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Cement Mixer Finance

Site cement mixers cost from around £550 for a small electric mixer to £6,500 for a larger diesel unit, and most small builders buy outright or finance them with other tools.

Can you finance a cement mixer?

Yes, cement mixers 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 £500 to £12,000, 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

£500 – £12k

Approval Speed

24–48 hours

Same-day for straightforward deals

Rates From

6.4% - 11.9% per annum

What would a cement mixer cost per month?

£2,500
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical cement mixer price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
6.9% - 11.9% per annum
Term
12-84 months
Deposit
10-20%
Ownership
Yours at the end
Best for
Businesses that want to keep a mixer on-site permanently for small pours

Finance Lease

Rate
6.4% - 10.9% per annum
Term
12-84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Businesses that want to spread the cost of a fleet of small tools together; payments are usually deductible as an operating expense

Operating Lease

Rate
7.4% - 11.9% per annum
Term
24-60 months
Deposit
None required
Ownership
Return at end
Best for
Businesses that want to keep the cement mixer off balance sheet and upgrade regularly

Representative example

On a purchase price of £2,500: a 10% deposit of £250, then 48 monthly payments of £53 at 5.9% APR representative (fixed). Total amount payable £2,794, 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
Belle Minimix 150 Electric £550 - £700 150L Electric Site Mixer
Belle Minimix 150E+ Battery £900 - £1,300 150L Battery-Powered Site Mixer
Belle Minimix 150 Petrol £850 - £1,050 150L Petrol Site Mixer
Belle Maxi Range £2,500 - £6,500 Larger-Capacity Diesel Site Mixer

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Tax benefits

A cement mixer 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 cement mixer 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

Small builders, landscapers and groundworkers are the typical buyers of site cement mixers, and the 150-litre barrow mixer is the standard choice because it covers footings, mortar and small slabs without needing a ready-mix delivery. At this price point most businesses buy outright or add the mixer to a wider small-tools finance package rather than financing it alone. Replacement tends to follow drum and bearing wear from repeated use rather than a set age, and there's a large used market since these mixers are mechanically simple and widely resold by hire companies clearing older stock.

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 cement mixer?
It's possible but uncommon on its own, since the value is usually below what a lender will finance as a standalone item. Most contractors either buy a used mixer for cash or include it within a broader plant or small-tools finance package, which is the more practical route if you want it on finance rather than paid upfront. Whatever the age of the cement mixer, 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 cement mixer's working life?
A well-built mixer can last 8-10 years with occasional bearing and paddle replacement, but most finance terms run 2-4 years to match how quickly small tools get knocked about on site. A shorter term also avoids the mismatch of financing a low-cost item over a long period. Getting the term broadly right for a cement mixer 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 cement mixer eligible for Annual Investment Allowance?
Yes, it qualifies as plant and machinery, so AIA applies when bought under Hire Purchase. Given the low cost, most businesses simply expense it in the year of purchase however it's funded, and AIA becomes more relevant when the mixer is financed as part of a larger equipment package. It is worth confirming the treatment with your accountant at the point of purchase, since claiming the allowance in the year you buy the cement mixer 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?
Hire Purchase is by far the most common route for a mixer at this price, and ownership passes to you once the final payment clears. Leasing a single mixer is rare because the administrative cost of a lease doesn't suit such a small asset. Which option suits best usually comes down to whether you expect to keep using this exact cement mixer 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?
Many lenders waive the deposit on a standalone mixer given the low value, or ask for a modest amount if it's bundled with other tools. Where a deposit is required, 10-20% is typical, in line with standard small-plant finance terms. If cash is tight when the cement mixer 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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