Who we work with
Warehousing and storage
Warehousing runs on space and the equipment that makes the space usable. Racking, forklifts, handling equipment and the premises themselves are all substantial costs, and capacity constraints show up quickly as work that has to be declined.
Because premises are often central, this is one industry where commercial property finance sits alongside equipment and working capital rather than being a separate conversation.
What owners in this industry come to us for
- Forklifts, racking and materials handling equipment
- Fitting out or expanding a warehouse
- Buying premises rather than continuing to lease
- Covering costs while a new contract ramps up
- Systems and technology for stock and despatch
What lenders tend to look at
The mix of assets in this industry means lenders may be assessing equipment, property and trading position at once.
- Equipment held, its age and what is already financed
- The premises: owned or leased, and the lease terms
- Contracts held and how long they run
- Customer concentration across the client base
- Trading history and turnover consistency
- Credit history and existing commitments
A situation we see often
An operator wins a contract that needs more racking and another forklift, and the equipment has to be in place before the contract starts generating revenue.
A specialist would usually look at equipment finance for the assets and consider whether a working capital facility is needed to cover the ramp-up period. An illustration of a common enquiry, not a client case study.
Finance that commonly suits
Common questions
Can racking be financed, or only machinery?
Fit-out items including racking are commonly financed, though which lenders will do it and on what basis varies more than for standard machinery such as forklifts.
We lease our warehouse but want to buy it. Where do we start?
That is commercial property finance, which takes longer than equipment finance because of valuation and legal work. Start the conversation earlier than you think you need to.
See which lenders fit your business
Answer a few quick questions and we connect you with a business finance specialist who works with businesses like yours. No cost, no obligation.
Around 60 seconds. No obligation. Not a lender.