DCF KNOWLEDGE CENTRE
Excavators & construction plant
Practical answers for UK limited companies. Explore the question closest to your purchase, funding need or agreement.
Read our plant & machinery finance guide →19 questions
Can I finance an excavator?
Potentially. New and used excavators can be considered, subject to the machine, supplier, business and lender criteria.
Read answer →Can I finance a used excavator?
Potentially. Age, hours, condition, value, seller and remaining working life are important to lender appetite and the available term.
Read answer →Can I finance used machinery?
Potentially. Lenders assess age, condition, value, provenance and remaining useful life. Older or specialist machinery may require more information or a valuation.
Read answer →Can I finance construction plant?
Potentially. Asset finance can be used for many types of construction plant, with the exact terms depending on the machine and business.
Read answer →Can buckets, breakers and other excavator attachments be financed?
Attachments may be considered with a machine or separately, but they need to be identifiable and acceptable to the lender.
Read answer →Can I finance a mini digger as my first machine?
A first machine may be considered, including for some newer businesses, if the application explains experience, work and repayments.
Read answer →Do operating hours matter more than age when financing an excavator?
Both matter, alongside service history, condition and market value; neither number gives the complete picture.
Read answer →Can I finance a site dumper or tracked dumper?
Dumpers may be considered as construction assets, with specification, condition and intended use relevant to the proposal.
Read answer →Can I finance a mobile crusher or screener?
These assets may be considered, but their value, condition, operating hours and specialised market often require detailed evidence.
Read answer →Can my groundworks business finance rollers and compaction equipment?
Eligible rollers and compaction equipment may be financed individually or within a broader plant purchase.
Read answer →Can I finance plant that I intend to hire out?
Plant-hire use needs to be disclosed and accepted by the lender; a standard agreement may restrict onward hire.
Read answer →Do I need permission to move financed plant between sites?
Routine movement may be allowed, but the agreement can impose location, insurance and overseas-use conditions.
Read answer →Can plant without a readable serial number be financed?
Missing identification can make finance difficult because ownership, provenance and the lender’s security need to be clear.
Read answer →Does used plant need a warranty to qualify for finance?
There is no universal warranty rule, but condition and expected working life remain important even where a warranty is available.
Read answer →Can I finance a machine I am currently hiring?
A purchase from the hire company may be considered if the seller can transfer title and the machine is acceptable to the lender.
Read answer →Can specialist demolition equipment be financed?
It may be considered, but bespoke specification, demanding use and a narrow resale market can affect terms.
Read answer →Can I finance a digger and its transport trailer together?
Possibly, but both assets and their individual values should be set out clearly.
Read answer →Can a limited farming company finance a used agricultural tractor?
Agricultural equipment may be considered where the lender accepts the asset, business and operating use.
Read answer →Can repayments on agricultural equipment reflect seasonal income?
Some lenders may consider structured payments, but seasonal schedules are not available on every asset or facility.
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