Plant & construction finance
Heavy kit. Lighter cash flow.
Excavators, dumpers, telehandlers and access equipment funded new or used, for owner-operators and contractors alike.
A more useful starting point
Plant & construction finance: what matters before you enquire
Construction and plant finance is driven by the machine's working hours, condition, attachments, resale market and the contracts it will support. New, used, dealer, auction and private-sale routes can all require different evidence.
Who commonly uses it: Groundworks firms, civil engineers, plant hire companies, demolition contractors, access specialists and owner-operators use finance to add productive kit without tying up all project cash.
Routes to compare: Hire purchase can suit equipment the business expects to keep. Refinance or sale & leaseback can release value from owned excavators, dumpers and access equipment. Attachments may be funded with the principal machine or separately.
What we can fund
Common funding routes
Match the structure to the job the asset must do.
There is no universal best route. Compare ownership, useful life, deposit, payment profile, VAT, security and the end-of-term plan.
Hire purchase →
Hire purchase splits the price of an asset into regular payments. Once the final instalment and any option fee are paid, ownership passes to your business.
Asset refinance →
Refinancing raises funds against assets your business already owns or is still paying for, releasing equity while the equipment keeps working.
Sale & leaseback →
A lender purchases eligible assets from your business and leases them back to you, unlocking a cash sum with no disruption to day-to-day operations.
Broker tips
- ●Popular brands tend to attract stronger valuations
- ●Hours and serial numbers speed up used-plant deals
- ●Seasonal payment profiles may be available
Prepare a credible brief
Information that keeps the conversation moving.
- ✓Make, model, year, serial number, hours, condition report and photographs
- ✓Attachment list, valuation and any inspection or service history
- ✓Auction catalogue, seller invoice and title evidence before bidding or paying
- ✓Current projects, order book or utilisation plan showing how the machine will earn
Plan the economics
Questions lenders and owners will care about.
- →Hours and maintenance history can materially change value
- →Transport, commissioning, operator training and attachments can change the true project cost
- →Seasonal and staged payments may help where construction receipts are uneven
- →Check whether a machine is road registered, site-only or subject to specialist insurance
Typical use cases
What this can look like in practice.
Can I buy plant at auction?+
Some lenders support auction purchases; speak to us before you bid.
Can I release cash from plant I own?+
Yes — see asset refinance and sale & leaseback.
Can I buy plant at auction?+
Some lenders support auction purchases; arrange the funding route before you bid and confirm the payment timetable.
Can attachments be included?+
Often, if they are clearly described and connected to the financed machine.
How is used plant valued?+
Age, hours, condition, brand, attachments and resale demand all contribute to the lender's view.
Next step
Start your quote
Tell us about the plant & construction finance you are considering. Choose phone, WhatsApp or email as your preferred contact. No credit search to enquire.
Ready to fund your next asset?
Two minutes to share the details. No credit search from this website. A broker replies during opening hours.