Muck away lorries cost from around £50,000 for a 3.5-tonne tipper to £150,000 for a large combined grab-tipper, and most operators finance them as part of a haulage fleet.
Yes, muck away lorrys 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 £50,000 to £150,000, 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
£50k – £150k
Approval Speed
24–48 hours
Same-day for straightforward deals
Rates From
4.5% - 8.4% per annum
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical muck away lorry 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 £90,000: a 10% deposit of £9,000, then 48 monthly payments of £1,899 at 5.9% APR representative (fixed). Total amount payable £100,152, 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 |
|---|---|---|
| 3.5-Tonne Tipper (Non-CPC) | £50,000 - £65,000 | Light Tipper Truck |
| 18-Tonne Rigid Tipper | £75,000 - £100,000 | Mid-Weight Muck Away Lorry |
| 26-Tonne 8-Wheel Tipper | £95,000 - £125,000 | Heavy Muck Away Lorry |
| 32-Tonne Grab-Tipper Combi | £120,000 - £150,000 | Combined Grab and Tipper Vehicle |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
A muck away lorry 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 muck away lorry 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.
Muck away lorries are bought by groundworks contractors and dedicated haulage firms that remove excavation spoil in volume, and the 18 to 32-tonne range covers most UK site work since it balances payload against site access constraints. Businesses running scheduled or contracted haulage work tend to finance vehicles as part of a wider fleet, matching repayments to job income, while smaller contractors with occasional spoil runs are more likely to subcontract the work out. Replacement is driven by chassis mileage and body wear from abrasive loads, with Clean Air Zone and ULEZ compliance increasingly shortening the practical life of older diesel vehicles in UK cities.
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.