Finance for diggers that earn from day one.
Mini diggers through to 40-tonne crawler excavators. Funded across new, used, ex-demo and auction stock — for ground-workers, plant hire and main contractors.
Indicative rate may start at
7.9% APR
Deposit
0–10% typical on prime
Term
24–60 months
Typical ticket
£18k mini → £280k large
Specifics matter. Here's what's in scope.
Mini excavators (1–3t)
Kubota KX, Bobcat E, JCB 8025/8030, Takeuchi TB, Volvo EC. The single-most-common asset we fund for trades and ground-workers.
Midi (3–10t)
Kubota U/KX, JCB 86/100C, CAT 305/308, Hitachi ZX, Hyundai HX. Sweet spot for utility and small-scale civils.
Full-size (10–40t)
JCB JS/JZ, CAT 320/330, Hitachi ZX240/350, Komatsu PC. Plus 6-wheel and tracked dumpers, materials handlers.
Zero-tail-swing
Urban-spec for tight working — Kubota KTS, JCB 67C, CAT 305E2 ZTS. Common in London civils work.
Attachments
Buckets (tilt, ditching, grading), breakers, augers, shears, magnets, quick-hitches. Often funded with host machine.
Used & auction stock
Up to 6 years old at start of 4-year term. Auction (Ritchie, Cheffins, Euro Auctions) supported with inspection report.
Three reasons excavators buyers finance.
Site work is project-by-project
Buying a £180k excavator outright ties up the cash you need for the next contract bond. Finance keeps the working capital working.
Resale values stay strong
Prime brand mini-excavators hold 60–70% of value after 5 years. Hire purchase makes sense — you own a sellable asset at the end.
Cash flow matches site billing
Most civils contracts are 30–60 day pay. Match the rental cycle to your billing rhythm so the asset pays itself off the back of the contract it's working.
From quote to excavators on the road.
Send the spec
Make, model, year, hours, dealer/auction reference, price. Photos help on used kit.
Plant lender match
We assess whether selected provider routes may be relevant to the asset and customer circumstances. Timing and any available terms depend on the proposed application.
Documents and delivery
Documentation, supplier payment and delivery timing depend on the supplier, provider requirements and final agreement.
Hire Purchase usually wins for excavators.
Hire purchase may be considered where an ownership-transfer structure suits the proposed asset and business plan. Capital-allowance treatment should be confirmed with an accountant or tax adviser.
Move from asset choice to a more informed funding discussion.
Monthly-cost calculator
Model indicative repayments and compare potential structures.
Run the numbersConstruction & Plant case study
See a real case study from the sector in which this asset is used.
Read the case studyConstruction plant finance guide
Read practical points on funding excavators, dumpers, telehandlers and attachments.
Read the guideExcavator Finance — what people ask.
Can I finance a digger from auction?
Yes — we have three lenders comfortable with auction stock from Ritchie Bros, Euro Auctions and Cheffins. You'll typically need an independent engineer's inspection report. We can issue a pre-approved facility before you bid.
What's the typical deposit?
Most ground-workers and plant hire businesses with 2+ years trading and clean credit place excavators on 0–10% deposit. New-start businesses usually need 15–25% with a personal guarantee.
Can I bundle a quick-hitch and buckets into the agreement?
Yes — attachments and ancillaries (buckets, breakers, quick-hitches) can be added to the host machine agreement, typically up to 25% of the chassis value.
Do I need to fit a tracker?
On machines over £25k, almost always — most plant lenders mandate CESAR-style or equivalent tracking. We can package the tracker subscription into the agreement.
Ready to fund your excavators?
Discuss the asset, your circumstances and suitable finance options with an experienced broker. Read our commission disclosure.
Asset finance hub
Explore the broader asset-finance hub for other equipment and finance structures.