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Tower Crane Finance

Tower cranes typically cost £120,000 to £900,000 new; most UK contractors finance them through HP or lease rather than tying up working capital.

Can you finance a tower crane?

Yes, tower cranes 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 £120,000 to £900,000, 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

£120k – £900k

Approval Speed

24–48 hours

Same-day for straightforward deals

Rates From

5.4% - 9.9% per annum

What would a tower crane cost per month?

£350,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical tower crane 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 own a crane outright for repeat use across sites

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 the flexibility to hand the crane back at the end of a project; 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 tower crane off balance sheet and upgrade regularly

Representative example

On a purchase price of £350,000: a 10% deposit of £35,000, then 48 monthly payments of £7,383 at 5.9% APR representative (fixed). Total amount payable £389,384, 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
Potain Igo T85A £180,000 - £260,000 Self-Erecting Tower Crane
Potain HDT 80 £320,000 - £480,000 Flat-Top Tower Crane
Liebherr 132 EC-H £450,000 - £700,000 Flat-Top Tower Crane
Liebherr 71 EC-B £280,000 - £400,000 Flat-Top Tower Crane

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Tax benefits

A tower crane 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 tower crane 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

Tower cranes are bought almost exclusively by main contractors, groundworks specialists and crane hire companies rather than by smaller subcontractors, because erection, dismantling and a certificated slewing operator all add cost on top of the machine itself. Many contractors finance rather than buy outright so capital stays available for the next site, and rely on hire for one-off jobs. Replacement is driven less by wear than by changing certification, LOLER inspection history and the reach or capacity needed for a scheme, so used cranes trade in a thin, specialist secondary market where provenance and inspection records matter more than 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 tower crane?
Yes, though the secondary market is smaller and more specialised than for excavators or dumpers. Lenders will want to see a full LOLER thorough examination history, erection and dismantling records, and confirmation the crane meets current safety standards before agreeing terms. Because resale values depend heavily on documented condition, expect a slightly higher deposit or rate than for a new crane, and be prepared for the valuation process to take longer than a straightforward plant deal.
What term suits a tower crane?
Most businesses spread the cost over 5 to 7 years, reflecting the working life of a well-maintained crane and typical project cycles. A term that is too short can strain cashflow between contracts; too long and you risk paying for a machine whose certification or technology has moved on. Lenders usually match the term to your trading pattern and the crane's expected utilisation across future sites.
Is a tower crane eligible for Annual Investment Allowance?
Yes, a tower crane counts as plant and machinery, so it qualifies for AIA up to the current annual limit when bought under Hire Purchase. This lets you deduct the full cost from taxable profits in the year of purchase rather than depreciating it over several years. If you lease rather than buy, you cannot claim AIA, but the rental payments are usually deductible as a business expense instead.
What happens at the end of a tower crane finance agreement?
Under HP the crane is yours once the final payment clears, with no further action needed. Under a Finance Lease you typically have the option to make a final balloon payment to take ownership, extend the rental at a reduced rate, or return the crane and let the funder handle resale. Under an Operating Lease you simply hand the crane back, which suits contractors who upgrade capacity or reach between major projects.
Do I need a deposit for tower crane finance?
Hire Purchase usually asks for 10-20% down, though this can flex based on trading history and the crane's projected resale value. Finance Lease and Operating Lease agreements typically need no deposit at all, since the funder retains ownership throughout. Putting down a larger deposit reduces the monthly cost and can improve the rate offered, which matters given the size of a typical tower crane deal.

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