Excavator working on a construction site

FCA-regulated broker · UK businesses

Plant & machinery
finance, sorted.

Spread the cost of the equipment your business relies on — from a single excavator to a production line.

Excavators & loaders
CNC & manufacturing
Agricultural machinery
Workshop equipment

Finance subject to status. Broker, not a lender.

Your asset. Your next step.

Plant and machinery asset finance can help you acquire new or used equipment while retaining cash for day-to-day trading. The lender will consider the asset's age, condition, value and expected working life alongside your business finances.

Hire purchase

Spread payments over an agreed term, with ownership after all payments and any purchase fee. Useful when you intend to retain the machinery.

Finance lease

Pay to use the equipment while the lender retains legal ownership. Rentals and end-of-term arrangements are set out in the agreement.

Existing equipment

Refinance may release capital against eligible machinery you already own. Valuation and any outstanding finance affect the amount available.

No paperwork to start

A rough idea is enough.

You can enquire before you have chosen an asset. Documents may be requested later, depending on the lender.

Get my quote

Asset quote or specification
Useful if you have one; a description and approximate price are enough to enquire.
Business details
Your trading name and contact details. Registration information may be needed later.
Recent bank statements
A lender may ask for these later. Do not send sensitive documents through the enquiry notes.

Your questions, answered.

Can I finance used plant or machinery?
Used equipment can be considered. Lenders assess age, condition, remaining useful life and resale value; older or specialist machines may need more supporting information.
Can I buy from an auction or private seller?
Potentially. The seller, invoice and ownership trail must be acceptable to the lender. Speak to a broker before committing to a purchase or auction deadline.
What affects my quote?
The asset price, deposit, term, business finances and lender assessment all influence the proposal. A quote request is not an approval or a credit search.
How long can I spread the cost?
Terms commonly range from one to five years, sometimes longer for high-value machinery. The lender sets the maximum term based on the asset's working life.
Do I need a deposit?
Not always. Some lenders may fund without a deposit, while others ask for one depending on the asset, your trading history and the overall proposal.
Can I include delivery or installation?
Some lenders may include associated costs such as delivery, installation or tooling. Tell us what is on the supplier invoice when you request a quote.

Finance for what moves your business.