Lendus.

Concrete Mixer Finance

Spread the cost of concrete mixers from £80,000 to £250,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£80k – £250k

Approval Speed

24–48 hours

Same-day for < £150k

Rates From

From 4.2% APR

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Finance options

Hire Purchase (HP)

Rate
From 4.5% APR
Term
12–84 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Ready-mix companies wanting to own the vehicle outright

Finance Lease

Rate
From 4.2% APR
Term
12–84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient — claim 100% of payments against profit

Operating Lease

Rate
From 4.9% APR
Term
36–60 months
Deposit
None required
Ownership
Return at end
Best for
Keep fleet modern and emission-compliant. Off balance sheet.

Representative example

Borrow £140,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£2,913. Total amount payable: ~£139,824. Rates depend on your circumstances.

Popular models

Model Price Range Type
Mercedes Arocs 3240 8x4 Mixer £130,000 – £180,000 8m³ Truck Mixer
Renault C430 6x4 Mixer £100,000 – £140,000 6m³ Truck Mixer
DAF CF 8x4 Mixer £120,000 – £170,000 8m³ Truck Mixer
Volvo FMX 8x4 Mixer £140,000 – £200,000 8m³ Truck Mixer

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Tax benefits

Concrete mixer trucks qualify for Annual Investment Allowance (AIA), letting you deduct the full purchase cost from taxable profits in year one — up to £1,000,000. HP agreements allow capital allowances claims on the full vehicle. Lease rentals are fully deductible from profits.

Market context

The UK ready-mixed concrete market produces over 25 million cubic metres annually. The industry operates a fleet of approximately 3,500 mixer trucks. Construction output growth of 3.5% annually is driving demand for new mixer trucks.

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. Our eligibility check uses a soft search only — no impact on your credit score.

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Frequently asked questions

Can I finance a used concrete mixer?
Yes. Most lenders finance used concrete mixers up to 8 years old. An independent mechanical inspection and valuation are typically required. Rates for used vehicles are 0.5–1% higher than new.
What deposit do I need?
For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit. Given higher values, a larger deposit can significantly improve your terms.
How quickly can I get concrete mixer finance?
Most applications are approved within 24–48 hours. For deals under £150k, same-day approval is possible. Fleet orders or higher values may take 3–7 working days.
Do I need to have been trading for a minimum period?
Most lenders require 2+ years of trading history and evidence of existing contracts. Newer businesses may need a personal guarantee, additional security, or a higher deposit.

Guides and resources

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