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Site Cabin Finance

Site cabins cost from around £3,500 for a single anti-vandal unit to £25,000 for a twin-bay office, usually financed by contractors who need a cabin on more than one site.

Can you finance a site cabin?

Yes, site cabins are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £3,500 to £25,000, and most deals are written over 12-84 months with a deposit of around 10-20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£4k – £25k

Approval Speed

24–48 hours

Same-day for straightforward deals

Rates From

4.5% - 8.4% per annum

What would a site cabin cost per month?

£9,000
10%
60 months
9%
£0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical site cabin price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
4.9% - 7.9% per annum
Term
12-84 months
Deposit
10-20%
Ownership
Yours at the end
Best for
Businesses that want to have a cabin permanently available rather than paying ongoing hire

Finance Lease

Rate
4.5% - 7.4% per annum
Term
12-84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Businesses that want a cabin without a long-term commitment on a fixed-length project; payments are usually deductible as an operating expense

Operating Lease

Rate
5.4% - 8.4% per annum
Term
24-60 months
Deposit
None required
Ownership
Return at end
Best for
Businesses that want to keep the site cabin off balance sheet and upgrade regularly

Representative example

On a purchase price of £9,000: a 10% deposit of £900, then 48 monthly payments of £190 at 5.9% APR representative (fixed). Total amount payable £10,020, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification Guide price Type
10ft x 8ft Anti-Vandal Cabin £3,500 - £6,000 Single Store/Office Cabin
20ft x 8ft Portable Office Cabin £7,500 - £12,000 Single-Bay Office Cabin
32ft x 10ft Twin-Bay Site Office £14,000 - £20,000 Multi-Bay Office Cabin
Stacked Two-Storey Cabin Complex £18,000 - £25,000 Multi-Storey Site Office

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Tax benefits

A site cabin is treated as plant and machinery for tax purposes, so it qualifies for the Annual Investment Allowance (AIA), letting a business deduct the full cost from taxable profits in the year of purchase, up to the current £1,000,000 annual limit. Companies buying new, unused equipment may also qualify for full expensing, a 100% first-year deduction against Corporation Tax. These allowances apply where you own the asset, so they are available under a Hire Purchase agreement. Under a Finance Lease or Operating Lease you do not own the site cabin outright, so allowances are not claimed directly; instead the payments are generally deducted as a business expense against profits. Always confirm treatment with your accountant before committing to a structure.

Market context

Site cabins are usually bought by contractors and developers who run several sites over multiple years, where the cost of ongoing hire eventually overtakes the price of owning one outright. Businesses with a single short project, by contrast, are more likely to hire. Replacement is driven mainly by wear to the steel shell, flooring and fit-out from repeated relocation between sites rather than a fixed lifespan, and a solid used market exists because refurbished ex-hire cabins are widely available at a significant discount to new.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

Can I finance a used site cabin?
Yes. Refurbished ex-hire cabins are common and lenders will finance them, usually with a condition check on the shell, roof and electrics rather than a formal valuation. Used cabins cost meaningfully less than new, which is why many smaller contractors start here rather than buying new stock. Whatever the age of the site cabin, a clear paper trail showing how it has been maintained and used will always work in your favour when negotiating price and terms.
What term suits a site cabin's working life?
A steel-shell cabin can last well over a decade with basic upkeep, but most finance runs 3-5 years to match typical project or portfolio cycles. Contractors who move cabins between sites frequently should budget for extra wear and may prefer the shorter end of that range. Getting the term broadly right for a site cabin matters more than chasing the lowest possible monthly payment, since a mismatch either strains cashflow early on or leaves you paying for a machine that has already become expensive to keep running.
Is a site cabin eligible for Annual Investment Allowance?
Yes, a site cabin is treated as plant for capital allowances purposes, so it qualifies for AIA up to the current annual limit when bought under Hire Purchase. Leased cabins don't attract AIA, but the rental payments are normally deductible as a business expense instead. It is worth confirming the treatment with your accountant at the point of purchase, since claiming the allowance in the year you buy the site cabin rather than spreading relief over several years can make a real difference to that year's tax bill.
What happens at the end of the agreement?
HP means the cabin is yours once fully paid. A Finance Lease usually allows a balloon payment to own it, continued rental, or handing it back. Operating Lease is return-only, which suits businesses that would rather not manage cabin storage and resale between projects. Which option suits best usually comes down to whether you expect to keep using this exact site cabin for years to come, or whether you are likely to want a newer or different-specification machine within a few years.
Do I need a deposit?
Hire Purchase typically asks for 10-20%, while Finance Lease and Operating Lease usually require none. Because cabins hold value reasonably well when maintained, some lenders will flex the deposit for businesses with an established trading history. If cash is tight when the site cabin is needed, ask the lender whether the deposit can be reduced in exchange for a marginally higher rate; this is often negotiable, particularly for an established trading business.

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