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Tarmac Roller Finance

Tandem tarmac rollers used for surfacing cost from around £20,000 for a small pedestrian-operated model to £90,000 for a large ride-on unit, usually financed by resurfacing contractors.

Can you finance a tarmac roller?

Yes, tarmac rollers 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 £20,000 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

£20k – £90k

Approval Speed

24–48 hours

Same-day for straightforward deals

Rates From

4.5% - 8.4% per annum

What would a tarmac roller 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 tarmac roller price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
4.9% - 7.9% per annum
Term
12-84 months
Deposit
10-20%
Ownership
Yours at the end
Best for
Businesses that want to keep a roller permanently available through the surfacing season

Finance Lease

Rate
4.5% - 7.4% per annum
Term
12-84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Businesses that want lower upfront cost matched to seasonal surfacing demand; payments are usually deductible as an operating expense

Operating Lease

Rate
5.4% - 8.4% per annum
Term
24-60 months
Deposit
None required
Ownership
Return at end
Best for
Businesses that want to keep the tarmac roller 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
Bomag BW 80 AD-5 £20,000 - £28,000 0.8-Tonne Tandem Roller
Bomag BW 90 AD-5 £24,000 - £34,000 0.9-Tonne Tandem Roller
Hamm HD 12 £35,000 - £48,000 1.5-Tonne Tandem Roller
Bomag BW 141 AD-5 £55,000 - £80,000 4-Tonne Tandem Roller

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Tax benefits

A tarmac roller 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 tarmac roller 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

Tarmac and tandem rollers are bought mainly by road surfacing and driveway contractors, and demand is strongly seasonal, concentrated in the drier months when asphalt laying is practical. Businesses running a consistent surfacing programme tend to finance a roller to avoid repeated hire fees each season, while smaller contractors with occasional resurfacing jobs typically hire. Replacement follows wear to the drum scrapers, water system and vibration bearings, and the used market is active because tandem rollers are mechanically straightforward and widely resold by plant hire companies.

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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 tarmac roller?
Yes. Most lenders finance tandem rollers up to around 10 years old, and given the simple mechanics, a competent engineer's check is usually enough rather than a formal valuation. Drum condition and vibration bearing wear are the main things a lender or inspector will look at. Whatever the age of the tarmac roller, 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 tarmac roller's working life?
4 to 6 years is common, matched to how long the vibration system and drum bearings stay reliable under regular surfacing work. Given how seasonal this work is, some contractors prefer a term that keeps payments manageable across quieter winter months. Getting the term broadly right for a tarmac roller 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 tarmac roller eligible for Annual Investment Allowance?
Yes, a tarmac roller is plant and machinery, so it qualifies for AIA up to the current annual limit under Hire Purchase, letting you write off the full cost against profits in the year of purchase. Leased rollers don't attract AIA, but payments are usually deductible as a business expense. It is worth confirming the treatment with your accountant at the point of purchase, since claiming the allowance in the year you buy the tarmac roller 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 hands you full ownership once paid off. Finance Lease usually offers a balloon payment, continued rental, or return. Operating Lease is return-only, which suits contractors who prefer not to store a roller through the off-season and would rather hand it back. Which option suits best usually comes down to whether you expect to keep using this exact tarmac roller 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, while Finance Lease and Operating Lease usually need none. Given the seasonality of surfacing work, some contractors time the start of an agreement to align with the beginning of the working season to smooth cashflow. If cash is tight when the tarmac roller 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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