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Hoist Finance

Construction hoists cost from around £15,000 for a single materials hoist to £55,000 for a twin-car passenger and goods hoist, usually financed by main contractors on multi-storey projects.

Can you finance a hoist?

Yes, hoists 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 £90,000, 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 – £90k

Approval Speed

24–48 hours

Same-day for straightforward deals

Rates From

5.4% - 9.9% per annum

What would a hoist cost per month?

£40,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical hoist 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 hoist permanently available across multi-storey projects

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 a multi-storey project pipeline develops; 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 hoist off balance sheet and upgrade regularly

Representative example

On a purchase price of £40,000: a 10% deposit of £4,000, then 48 monthly payments of £844 at 5.9% APR representative (fixed). Total amount payable £44,512, 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
Goods-Only Hoist, up to 2,000kg £15,000 - £25,000 Materials Hoist
Single Car Hoist, up to 1,000kg £18,000 - £30,000 Single-Car Passenger/Goods Hoist
Twin Car Hoist, up to 3,200kg £35,000 - £55,000 Twin-Car Passenger/Goods Hoist

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Tax benefits

A construction hoist 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 construction hoist 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

Construction hoists are bought by main contractors and specialist hoist companies working on multi-storey buildings, where moving people and materials vertically by stair or crane alone would slow the project significantly. Twin-car passenger and goods hoists are typically used on larger residential and commercial towers, while single materials hoists suit smaller or lower-rise projects. Ownership tends to make sense for contractors with a consistent pipeline of multi-storey work, since the mast sections and car units are reusable across projects, while occasional users typically hire. Replacement is driven by wear to the drive mechanism and safety systems rather than a fixed age.

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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 hoist?
Yes. As with mast climbers, hoists are modular, so lenders assess mast sections, the car unit and drive mechanism individually. Safety systems, including overspeed and door interlocks, are the main focus of any inspection, since these are safety-critical and directly affect the value of a used hoist. Whatever the age of the hoist, 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 hoist's working life?
5 to 7 years is typical, reflecting how long the drive mechanism and safety systems stay reliable under repeated erection and use across projects. Main contractors with a steady pipeline of multi-storey builds often choose the longer end of that range. Getting the term broadly right for a hoist 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 hoist eligible for Annual Investment Allowance?
Yes, a construction hoist qualifies as plant and machinery, so it's eligible for AIA up to the current annual limit under Hire Purchase. Leased hoists don't attract AIA, but the rental is 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 hoist 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 ownership once the agreement is paid off. A Finance Lease usually allows a balloon payment, continued rental, or return. Operating Lease is return-only, which some contractors prefer given the storage and logistics involved in managing mast sections between projects. Which option suits best usually comes down to whether you expect to keep using this exact hoist 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. Finance Lease and Operating Lease generally require none. Where a hoist is financed as a full system with multiple mast sections and a car unit, deposit terms are usually set against the total package value. If cash is tight when the hoist 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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