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Construction and plant finance

Finance excavators, dumpers and telehandlers for contractors and plant hire firms. Compare rates from Lendus's lender panel and apply for finance online.

70 equipment finance pages in this category, covering purchases from £300 to £3.0m.

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What is the best way to finance construction plant?

Groundworks and civils contractors most often use hire purchase for tracked plant they intend to keep and run hard for years, because excavators, dumpers and telehandlers have a deep, liquid used market that gives lenders confidence in the security. Plant hire firms and contractors who want to refresh their fleet regularly instead lean towards operating lease or contract hire, which avoids holding depreciating iron and keeps the fleet current without the business carrying resale risk itself.

Buyers range from a one-machine groundworks contractor to a major civils firm or plant hire company running a large mixed fleet. Almost every buyer finances rather than pays cash, because a machine needs to be earning on site from the day it arrives, and a hire purchase or lease agreement lets a contractor match repayments to the contracts the machine is actually working on rather than paying the full price before a single day's work has been billed.

Hire purchase suits contractors who intend to own and keep using a machine for its full working life, which for well-maintained tracked plant can run to many thousands of hours. Operating lease and contract hire suit plant hire firms and larger contractors who want to refresh their fleet on a set cycle, avoid the admin of disposing of used machines themselves, and keep newer, more reliable equipment on site without carrying the resale risk when the agreement ends.

Construction plant has one of the deepest and most liquid used markets in UK asset finance, with strong export demand on top of domestic resale, which is exactly why plant finance rates are generally competitive even for larger or older machines. Specialist attachments and site-specific equipment have thinner resale, so a lender is more cautious financing those items in isolation from the core machine. Hours run and maintenance history both feed directly into how a specific machine is valued for finance.

The mistake we see most often is assuming finance pricing is flat regardless of a machine's age and hours, when in practice valuations and rates tighten meaningfully past a certain hours threshold, and a machine bought used at the top of that range can be harder and more expensive to finance than buyers expect going in. Checking the hours on a machine against that threshold before committing to a purchase price can avoid an unwelcome surprise at the finance stage.

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Every construction & plant page we have

Each page carries the price range we see quoted in the UK, the finance options that suit that specific item, and the questions buyers ask before signing.

Equipment Typical price range Decision time Page
Access Platform £12k to £150k 24–48 hours Access Platform finance
Asphalt Paver £130k to £500k 24–48 hours Asphalt Paver finance
Backhoe Loader £55k to £110k 24–48 hours Backhoe Loader finance
Boom Lift £45k to £220k 24–48 hours Boom Lift finance
Breaker £4k to £35k 24–48 hours Breaker finance
Bulldozer £90k to £450k 24–48 hours Bulldozer finance
Cement Mixer £500 to £12k 24–48 hours Cement Mixer finance
Cement Silo £25k to £150k 24–48 hours Cement Silo finance
Cherry Picker £25k to £180k 24–48 hours Cherry Picker finance
Compactor Plate £800 to £7k 24–48 hours Compactor Plate finance
Concrete Floor Grinder £8k to £90k 24–48 hours Concrete Floor Grinder finance
Concrete Mixer £80k to £250k 24–48 hours Concrete Mixer finance
Concrete Pump £60k to £450k 24–48 hours Concrete Pump finance
Construction Equipment £5k to £500k 24–48 hours Construction Equipment finance
Conveyor £15k to £120k 24–48 hours Conveyor finance
Conveyor Stacker £40k to £140k 24–48 hours Conveyor Stacker finance
Crane £50k to £2.0m 48 hours – 5 days Crane finance
Crash Cushion £4k to £60k 24–48 hours Crash Cushion finance
Crusher £150k to £600k 24–48 hours Crusher finance
Crusher Cone £165k to £420k 24–48 hours Crusher Cone finance
Crusher Jaw £135k to £485k 24–48 hours Crusher Jaw finance
Demolition Robot £30k to £160k 24–48 hours Demolition Robot finance
Diamond Drilling Rig £3k to £60k 24–48 hours Diamond Drilling Rig finance
Drill Rig £180k to £550k 24–48 hours Drill Rig finance
Dumper Articulated £50k to £450k 24–48 hours Dumper Articulated finance
Dumper Truck £8k to £55k 24–48 hours Dumper Truck finance
Excavator £15k to £350k 24–48 hours Excavator finance
Forklift £8k to £80k 24–48 hours Forklift finance
Formwork £10k to £250k 24–48 hours Formwork finance
Geothermal Drill Rig £80k to £400k 1–3 weeks Geothermal Drill Rig finance
High Reach Demolition £150k to £550k 3–5 working days High Reach Demolition finance
Hoist £15k to £90k 24–48 hours Hoist finance
Jackhammer £300 to £4k 24–48 hours Jackhammer finance
Laser Screed £45k to £220k 24–48 hours Laser Screed finance
Mast Climber £40k to £200k 24–48 hours Mast Climber finance
Micro Piling Rig £60k to £450k 1–3 weeks Micro Piling Rig finance
Mini Digger £8k to £60k 24–48 hours Mini Digger finance
Modular Building £15k to £250k 24–48 hours Modular Building finance
Muck Away Lorry £50k to £150k 24–48 hours Muck Away Lorry finance
Piling Rig £350k to £1.8m 24–48 hours Piling Rig finance
Plant Hire £10k to £500k 24–48 hours Plant Hire finance
Road Marking Machine £3k to £120k 24–48 hours Road Marking Machine finance
Road Roller £15k to £120k 24–48 hours Road Roller finance
Road Sweeper £25k to £220k 24–48 hours Road Sweeper finance
Rock Breaker £15k to £90k 24–48 hours Rock Breaker finance
Sand Plant £200k to £600k 24–48 hours Sand Plant finance
Scaffolding £5k to £200k 24–48 hours Scaffolding finance
Scissor Lift £10k to £55k 24–48 hours Scissor Lift finance
Screener £90k to £350k 24–48 hours Screener finance
Screening Plant £120k to £400k 24–48 hours Screening Plant finance
Shotcrete Machine £30k to £350k 24–48 hours for standard machines Shotcrete Machine finance
Shuttering £5k to £80k 24–48 hours Shuttering finance
Site Cabin £4k to £25k 24–48 hours Site Cabin finance
Site Generator £3k to £90k 24–48 hours Site Generator finance
Skid Steer £30k to £75k 24–48 hours Skid Steer finance
Snow Plough £3k to £40k 24–48 hours Snow Plough finance
Tarmac Roller £20k to £90k 24–48 hours Tarmac Roller finance
Telehandler £25k to £150k 24–48 hours Telehandler finance
Temporary Fencing £5k to £200k 24–48 hours Temporary Fencing finance
Tipper Grab £45k to £130k 24–48 hours Tipper Grab finance
Tower Crane £120k to £900k 24–48 hours Tower Crane finance
Tower Light £3k to £9k 24–48 hours Tower Light finance
Traffic Light System £3k to £80k 24–48 hours Traffic Light System finance
Trench Roller £12k to £45k 24–48 hours Trench Roller finance
Tunnelling Equipment £150k to £3.0m Several weeks Tunnelling Equipment finance
Variable Message Sign £4k to £90k 24–48 hours Variable Message Sign finance
Washing Plant £150k to £450k 24–48 hours Washing Plant finance
Welfare Unit £12k to £45k 24–48 hours Welfare Unit finance
Wheel Loader £60k to £220k 24–48 hours Wheel Loader finance
Wheel Loader Quarry £150k to £380k 24–48 hours Wheel Loader Quarry finance

People also ask

Can I finance a used excavator or digger?
Yes, most lenders finance used excavators and general plant up to around ten years old, with an independent valuation usually required on machines over five years old. Rates on used equipment typically run half a percent to one percent higher than new, reflecting the shorter remaining working life and the harder-to-predict maintenance costs.
What deposit is needed for plant finance?
Hire purchase typically asks for a deposit of 10% to 20%, while finance leases and operating leases often require none at all. A larger deposit reduces the monthly repayment and can unlock a better rate, particularly for older or higher-hour machines where the lender is taking on more residual value risk.
How quickly can construction plant finance be approved?
Straightforward deals under roughly £100,000 are often approved within 24 to 48 hours, and same-day decisions are common for smaller, simpler purchases. Larger, more complex deals, or those involving unusual or highly specialised attachments, can take five to seven working days as the lender works through valuation and security. Having the hours and service history of the machine ready in advance tends to keep things towards the faster end.
Is contract hire or hire purchase better for a plant hire business?
Contract hire tends to suit plant hire firms better because it avoids holding depreciating machines on the balance sheet and removes the admin of disposing of them at the end of their working life. Hire purchase suits a contractor who wants to own a machine outright and is comfortable managing its eventual resale itself.

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