Flatbed trailers - including standard flatbeds, step-frame flatbeds, and extendable trailers - are commonly used in construction, plant hire, steel distribution, and manufacturing logistics. While less numerous than curtainsiders, they have strong specialist lender appetite and clear residual values in an established secondary market.
Flatbed Trailer Finance - Lender Rates
| Trailer Type | APR Range | Term | Notes |
|---|---|---|---|
| Standard flatbed (12–13.6m) | 5–11% | 2–7 years | All major lenders |
| Step-frame flatbed | 5.5–12% | 2–7 years | Slightly lower residual values |
| Extendable / telescopic flatbed | 6–13% | 2–7 years | Specialist valuation required |
| Abnormal load configuration | 6–14% | 2–7 years | Individual lender assessment |
Abnormal Load Trailers - Specialist Considerations
Trailers used for abnormal load haulage (STGO Category 1, 2, or 3) require specialist consideration from lenders. Their secondary market is narrower, valuations are more subjective, and the regulatory requirements around their use add a layer of complexity. Shawbrook and Close Brothers both have experience with abnormal load trailer finance, but full documentation of the asset specification is important.
Extendable Trailers - Valuation Complexity
Extendable trailers - including those that extend to carry abnormal loads, or telescopic flatbeds for steel and timber - have variable secondary market values depending on their extension range and specification. A specialist valuation may be required. Present your case with the full build specification, manufacturer details, and ideally a current market valuation from a specialist dealer.