Utilities & Waste Management

  • Run the latest plant & equipment
  • Replace inefficient vehicles
  • Expand your capacity
  • Invest in your staff
Excellent 300+ reviews 4.6 stars 200+ reviews

Utilities & Waste Management

  • Run the latest plant & equipment
  • Replace inefficient vehicles
  • Expand your capacity
  • Invest in your staff
Excellent 300+ reviews 4.6 stars 200+ reviews
  • Both a lender and broker

  • Utilities industry finance since 2007

  • Expert personal service

In its National Infrastructure Strategy of 2020, the Prime Minister stated his commitment to ‘renewing the ties that bind us together’, and support the levelling up of the UK. He also acknowledged that our ‘national anatomy is creaking’, with congested cities, towns and villages, and inner-city and rail networks old and in need of renewal. The strategy sets out to deliver an infrastructure revolution and achieve net zero emissions by 2050, summarising their aims with three words: fairer, faster, greener.



For the Government, ‘fairer’ means the levelling up of the regions but also an far more open approach to private investment in infrastructure programmes. This can open the door to SME providers in the sector, as long as they can comply with the inevitable regulations and policies that will be demanded of them. There will be many opportunities for businesses that can manage the admin as well as the groundworks, price work accurately and submit compelling and compliant bids. This may require investment in outside specialists, acquiring new accreditations and certification or bringing new and experienced talent into your business. Whichever way you need to achieve it, Portman Asset Finance can assist with a range of bespoke finance and loan solutions.



That’s faster implementation of new infrastructure projects. This means addressing complex planning processes, slow-decision making and low productivity in the construction sector. The construction sector needs to be more internationally competitive, more productive, more sustainable and with better use of data and modern construction methods. Successful businesses will be those that invest in these areas, because if they don’t they will be left behind by the wave of change that is coming. With Portman Asset Finance as your finance partner, you can have a bespoke solution for finance, lease or loan to help you invest in productivity, efficiency, capability, and sustainability. That’s having the right IT to run a slick operation; the latest equipment and machines to support faster, cleaner work; the right skills and training to speed up adoption of new techniques and methods; and the greenest vehicles and waste solutions to demonstrate your business is supporting net zero goals.

Our team of experts is ready to help


Infrastructure investment is seen as fundamental to delivering net zero emissions by 2050, with key measures including renewable energy generation, more nuclear power stations, more carbon capture and storage, extending the EV charging network, more heat pumps, tree planting and the protection of properties from flooding and coastal erosion. Huge opportunities for anyone in the utilities and waste management sector for sure, but only those that can demonstrate their own commitment and investment in supporting the green agenda. With Portman Asset Finance, you can accurately plan your investment in the latest plant and specialist equipment.

How we support Utilities & Waste Management businesses

Fairer, faster, greener. Those are the (current) government’s watchwords as we head towards achieving net zero by 2050. There is clearly massive investment required, and businesses in this sector are looking at decades of opportunity ahead. They will be expected to modernise though. They will need to be more efficient, not just on site, but at every point of their business. They will need to be able to react more quickly to a faster decision making process. And they will need to have clear and compelling commitments to reducing their own carbon footprint and improving sustainability.
icon Hire Purchase

Hire purchase usually involves paying the VAT and a deposit up-front. Fixed monthly repayments are then made, affected by whether you pay off the entire loan over the term or chose a final balloon payment. The final option to purchase is guaranteed for a nominal fee, transferring ownership of the asset to the customer.

Hire purchase is well-suited for situations where a company definitely wants to own the item at the end of the term, often where the asset has a significant usable lifespan, a high residual value and will not need to be upgraded.

Explore Hire Purchase
icon Lease Finance

Equipment leasing allows a business to acquire hard or soft assets without the upfront costs associated with large purchases. A lender purchases the item, the business then leases it through fixed monthly payments over an agreed term.

Typically, asset finance is provided for high value ‘hard’ assets such as machinery, equipment, or vehicles, but Portman also arranges asset finance for ‘soft’ assets such as IT, fitness, catering, or vending equipment, as well as premises fit-outs, furniture or even air-conditioning.

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icon Business Loans

Business loans are a way of borrowing money, which is repaid in monthly instalments, including interest, over an agreed term. Business loans are a common way to help smooth out cashflow fluctuations and take opportunities where otherwise they could be missed due to a lack of working capital.

Business loans can be secured or unsecured. Portman typically provides unsecured loans which can be more flexible and do not require collateral but are likely to require a personal guarantee. Secured loans are tied to an asset which the lender can claim ownership of if repayments are not made, these may be used in equipment refinance deals.

Explore Business Loans
icon Start Up Loans

New businesses often need an injection of finance to get them off the ground. Asset finance for new businesses allows you to focus on running your company and bringing in customers, confident that you have the equipment, vehicle or stock you need without the large initial outlay.

Using finance for your equipment means that you preserve the credit card or overdraft for contingency and operating expenses when the unexpected happens.

Explore Start Up Loans
icon Equipment Refinance

If you recently bought a high-value item outright but would now prefer to have financed it, we can help with a sale-and-lease-back agreement. If the item is less than 3m old, give us a copy of the invoice and we will calculate the current value. After a few checks and acceptance of the term and monthly repayments, we can give you the cash equivalent of the invoice to put back into the business. You’ll then make fixed monthly payments including interest, whilst your asset earns you money.

If your business owns high value assets that are not currently on finance, subject to a valuation, it is also possible to use them as security for a loan, with lenders offering a cash loan up to a % of the asset’s value.

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icon Recovery Loans – Ending June 30

With no personal guarantee up to £250k, Recovery Loans offer an excellent way of making sure your business gets back on its feet after the effects of the pandemic. Many businesses affected by the Covid-19 pandemic and its restrictions can access the UK government’s Recovery Loan Scheme (RLS), providing UK SMEs with better access to finance.

Recovery Loans can be used for any legitimate business or simply provide cashflow. Up to £350k can be borrowed on terms from 2 to 6 years and with no personal guarantee up to £250k, your personal wealth is not at risk.

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Having the opportunity to offer a lease option on a commercial fit out which covers the partitioning, carpets, and furniture – all of the items you would think you couldn’t lease- is fantastic. It means that our clients can keep the same specification, rather than having to cut down and restrict elements of the project. As a contractor, it also means we can get a deposit up front, which secures our labour and materials.

I gave George at Portman a ring, he was really helpful and laid out all the options. We ended up spreading the payments over three years- it is a very simple, straightforward agreement and the decision was back in 24 hours. The whole Portman experience has been fantastic.

From the first call, they were very friendly and very helpful – our Account Manager guided us along the way for our first finance agreement and we’ve never had a problem since. We used them again for the new press six years down the line.

Portman enabled us to spread the cost of purchasing the equipment for our trampoline park, which meant we could use extra marketing channels and launch the business the way we wanted to. If we hadn’t been able to spread the cost of our initial fit out, we probably wouldn’t be in the position we are today.

My Account Manager, Jordan has helped me out from the top to the bottom and I really appreciate what he has done for me. He’s made it a smooth journey for me and was great at keeping me up to date over the phone and would even respond to emails out of hours which I really appreciated.

With the support from Portman, Georgia opened her stunning restaurant in Chelsea, London and has since received a considerable amount of success, receiving glowing reviews about the food, beautiful location and her hard working team.

Lamen needed the finance to secure his dreams. Lamen was assigned one of our dedicated Account Managers, making his process as simple and easy as possible. Portman were able to provide the finance to lease all his Kitchen Equipment so he could stay ahead in the competitive market.

How does it work?

We make things easy

We know that finance can sometimes be confusing and stressful, but what we do is simple.


1. Get started in 1 minute.

Enquire without affecting your credit score.


2. Understanding your business.

A dedicated account manager will discuss your needs and collect documentation.


3. Our experts do the leg-work.

We find the right deals, complete applications on your behalf and get you a no obligation quote.


4. Your no-fuss finance is funded.

If accepted, your assets will be bought and delivered or the finance released to your account.

Enquire today
Successful Utilities businesses protect, invest and evolve.
Unlock your potential with Portman Asset Finance.