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Concrete Pump Finance

Concrete pumps range from around £70,000 for a trailer-mounted pump to £450,000 for a large truck-mounted boom pump, almost always financed by concrete placement specialists.

Can you finance a concrete pump?

Yes, concrete pumps 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 £60,000 to £450,000, 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

£60k – £450k

Approval Speed

24–48 hours

Same-day for straightforward deals

Rates From

5.4% - 9.9% per annum

What would a concrete pump cost per month?

£180,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical concrete pump price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
5.9% - 9.9% per annum
Term
12-84 months
Deposit
10-20%
Ownership
Yours at the end
Best for
Businesses that want to keep a pump busy across back-to-back concrete pours

Finance Lease

Rate
5.4% - 8.9% per annum
Term
12-84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Businesses that want lower upfront cost while building up a pumping contract book; payments are usually deductible as an operating expense

Operating Lease

Rate
6.4% - 9.9% per annum
Term
24-60 months
Deposit
None required
Ownership
Return at end
Best for
Businesses that want to keep the concrete pump off balance sheet and upgrade regularly

Representative example

On a purchase price of £180,000: a 10% deposit of £18,000, then 48 monthly payments of £3,797 at 5.9% APR representative (fixed). Total amount payable £200,256, 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
Putzmeister TK50 £70,000 - £95,000 Trailer-Mounted Concrete Pump
Putzmeister TK70 £95,000 - £135,000 Trailer-Mounted Concrete Pump
Schwing SP 500 £80,000 - £115,000 Trailer-Mounted Concrete Pump
Schwing SP 750-18 £180,000 - £260,000 Truck-Mounted Boom Pump (18m)

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Tax benefits

A concrete pump 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 concrete pump 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

Concrete pumps are almost always bought by dedicated pumping contractors or large groundworks firms with enough recurring pour volume to keep a pump utilised, since the machine is only earning when it's on a job. Most contractors finance rather than buy outright given the cost, using the day-rate income from pumping jobs to cover repayments. Replacement is driven by wear on the boom, pipeline and wearing parts of the pumping unit, and truck-mounted boom pumps in particular hold their value well in the used market because certified boom inspections give buyers confidence in condition.

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 concrete pump?
Yes. Lenders will typically want to see the boom's certified inspection history, since that's the component most likely to affect resale value and safe operation. Trailer pumps are simpler and easier to finance used than truck-mounted boom pumps, which need a fuller condition and service history before a lender will commit to terms. Whatever the age of the concrete pump, 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 concrete pump's working life?
5 to 7 years is typical, reflecting how long the pumping unit and boom stay serviceable with regular maintenance and certified inspection. Pumping contractors with a steady book of work often choose the longer end of that range to keep monthly costs down relative to day-rate income. Getting the term broadly right for a concrete pump 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 concrete pump eligible for Annual Investment Allowance?
Yes, a concrete pump qualifies as plant and machinery, so it's eligible for AIA up to the current annual limit under Hire Purchase. This lets a pumping business write off the full cost in the year of purchase. Leased pumps don't qualify for AIA, but the rental is usually deductible against profits instead. It is worth confirming the treatment with your accountant at the point of purchase, since claiming the allowance in the year you buy the concrete pump 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?
HP transfers full ownership once the agreement is paid off. A Finance Lease usually offers a balloon payment to take ownership, continued rental, or handover to the funder. Operating Lease is return-only, which some contractors prefer for boom pumps given how much resale value depends on inspection history they'd rather not manage themselves. Which option suits best usually comes down to whether you expect to keep using this exact concrete pump 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?
Hire Purchase deposits of 10-20% are standard, though given the value of a boom pump this can represent a significant sum. Finance Lease and Operating Lease structures generally need no deposit, which is why many pumping contractors use them to preserve cash for staffing and pipeline. If cash is tight when the concrete pump 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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