Spread the cost of a road-rail excavator from £140,000 to £420,000+ with flexible finance options. HP, lease, or refinance
Yes, road-rail excavators 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 £140,000 to £420,000, and most deals are written over 36-84 months with a deposit of around 15-20%. Decisions typically take 3–5 working days. Used machines are financeable too, usually with a shorter term.
Typical Cost
£140k – £420k
Approval Speed
3–5 working days
Faster once network certification is confirmed
Rates From
6.2% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical road-rail excavator 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 £230,000: a 10% deposit of £23,000, then 48 monthly payments of £4,852 at 5.9% APR representative (fixed). Total amount payable £255,896, 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 |
|---|---|---|
| Geismar KGT 280 Road-Rail Excavator | £240,000 - £380,000 | Road-rail excavator, 28-tonne class |
| Geismar x JCB Hydradig Road-Rail Excavator | £190,000 - £290,000 | Road-rail excavator, 14-tonne class |
| Colmar T10000 FS Road-Rail Excavator Crane | £260,000 - £400,000 | Road-rail excavator crane, heavy lift |
| 20-Tonne Class Road-Rail Excavator | £150,000 - £240,000 | Standard-boom road-rail excavator (specification class) |
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For UK limited companies with 3+ months’ trading and monthly revenue.
Road-rail excavators qualify for Annual Investment Allowance (AIA), letting you deduct the qualifying cost from taxable profits in the year of purchase, up to the current annual limit. HP allows capital allowances on the machine. Lease payments are fully deductible from profits.
Road-rail excavators are bought by rail plant and civils contractors working under Network Rail frameworks, rather than by Network Rail itself. As with other road-rail vehicles, these machines must be certified for network access before they can go onto track, and that certification, together with the contractor's own accreditation to work on the network, is what actually controls who can put a machine to work, not simply owning the excavator. Lenders treat a certified, framework-approved contractor as a materially stronger proposition than an uncertified one, since the certification and accreditation are what allow the asset to earn. Machine size is usually driven by the lifting and digging duties named in a specific framework or contract, from lighter machines for general civils work up to heavy-lift cranes for overhead line structure work. A functioning used market exists through specialist rail plant dealers, and many machines are refurbished and re-certified partway through their working life rather than scrapped.
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.