Spread the cost of plant hire equipment from £10,000 to £500,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.
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Typical cost range
£10,000 – £500,000
Average: £75,000
Finance available
HP · Lease · Refinance
From 4.5% APR
Approval speed
24–48 hours
Same-day for < £75k
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Finance Options for Plant Hires
Hire Purchase (HP)
RateFrom 4.9% APR
Term12–72 months
Deposit10–20%
OwnershipYours at the end
Best for: Plant hire companies wanting to own assets outright
Finance Lease
RateFrom 4.5% APR
Term12–72 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 hire fleet current. Off balance sheet.
Popular Plant Hire Models & Costs
JCB 3CX Backhoe£65,000 – £90,000Backhoe Loader
Kubota U55-4 Mini Excavator£35,000 – £50,0005.5t Mini Excavator
Wacker Neuson DW60 Dumper£28,000 – £40,0006t Site Dumper
Plant and machinery 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 gives access to capital allowances on owned assets. Lease payments are fully deductible from taxable profits.
UK Plant Hire Market
The UK plant hire industry is worth £6.5bn annually and employs over 40,000 people. There are approximately 4,000 plant hire companies in the UK. Average fleet utilisation rates are 65–75%, with the top-performing firms achieving over 80%.
Frequently Asked Questions
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