Commercial Vehicle Finance

Tipper and Plant Finance Package for a Waste Management Business

£480,000 · 5 years · 7.05% fixed. A waste management business was expanding its operations to include a licensed waste transfer station, requiring three additional tipper trucks and a waste sorting conveyor system.

Category
Commercial Vehicle Finance
Loan Amount
£480,000
Rate
7.05% fixed

The Client

Waste management business

The Challenge

A waste management business was expanding its operations to include a licensed waste transfer station, requiring three additional tipper trucks and a waste sorting conveyor system. The tippers were best financed on hire purchase (ownership desired) while the conveyor system was better suited to a finance lease (off balance sheet). A mixed facility was needed.

Our Solution

Doulton structured a combined facility - hire purchase for the three tippers and a finance lease for the conveyor system - with a single monthly payment and single lender. The waste management licence and Environment Agency permit were confirmed as conditions of lending. The mixed-structure facility was unusual but executed cleanly.

The Outcome

Tippers and conveyor operational together for the waste transfer station launch. The station's tipping fee income from commercial customers was generating £32,000 per month within six months of opening. Key highlights: Mixed HP and finance lease in single facility - one payment; Environment Agency permit confirmed as lending condition; Tipping fee income £32k per month within 6 months of launch.

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