About Us

Plant Hire Finance UK:

Plant Hire Finance UK provides specialised financing solutions for equipment rental businesses, enabling them to acquire heavy machinery without significant upfront costs. Our services help plant hire companies expand their fleet, upgrade equipment regularly, and maintain healthy cash flow.

Available Finance Options

We offer four main financing structures:

Hire Purchase – Make regular payments and own the equipment at the end of the term
Leasing – Use equipment without ownership, with options to return, upgrade, or extend
Business Loans – Flexible borrowing for equipment acquisition
VAT Deferral Schemes – Spread VAT payments to ease initial costs

Finance Terms & Rates

Interest rates: From approximately 3.5%
Loan amounts: £10,000 to £500,000
Repayment terms: 12 to 84 months
Deposits: Typically small, particularly with hire purchase
Approval timeframe: Often 24-48 hours, depending on complexity

Key Benefits

Financial Flexibility

Preserve working capital for day-to-day operations
Predictable monthly payments for easier budgeting
Seasonal payment structures available to match revenue patterns
Potential tax advantages on payments

Equipment Coverage

New and used machinery eligible
Wide range covered: excavators, dumpers, forklifts, and smaller tools
Options to upgrade equipment as technology advances

Additional Services

Some lenders bundle maintenance and repairs
Insurance options available
Government-backed loan guarantees in some instances

Who This Helps

Plant Hire Finance UK serves equipment rental businesses that want to:

Expand their equipment inventory
Replace ageing machinery
Stay competitive without depleting cash reserves
Manage seasonal fluctuations in the construction and plant hire sectors

By removing the barrier of large upfront payments, our financing solutions support business growth and operational efficiency across the UK plant hire industry.

Grow Your Fleet

Add more machines without draining reserves, finance multiple units simultaneously, and build a diverse equipment portfolio.

Keep Up With Demand

Respond quickly to customer needs, avoid turning down profitable contracts, and maintain high utilisation rates.

Improve Cash Flow

Spread costs over manageable monthly payments, preserve capital for operational expenses, and balance income with predictable outgoings.

Reduce Upfront Costs

Start with minimal deposits, defer VAT payments where applicable, and eliminate large capital expenditures.

Stay Ahead of Competitors

Offer customers newer, better equipment, win more contracts with a superior fleet, and respond faster to market opportunities..

Sustainability

Committed to Keeping Your Business Moving

We don’t just arrange finance—we give you the cash flow confidence to keep projects on track, pay suppliers on time, and say “yes” to new opportunities, so your business keeps moving forward without interruption.

We Follow Industry-Leading Best Practices for Financial Services

What that means for you: