Construction equipment finance has its own rules
Construction businesses face challenges that general equipment lenders do not always understand. High-value assets, seasonal income, project-based revenue, and the physical demands on equipment all affect how finance should be structured.
Seasonal cash flow needs flexible repayments
Many construction businesses earn more in certain months and less in others. Standard fixed monthly repayments can create pressure during quieter periods. Some lenders offer seasonal repayment structures that align with your trading patterns. We find them.
Asset values are high and depreciation varies
An excavator holds its value differently to a crane, which holds its value differently to scaffolding. Lenders assess construction assets based on their specific depreciation curves and residual values. We know which lenders understand these differences.
Used and older equipment can still be financed
Construction equipment is built to last, and well-maintained used machinery can represent better value than buying new. Not all lenders finance older equipment, but some specialise in it. We identify lenders with appropriate age limits and terms.
Multiple assets, staggered replacements
Construction businesses rarely buy one piece of equipment in isolation. You might be replacing a truck this quarter, adding an excavator next quarter, and upgrading site sheds later in the year. We help you plan finance across multiple purchases.
Project-specific equipment needs
Winning a contract that requires specific equipment you do not currently own. The finance needs to move quickly, and the structure should account for the project timeline. We arrange finance with turnaround times that match your project deadlines.
Construction equipment finance for different needs
Earthmoving equipment
Excavators, bulldozers, loaders, graders, and compactors. High-value assets that are central to your operations. We finance both new and used earthmoving equipment with terms that reflect the asset’s value retention and your usage patterns.
Heavy vehicles
Rigid trucks, tippers, prime movers, trailers, and water carts. Heavy vehicle finance involves understanding registration, compliance, and the specific depreciation profiles of commercial vehicles. We work with lenders experienced in this asset class.
Cranes and lifting equipment
Tower cranes, mobile cranes, hoists, and forklifts. Crane finance is specialist, with values ranging from tens of thousands to millions. Lender familiarity with crane assets and their utilisation rates matters. We find lenders who understand this equipment.
Site equipment and temporary structures
Generators, compressors, site sheds, scaffolding, and temporary fencing. Lower-value but essential assets that keep your sites operational. These can often be bundled into a single finance facility for efficiency.
Attachments and accessories
Buckets, hammers, augers, and other attachments that extend the capability of your primary equipment. Attachments can often be financed alongside the primary asset or as separate smaller facilities.
