The Challenges
The client faced a few big blockers that made switching from hire to ownership urgent and getting it wrong would’ve cost them thousands.
Sky-High Hire Costs
The business was regularly spending between £20k and £22k each month just hiring scaffold materials, which was placing a serious and ongoing strain on the cashflow and limiting their ability to invest in other parts of the business.
Urgent Deadline
The client was working against a tight deadline, as they needed to move quickly and get the finance in place before the end of the month to avoid being hit with another large hire invoice from their supplier.
Big Capital Requirement
Purchasing the materials outright required over £150,000 up front, a significant capital outlay that would have placed unnecessary pressure on their working capital without the right finance solution in place.
The Problems
Without the right finance in place and fast, the client risked another costly month on hire and missing the chance to turn outgoings into long-term value.
Hire Costs Too High
£20k+ per month was unsustainable.
Needed £150k Fast
Ownership required immediate funds.
Deadline Pressure
One more hire invoice was looming.
Speed Was Critical
Fast approval and payout needed.
Solutions
Scaffold Finance stepped in to structure a tailored finance solution that met the urgent deadline, kept upfront costs low, and allowed the client to take full ownership of the materials without disrupting their cashflow. By managing the deal from start to finish, including direct supplier payment we made sure everything moved quickly and smoothly.
Hire Purchase Agreement
We arranged a hire purchase deal totalling £150,010.77 + VAT, spread over 36 months. This gave the client full ownership of the materials at the end of the term turning a rental cost into a long-term business asset with predictable monthly payments.
VAT-Only Deposit
To ease pressure on cashflow, the finance was structured with a VAT-only deposit. This allowed the client to secure the deal without tying up large amounts of capital upfront, freeing up funds for other areas of the business.
Approved in 24 Hours
Speed was critical. The application was processed, approved, and signed off within a single working day ensuring the deal could be completed before the next hire invoice landed.
Supplier Paid Directly
We coordinated payment straight to Generation (UK) Limited, taking the admin burden off the client's plate and ensuring the materials could be transferred from hire to ownership with no disruption to ongoing operations.
Result
The client reduced their monthly outgoings by over £17,000 by moving from hire to ownership. Instead of paying a supplier each month, their repayments now build equity in an asset they’ll fully own in three years. The materials sit on their balance sheet, increasing the company’s value, strengthening future borrowing potential, and giving them greater control over upcoming projects.
We have used Carl on many occasions to finance our equipment. Always an extremely quick service from enquiry till we have material in our yard. Happy to recommend. First class.
Future Plans
This result has allowed the company to pursue significant future goals.