Spread the cost of construction equipment from £5,000 to £500,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.
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🇬🇧UK-based advisors
Typical cost range
£5,000 – £500,000
Average: £85,000
Finance available
HP · Lease · Refinance
From 4.5% APR
Approval speed
24–48 hours
Same-day for < £100k
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Finance Options for Construction Equipments
Hire Purchase (HP)
RateFrom 4.9% APR
Term12–84 months
Deposit10–20%
OwnershipYours at the end
Best for: Construction firms wanting to own equipment outright
Finance Lease
RateFrom 4.5% APR
Term12–84 months
DepositNone required
OwnershipReturn or buy (balloon payment)
Best for: Tax-efficient — claim 100% of payments against profit
Operating Lease
RateFrom 5.2% APR
Term24–60 months
DepositNone required
OwnershipReturn at end
Best for: Keep your plant fleet modern. Off balance sheet.
Construction equipment qualifies for Annual Investment Allowance (AIA), letting you deduct the full purchase cost from taxable profits in year one — up to £1,000,000. HP agreements allow capital allowances. Lease payments are typically fully deductible from profits.
UK Construction Equipment Market
The UK construction equipment market is worth £5.8bn annually. Over 300,000 items of construction plant are in use across the UK. The sector is expected to grow 4.2% year-on-year through 2027, driven by major infrastructure projects.
Frequently Asked Questions
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