Plant hire finance that pays for itself on hire
Finance excavators, dumpers, telehandlers and access platforms for your hire fleet or your own jobs. Spread the cost over 12 to 84 months and pay as the machine earns, instead of tying up cash in a six-figure purchase.
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Illustration only, not an offer of finance. Plant Hire Finance is an introducer and does not set rates. Rates and terms are set by the lender and depend on your trading history, credit profile and the machine's age. Example machine prices are approximate.
- Borrow
- £10k – £500k
- Terms
- 12 – 84 months
- Finance
- HP, lease & refinance
- Equipment
- New & used
Hire purchase, lease or refinance?
The right structure depends on whether you want to own the machine, how long you'll keep it and how you handle VAT and tax. Here's how the four main types of plant finance compare.
| Compare | Hire purchase | Finance lease | Operating lease | Asset refinance |
|---|---|---|---|---|
| Best for | Machines you'll keep for years and want to own | Fast-depreciating kit you'll replace regularly | Short fleet cycles and keeping debt off the balance sheet | Releasing cash from machines you already own |
| Who owns it | You, after the final payment | The lender | The lender | You, with the machine as security |
| At the end | Machine is yours | Keep renting, or sell and share the proceeds | Hand back or upgrade | Loan repaid, machine stays with you |
| VAT | Usually paid upfront on the machine | Added to each rental | Added to each rental | Depends on structure |
| Learn more | Hire purchase | Finance lease | Operating lease | Refinance |
Tax treatment varies by business. Check capital allowances and VAT with your accountant before choosing.
Finance for every machine in the yard
From a single mini digger to a full fleet package, new or used, from dealers, auctions or private sellers.
From quote to machine on site
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Step 1
Tell us the machine
Share the make, model, price and supplier, or the budget for kit you haven't chosen yet.
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Step 2
We introduce a specialist broker
We pass your enquiry to our plant finance broker partner, who works with lenders that understand plant, including specialists for young businesses.
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Step 3
Get your options
The broker contacts you directly, talks through your options and handles the application with the lender.
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Step 4
Supplier paid, machine delivered
The lender pays the supplier directly and the machine starts earning on hire.
Built for people who run plant
Plant hire companies
Grow or refresh your hire fleet while keeping cash for wages, transport and repairs.
Contractors & groundworkers
Own the kit you use every day instead of paying hire rates on long contracts.
Landscapers & trades
Finance a first mini digger, dumper or trailer from £10,000.
Newer businesses
Shorter trading history or imperfect credit? Specialist lenders may still fund you, usually with a larger deposit or extra security.
We know the machines, not just the money
25+ years in plant hire. We understand plant, hire rates and how fleets earn, so we know what you need and who to introduce you to.
Used kit welcome. Used and auction machines can be financed, with age limits that vary by lender.
Fixed monthly payments. Many agreements have fixed payments you can match against hire income.
Multiple machines, one agreement. Batch several assets into a single fleet package.
Unlock equity. Refinance machines you own outright to free up working capital.
Get a plant finance quote
Tell us about the machine and your business. We'll pass your enquiry to our specialist broker partner, who will contact you about your options. It's free and there's no obligation.
Plant finance questions
Are you a lender or a broker?
Neither. Plant Hire Finance is a specialist plant hire finance introducer. We don't lend money, give financial advice or arrange finance. With your permission, we pass your enquiry to a specialist plant finance broker, who assesses your needs and arranges finance through their panel of lenders.
What types of plant finance are available?
The main options are hire purchase, finance lease, operating lease and asset refinance. Several machines can also be batched into one fleet finance package.
Can I finance used plant and machinery?
Yes. New and used equipment can both be financed, including machines from auctions and private sellers. Rates, terms and maximum machine age vary by lender.
Can a new business or one with poor credit get plant finance?
Often, yes. Some lenders specialise in businesses with a shorter trading history or less-than-perfect credit. Expect a higher rate, a larger deposit or extra security.
How quickly can plant finance be arranged?
It depends on the lender, the machine and how quickly your paperwork is ready. Our broker partner will give you a realistic timescale once they've seen your details.
How much deposit do I need?
Some agreements need no deposit beyond VAT. Others ask for 10% or more, depending on the machine, its age and your trading history.
Can I upgrade or return equipment before the end of the term?
Many lease structures include upgrade or early settlement options. The terms depend on the lender and agreement, and the broker will explain them before you sign.
More questions? Read our plant finance guides, including hire purchase or leasing and financing used and auction machines.
Plant Hire Finance is an introducer, not a lender or broker. We pass finance enquiries to Access Business Finance Ltd, FRN 667290. We may receive a fee for each introduction. Finance is subject to status and available to UK businesses only.