Excavator & Plant Machinery Finance
Whether you’re a groundworker adding a mini digger, a plant hire company growing its fleet, or a farm or utility contractor replacing a machine, Boost Finance arranges plant finance with lenders who know plant values. We fund new and used machines from dealers, and in some cases auctions and private sellers, with deposits and payments shaped around your work.
Plant we finance
Excavators & diggers
Micro, mini, midi and large tracked excavators, wheeled excavators and backhoe loaders.
Earthmoving & site plant
Dumpers, rollers, dozers, wheel loaders, telehandlers and skid steers.
Processing & attachments
Crushers, screeners, breakers, buckets, tilt rotators and GPS machine control.
Finance calculator
What would a digger 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.
Plant finance
What plant lenders look at
- The machine: make, model, age and hours
- Where you buy it: dealer, auction or private sale
- Your business: experience, contracts and trading history
- The deposit: usually from around 10%, sometimes less for strong applications
Building a hire fleet? Lenders who understand plant hire look at utilisation and hire rates as well as your accounts.
See also construction finance and vacuum excavator finance.
Finance that fits plant
Seasonal payments
Lower payments in quieter winter months, with some lenders.
VAT deferral
Pay the VAT a few months in, once you’ve reclaimed it, with some lenders.
Plant hire fleets
Finance for single machines or whole fleets, including refinancing machines you own.
We arrange finance on machines from JCB, Kubota, Hitachi, Komatsu, Volvo, CAT, Takeuchi, Develon, Case, Bobcat, Manitou, Thwaites and others. Boost Finance is an independent credit broker and is not affiliated with or endorsed by any manufacturer.
Blog
Case Studies & Guides
Explore our latest case studies and finance guides.
Plant & Excavator Finance FAQs
Can I finance a used digger?
Yes. Used machines from dealers are widely financed, and some lenders fund auction and private purchases. The age and hours at the end of the agreement decide which lenders we use.
Can I finance a machine bought at auction?
Some lenders do, usually with the finance agreed before the sale. Talk to us before you bid.
Do you finance mini diggers for sole traders?
Yes. We work with lenders who finance sole traders, partnerships and limited companies.
Can attachments be included?
Yes. Buckets, breakers, tilt rotators and machine control can usually go on the same agreement.
Can I raise cash against plant I own?
Yes. Asset refinance releases cash tied up in machinery you already own.
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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