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Washing Plant Finance

Sand and aggregate washing plant is typically quoted as a bespoke system rather than an off-the-shelf model, with complete installations costing from around £150,000 for a single sand screw and dewatering unit to £450,000 for a full multi-stage washing and water recycling plant.

Can you finance a washing plant?

Yes, washing plants 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 £150,000 to £450,000, 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

£150k – £450k

Approval Speed

24–48 hours

Same-day for straightforward deals

Rates From

5.4% - 9.9% per annum

What would a washing plant cost per month?

£280,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical washing plant 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
Quarries installing washing plant as a permanent part of an established processing line

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 bundling washing modules, screens and pumps into one deductible payment as a processing line expands

Operating Lease

Rate
6.4% - 9.9% per annum
Term
24-60 months
Deposit
None required
Ownership
Return at end
Best for
Operators who want washing capacity off balance sheet while product specifications and customer requirements evolve

Representative example

On a purchase price of £280,000: a 10% deposit of £28,000, then 48 monthly payments of £5,907 at 5.9% APR representative (fixed). Total amount payable £311,536, 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
Sand screw with single dewatering screen £150,000 - £220,000 Sand Washing Module
Log washer with attrition cell £180,000 - £260,000 Aggregate Washing Module
Multi-stage washing plant with water recycling and clarifier £320,000 - £450,000 Complete Washing Plant

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Tax benefits

Washing plant 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 plant 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

Washing plant is bought by sand and gravel quarries, recycled aggregate producers and construction and demolition waste processors who need to remove clay, silt and fines to meet a customer's product specification, and suppliers such as CDE and Terex Washing Systems typically quote each installation as a bespoke configuration rather than a fixed model, so pricing is built up from the modules a site actually needs. Financing usually covers the washing modules, screens and pumps as the core asset, with civils, tanks and water management infrastructure priced and treated separately depending on how much of it is fixed to the ground. Replacement is driven by wear to screens, pump linings and cyclones rather than the structural steelwork, and a functioning used market exists for washing modules that can be relocated between sites.

Bad credit?

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

Since washing plant is bespoke, how is it valued for finance purposes?
Lenders work from the supplier's itemised quote for the modules being supplied, such as the sand screw, log washer, screens and pumps, rather than a catalogue list price, since each installation is configured to the site's material and water availability. Getting an itemised quote from your supplier before applying, rather than a single lump-sum figure, helps the lender assess the equipment accurately and can speed up the decision.
Does washing plant finance cover civils and water tanks, or just the machinery?
It depends on the lender and how the invoice is structured. The washing modules, screens, pumps and control systems are generally financeable as equipment in the normal way. Below-ground civils, settlement lagoons and large fixed water tanks are more often treated as building works and may sit outside the equipment finance agreement, funded separately through working capital or a commercial mortgage where the site is owned. Discussing the full project scope with your broker before finalising the quote helps separate what can and can't be financed.
Can I finance a washing plant expansion alongside an existing quarry line?
Yes, adding modules to an existing washing plant, such as a second dewatering screen or additional water recycling capacity, is a common and straightforward finance request, since the lender can see the existing plant's track record on site. This is often more easily approved than financing a completely new washing plant installation from scratch. Your broker can talk this through against your own trading history and site circumstances before you commit to a particular structure.
Can I finance a used or relocated washing module?
Yes, used washing modules that are being moved from a decommissioned or downsized site are financeable, though lenders will want to understand the condition of the screens, pump linings and cyclones, and the cost of relocation and recommissioning. A clear valuation covering both the equipment and the reinstallation cost will support the application. Ask for evidence of servicing and, where one exists, any dealer or manufacturer warranty that transfers with the sale, since this can materially affect both the valuation a lender puts on the equipment and the rate you're offered.
Is washing plant eligible for Annual Investment Allowance?
Yes, washing plant qualifies as plant and machinery, so it's eligible for AIA up to the current annual limit under Hire Purchase. Leased plant doesn't attract AIA directly, but the rental is usually deductible as a business expense instead. Given the values involved in a multi-stage installation, it's worth planning the timing of the purchase with your accountant to make the most of the allowance in the year of purchase.

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