills while waiting on client payments. A VAT loan smooths this out, letting you keep cash for wages, materials, and fuel without risking late penalties.

See how other scaffolders use VAT loans

Corporation Tax Loan FAQs

What is a corporation tax loan?

A corporation tax loan helps your business spread the cost of its annual tax bill over manageable monthly repayments. Instead of paying HMRC in one lump sum, you borrow the amount due and repay it over 3 to 12 months.

Learn how tax loans can help your cash flow

Can I use a corporation tax loan to pay HMRC directly?

Yes, the lender can pay HMRC on your behalf, or the funds can be transferred to your business account for you to make the payment. Either way, it’s a fast and compliant solution to stay on top of tax obligations.

Get a quote in 60 minutes

Do I need to be a limited company to get a corporation tax loan?

Yes, corporation tax loans are only available to limited companies, as sole traders and partnerships do not pay corporation tax. If you’re a sole trader, we can still help with a business loan instead.

Explore business loan options for sole traders

How much can I borrow to cover my corporation tax?

Typical loans range from £10,000 to £500,000, depending on the size of your tax bill and your business’s financials. We also arrange smaller loans starting from £5,000.

Check your borrowing potential

How long can I spread the repayments over?

Most corporation tax loans run over 3 to 12 months. Shorter terms help reduce interest costs, but longer terms can ease cash flow pressure if your bill is larger or your margins are tight.

When should I apply for a corporation tax loan?

Ideally, at least 2–3 weeks before your payment deadline. But if you’re approaching the due date, we can often fast-track approval and funding within a few days. Don’t wait until HMRC adds penalties.

Apply early to avoid charges

Can I get a loan if I’ve already missed my tax deadline?

Sometimes, yes, depending on the circumstances. We work with lenders who understand late payments and can help businesses get back on track. Rates may be higher, but it’s better than leaving the debt unresolved.

Will I need to provide security or a personal guarantee?

Most corporation tax loans are unsecured, but lenders may ask for a personal guarantee from a director. We’ll explain all terms clearly and only present offers that suit your risk appetite.

Does using a tax loan affect my credit rating?

Not negatively, provided you keep up with repayments. Many scaffolders use tax loans as part of good financial planning, and lenders view them as a standard funding tool.

Why do scaffolding contractors use corporation tax loans?

Because the trade is cash hungry. Scaffolding contractors often have money tied up in materials, wages, and delayed client payments. A tax loan helps keep projects moving without draining reserves or triggering HMRC penalties.

Invoice Finance FAQs

What is invoice finance and how does it work?

Invoice finance lets you unlock cash tied up in unpaid invoices. Instead of waiting 30, 60, or 90 days for payment, you get up to 90% of the invoice value upfront. When your client pays, the balance is settled minus a small fee.

Learn how invoice finance works

Is invoice finance suitable for scaffolding companies?

Yes, it’s ideal. Scaffolding contractors often invoice part way through a job but need to pay staff, buy materials, and fund fuel in the meantime. Invoice finance fills that cash flow gap so you can keep trading smoothly.

How quickly can I access cash from my invoices?

Once your facility is set up, funds can be released within 24 hours of raising an invoice. Setup takes 1-2 working days depending on the lender and your trading history.

Apply now to get started

What’s the difference between factoring and invoice discounting?

Factoring includes credit control — the lender may contact your clients.
Invoice discounting is confidential — you collect payment, and your client may never know you’re using finance.

We’ll help you choose the right structure based on your needs.

How much does invoice finance cost?

Typical fees range from 1–5% of the invoice value, depending on your client base, turnover, and terms. We’ll get quotes from lenders who specialise in construction and understand scaffolding.

Do I need to finance every invoice?

Not always. Some facilities let you pick and choose (called selective invoice finance), while others fund every invoice by default. We’ll help set up a facility that works with how you operate.

Will my clients know I’m using invoice finance?

Only if you choose factoring, where the lender collects payments directly. With confidential invoice discounting, your clients continue paying you as normal. We’ll explain the differences and find what suits your setup.

Speak to us about confidential funding

What types of scaffolding clients are eligible?

Most commercial, residential, and local authority clients are eligible, especially if they’re established and have a track record of paying invoices. Developers, councils, main contractors and builders are all typically accepted.

Can I still use invoice finance if I have bad credit?

Yes, approval is based more on your client’s creditworthiness than yours. If they’re a strong payer, you can still get funded even with weaker credit or previous issues.

Why do scaffolding contractors use invoice finance?

To take on bigger jobs, pay staff faster, buy more materials, or bridge the gap between raising an invoice and actually being paid. It’s a powerful tool for growth and stability especially when contracts are long or payment terms are slow.

Credit & Eligibility FAQs

Can I get finance with bad credit?

Yes, it’s still possible. We work with specialist lenders who understand that credit blips happen, especially in construction. Approval depends on the full picture: your trading history, the asset, deposit, and deal structure not just your score.

Speak to us about your situation

What do lenders check when I apply for finance?

They usually look at:

Credit history (personal and business)
Business bank statements and year-end accounts
Your deposit or contribution
The asset or supplier involved

Every deal is different — we’ll guide you through what’s needed.

Download our finance-ready checklist

Can I get finance if I’ve been declined before?

Yes, many of our clients come to us after being turned down elsewhere. As scaffolding finance specialists, we know which lenders are open to complex or non-standard cases.

Book a quick call

Do I need to be a limited company to apply for finance?

No, we can also help sole traders, partnerships, and LLPs. That said, limited companies tend to get access to more lenders. We’ll work with whatever setup you have.

Can I get finance as a startup with no trading history?

Yes, if you have a deposit, relevant experience, or a strong supplier quote, we can often help. Lenders will want to see that you’ve planned ahead, and we’ll help position your application properly.

Will applying for finance damage my credit score?

No, not at the quoting stage. We only run soft searches during pre-approval, which don’t affect your credit. A full check only happens when you're ready to proceed and we’ll always confirm before anything is submitted.

Do I need to provide security or personal guarantees?

Not always. Many deals are unsecured, but for higher-risk cases, a personal guarantee or asset-backed security might be required. We’ll always explain the terms clearly upfront.

Speak to us before you commit

What’s the minimum turnover required to get finance?

There’s no universal minimum, but some lenders prefer at least £50k annual turnover. Others are happy with less if you have a strong supplier quote or deposit. We work across the full spectrum.

Can I still get finance if I have other loans or credit cards?

Yes, lenders will review your current commitments as part of affordability checks. As long as the new repayments are manageable, existing credit won’t automatically disqualify you.

What if I’ve got a CCJ or missed payments?

You’re not alone, many scaffolding contractors have a few issues on their record. Some lenders will still consider you depending on the age and size of the CCJ, and your recent trading performance. It’s always best to tell us about any hidden issues, so we can position your application correctly.

Got more questions?

No problem, scaffolding finance isn’t always straightforward. Whether you're unsure about eligibility, need help with a specific deal, or just want to talk things through, we're here when you need us.