^Asset Finance for Anaerobic Digestion Plants – Get Started Today

This structure is typically suited to UK SMEs that own or are buying the plant or equipment and can provide a clear schedule of what is being financed, proof of contract or purchase commitment, and company accounts for credit checks. It also requires the ability to grant security over the financed equipment. Amounts often range from £50,000 up to £5,000,000, with terms usually 36 to 120 months, particularly for major mechanical and electrical components.

Secured equipment loans are usually aimed at SMEs with an identifiable equipment purchase or refinance purpose, supported by an asset breakdown and invoices or refinancing rationale. Lenders assess asset value and security, alongside affordability using accounts and budgets, and may set covenants based on repayment capacity. Typical borrowing can range from £100,000 to £10,000,000, with terms often 24 to 96 months. Decision times often run around 3 to 8 weeks depending on valuation and security complexity.

Refinancing existing AD equipment is typically considered when you want to refinance remaining debt or restructure how you repay. Lenders commonly ask for current facility details, evidence of ownership and an asset inventory, and information supporting current market value or condition. Pricing can vary depending on the existing cost profile and risk assessment, with typical SME ranges often in the approximate 7% to 13% per annum range. Terms commonly sit between 18 and 72 months, with decision times typically 3 to 7 weeks due to lien, security and affordability checks.