Spread the cost of construction equipment from £5,000 to £500,000+ with flexible finance options. HP, lease, or refinance
Yes, construction equipments 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 £5,000 to £500,000, 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.
Typical Cost
£5k – £500k
Approval Speed
24–48 hours
Same-day for < £100k
Rates From
4.5% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical construction equipment price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £85,000: a 10% deposit of £8,500, then 48 monthly payments of £1,793 at 5.9% APR representative (fixed). Total amount payable £94,564, including the deposit. The rate you are offered depends on your business and the asset.
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 |
|---|---|---|
| JCB 3CX Backhoe Loader | £65,000 – £95,000 | Backhoe Loader |
| CAT 320 Excavator | £120,000 – £200,000 | Tracked Excavator |
| Volvo L60H Wheel Loader | £100,000 – £160,000 | Wheel Loader |
| Bomag BW 120 Roller | £25,000 – £45,000 | Compaction Roller |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Construction equipment qualifies 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. Lease payments are typically fully deductible from profits.
Construction equipment, from excavators and dumpers to compactors and site plant, is bought by groundworks and civil engineering contractors, house builders, and plant hire companies stocking a fleet to hire out. Most buyers finance rather than pay outright because equipment needs to be earning on site from day one, and a hire purchase agreement can be structured around contract income rather than requiring capital up front. Replacement is usually driven by hours run and rising repair costs on an ageing machine rather than a fixed age, with hire fleets cycling stock faster than owner-operators. A large, liquid used market, supported by export auction demand, keeps residual values solid.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.