Recycling existing assets into capital to build for growth

Recycling and green waste processor secures £80k Asset Finance refinance to release capital for a new onsite building to keep growth moving.

Rooted locally. Scaling beyond limits.

A Lancashire based recycling and green waste specialist, this business has established roots in agriculture and a proven track record in on-farm composting and forestry services. Now operating from a permanent site, the business processes over 2,500 tonnes of green waste each year from local authorities, contractors and SMEs, with continued investment supported by relevant planning permissions and waste processing licences.

From seasonal pinch to year-round sales

To unlock the next stage of growth, the client needed to build new premises to store and dry compost, enabling year-round production rather than seasonal, and therefore improving margins. The timing mattered: a growing supply agreement with a bagging partner meant demand was rising, but working capital needed to stay focused on day-to-day operations.

The right partner, right on time

Introduced by a longstanding broker, Value 2 Machinery, the client chose Ultimate Finance for our responsive decision-making and flexible facility structuring. After exploring the wider market to get an understanding of options available to them, they returned to our proposal as the best overall fit – a clear, competitively structured facility and a team known for seeing deals through.

Working closely with the client, Regional Director John Hallett structured an Asset Finance facility via Hire Purchase refinance for £80,000, secured against existing equipment. He explains “The right solution was to refinance existing equipment and plant quickly, without disrupting momentum. This approach balanced affordability and speed, releasing cash to fund construction of the new premises while keeping repayments predictable and manageable. Early input from our deal team streamlined our credit and documentation processes, enabling us to deliver a swift completion and allowing for site works to proceed as planned”.

Built to keep moving

With capital released, the client can progress the new building that will keep compost dry year-round and support a growing partnership. The shift from bulk sales to bagged product significantly strengthens margins – comfortably covering the cost of finance while supporting ongoing investment and growth.

The business is now focused on completing the build, scaling year-round output and taking on additional contracts, with further investment plans under review as demand grows.

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