Plant & Equipment Finance for Construction Businesses
Winning bigger contracts usually means more kit, and buying it outright ties up the cash you need for wages, materials and retentions. Boost Finance arranges construction equipment finance for groundworkers, contractors, civils firms and plant hire companies, from a single mini digger to a fleet of 8-wheel tippers. We know which lenders understand plant values and the way construction cash flow works.
What we finance for construction
Excavators & diggers
Mini, midi and tracked excavators, wheeled diggers and attachments from JCB, Kubota, Volvo, Komatsu, Hitachi and more. See plant & excavator finance.
Dumpers, rollers & telehandlers
Site dumpers, rollers, telehandlers, crushers and screeners, plus cranes and welfare units.
Tippers, grabs & site vans
Tipper and grab lorries, plant lorries, crew vans and pickups for getting teams and kit to site.
Finance calculator
What would your plant cost each month?
Get an instant estimate using current UK lender rates, then let us find you the real deal.
Ways to fund it
Hire purchase
Fixed monthly payments and you own the asset at the end. VAT deferral can help with the upfront cost.
Hire purchase →
Finance lease
A low upfront cost, with VAT paid on each monthly rental rather than upfront.
Finance lease →
Need working capital, a GGS-backed facility or funds for premises as well? See business loans.
Case study
£523k of Volvo FMX tippers and a grab lorry for UKAP
Cheshire tipper hire, grab hire and aggregates business UKAP is moving its fleet over to Volvo. We arranged finance for two Volvo FMX 8×4 tippers and a Volvo FMX 8×4 grab lorry, worth £523,000 plus VAT.
- Deposits from just £2,000 per tipper
- Tier 1 lender rates on all three trucks
- Paid out on schedule, with the trucks delivered and working straight away
Deposits and rates were specific to this customer and aren’t guaranteed for other applications.
Finance that fits construction
Payments around contracts
Structure deposits and payments around your work pipeline, including seasonal profiles for quieter winter months.
VAT deferral
Some lenders let you pay the VAT a few months in, once you’ve reclaimed it, protecting cash on big plant purchases.
New, used & auction
Finance on new and used plant from dealers, and in some cases auctions and private sellers.
Blog
Case Studies & Guides
Explore our latest case studies and finance guides.
Construction Finance FAQs
Can I finance a used digger or excavator?
Yes. Most lenders fund used plant from dealers, and some fund auction and private purchases. The age and hours of the machine at the end of the agreement affect which lenders we use.
Can a new construction business get plant finance?
Often, yes. Lenders look at the directors’ experience, any contracts in place and the deposit. A larger deposit or a director’s guarantee can help a newer business.
Do you finance tipper and grab lorries?
Yes. See our HGV & truck finance page and our UKAP case study.
Can I raise cash against plant I already own?
Yes. Asset refinance releases cash from machinery you own while you keep using it.
Can payments match my cash flow?
Some lenders offer seasonal or stepped payment profiles, and VAT deferral can reduce the upfront cost. We’ll tell you what’s available for your deal.
Are you a lender?
No. Boost Finance is a credit broker, not a lender. Boost Asset Finance Ltd is an Appointed Representative of EFT Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 667290). We work with a panel of lenders to find the right finance for you.
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