Share the make, model, year, hours, condition, service history, warranty and supplier details so the asset can be assessed properly.
Construction equipment finance
Finance new or used construction plant and machinery while keeping cash available for your next contract.
New or used equipment. Share the supplier price and when it needs to be on site.
Spread the cost of excavators, telehandlers, dumpers and other construction plant without tying up the cash your next contract needs elsewhere.
Construction equipment you can financeConstruction equipment you can finance
- Excavators and diggers
- Dumpers and site transport
- Telehandlers and access equipment
- Compaction equipment
- Attachments
- Site plant and welfare units
- Plant hire fleets
- Excavators and diggers. Mini, midi and full size excavators for groundworks, demolition and site clearance.
- Dumpers and site transport. Swivel skip and straight skip dumpers for moving muck and materials around site.
- Telehandlers and access equipment. Telehandlers, cherry pickers and scissor lifts for lifting and working at height.
- Compaction equipment. Rollers, plate compactors and wacker plates for groundworks and surfacing.
- Attachments. Buckets, breakers, augers and grabs, funded alongside a machine or on their own.
- Site plant and welfare units. Generators, site cabins, welfare units and lighting towers for live sites.
- Plant hire fleets. Single replacement machines, fleet additions or several assets in one proposal, subject to lender requirements.
If the equipment you need is not listed, ask. The question is whether it has a clear business use and a sensible working life, not whether it fits a category.
Finance for used plant and heavy machinery
Used excavators, telehandlers, loaders and other construction machinery may be financed where the asset, supplier and remaining working life meet lender requirements.
Leasing can spread the cost around the expected use of the machine. Hire purchase may suit equipment the business intends to own.
Finance may support a replacement machine, additions to a hire fleet or several assets under one proposal, depending on lender requirements.
Buying through a dealer, auction or private seller? Read our used construction equipment finance guide, then share the asset and supplier details before you commit, because the available route can differ.
Hire purchase or leasing for construction equipmentHire purchase or leasing for construction equipment
Equipment Leasing
Access the assets your business needs with repayments shaped around use.
Hire Purchase
Spread the cost of essential equipment while working towards ownership.
Not sure which route fits? Compare your finance options.
Applying for construction equipment finance
The lender needs to understand the plant, the supplier and how it will earn across the term.
Model, age, hours, buckets, breakers, delivery and warranty all belong in the quote.
We compare lenders that understand plant values, contract work and seasonal cash flow.
The supplier is paid once the machine, invoice and delivery are confirmed, ready for the next job.
Sell construction equipment yourself? See how we can help you offer finance to your customers.
Before you order: equipment checklist
What should the equipment quote include?
Ask for the make, model, age, hours and price, plus any attachments, transport and warranty. For used machinery, include the condition and available service history.
Will it be ready for the next job?
Confirm delivery, site access, attachments and operator requirements with your supplier. Tell us your required date and any supplier payment deadlines at the outset.
Replacing an asset or releasing funds?
If you are part-exchanging equipment or exploring refinance, tell us what you already own and whether finance is outstanding. This helps frame the right conversation.
Construction finance calculator
Plant finance is shaped by the machine as much as the business: make, model, age, hours, attachments, supplier and expected working life all affect the lender route.
We compare lenders that understand used values, contract work and seasonal cash flow, then set the deposit and term against how long the equipment should keep earning.
For plant and machinery over £100,000, call us on 01279 744159 so a specialist can review it directly.
Construction finance calculator
Adjust the amount, term and deposit for an illustration. Our team can explain the options for your construction equipment.
Start with these figures
Offer finance to your customers
A mini excavator or a new attachment is a five figure decision. The moment a customer hesitates, embedded finance turns that hesitation into a signed order, without you chasing paperwork or explaining rates you didn't set.
Quotes and applications
Your customer sets their own term and deposit on a £35k mini excavator, then pushes the quote to proposal themselves. No back and forth over price.
Decisions and documents
Auto acceptance and e-sign mean a groundworks contractor can be approved before they're back on site. No calls, no chasing signatures.
Application updates
See when an agreement is ending and what a customer could borrow next, useful when it's time to upgrade them to a bigger machine or add an attachment.
Website integration
Plug Capra Connect straight into your own CRM or quoting system. No separate portal for your team to learn.
Finance for your equipment customers
Sell construction equipment? Put finance alongside your quote with Capra Connect. Your customer can adjust the deposit and term, then apply online.
Construction equipment finance FAQs
Straight answers on used equipment, attachments, trading history and what can be included.
Still have questions?Can I finance used or refurbished construction equipment?
Potentially. Lenders assess the machine's age, hours, condition, service history, supplier, warranty, value and remaining working life. Share these details before committing to the purchase.
Can I fund a full fleet rather than one machine?
Potentially. A proposal may cover several machines and attachments, although the structure depends on the assets, supplier, amount and lender requirements.
Do I need to have been trading for a certain time?
Lender appetite varies. Established businesses usually have more options. Younger businesses may be asked for a larger deposit, director support, forecasts or evidence of relevant experience.
Can I add equipment to an agreement later?
Additional equipment would normally require a new proposal or agreement. Where several purchases are planned, tell us early so the finance can be considered together.
What happens if I move sites or a contract ends?
Moving equipment between jobs is common, but the agreement and insurance requirements still apply. Tell the lender or broker about material changes so records remain accurate.
Can attachments and delivery be included?
They may be included where they appear on the supplier invoice. Availability depends on the lender, asset and how the supplier structures the purchase.
Is a service and maintenance package worth financing?
Ask for service and maintenance costs to be shown separately. Whether they can be included depends on the lender and how the supplier invoices them.
Can plant hire companies finance machinery?
Potentially. Finance may support a replacement machine, an addition to a hire fleet or several assets under one proposal. The available structure depends on the business, assets and lender.
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Soft and Hard assetsEquipment & vehicles
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Discuss construction equipment finance
Tell us about the machinery you need, its cost and when it needs to be on site. We’ll explain the finance options for your business.