Lendus.

Conveyor Finance

Stacking and stockpile conveyors cost from around £15,000 for a short radial stacker to £90,000 for a long overland feed conveyor, usually financed alongside crushing and screening plant.

Can you finance a conveyor?

Yes, conveyors 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 £15,000 to £120,000, 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

£15k – £120k

Approval Speed

24–48 hours

Same-day for straightforward deals

Rates From

5.4% - 9.9% per annum

What would a conveyor cost per month?

£45,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical conveyor 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 conveyor permanently matched to crushing and screening plant

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 material processing capacity grows; 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 conveyor off balance sheet and upgrade regularly

Representative example

On a purchase price of £45,000: a 10% deposit of £4,500, then 48 monthly payments of £949 at 5.9% APR representative (fixed). Total amount payable £50,052, 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
40ft Radial Stacking Conveyor £15,000 - £28,000 Radial Stacking Conveyor
60ft Telescopic Conveyor £30,000 - £55,000 Telescopic Stockpile Conveyor
80ft+ Overland Feed Conveyor £55,000 - £90,000 Overland Feed Conveyor

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Tax benefits

A conveyor 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 conveyor 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

Conveyors are bought by quarries, demolition recyclers and materials processing businesses to move crushed or screened material into stockpiles without repeated handling by loader or dumper, and they are usually purchased alongside a crusher or screener rather than as a standalone decision. Financing tends to follow whatever structure is used for the associated crushing or screening plant, since the equipment works as a set. Replacement is driven by wear to the belt, rollers and drive motor rather than a fixed age, and the used market is smaller and more specialised than for crushers or screeners, since conveyor length and configuration need to match a specific site layout.

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Frequently asked questions

Can I finance a used conveyor?
Yes, though the used market is smaller than for crushers or screeners because belt length and configuration need to suit a specific site. Lenders will check belt condition, roller wear and the drive motor, and financing a used conveyor alongside a crusher or screener purchase is the most common route. Whatever the age of the conveyor, 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 conveyor's working life?
5 to 6 years is typical, matched to belt and roller wear under regular material throughput. Businesses running a conveyor as part of a fixed processing line often align its finance term with the crusher or screener it feeds. Getting the term broadly right for a conveyor 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 conveyor eligible for Annual Investment Allowance?
Yes, a conveyor qualifies as plant and machinery, so AIA applies up to the current annual limit under Hire Purchase, letting a business deduct the full cost from profits in the year of purchase. Leased conveyors don't attract AIA, but payments are usually deductible as a business expense 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 conveyor 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 gives full ownership once paid off. Finance Lease usually offers a balloon payment, continued rental, or return. Operating Lease is return-only, which some materials processing businesses prefer so the conveyor can be swapped out as site layouts or throughput requirements change. Which option suits best usually comes down to whether you expect to keep using this exact conveyor 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 typically asks for 10-20% down. Finance Lease and Operating Lease usually require none. Where a conveyor is financed as part of a wider crushing and screening package, deposit terms are usually set against the combined value of all the equipment rather than the conveyor alone. If cash is tight when the conveyor 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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