New excavators
Dealer-supplied compact, midi and larger excavators for construction, civils, utilities and groundworks.
Construction plant finance
Excavator finance for new and used machines.
DCF arranges asset finance for excavators and diggers purchased by UK limited companies, from compact machines to larger construction plant.
UK limited companiesEstablished 2011Independent broker
Finance around your business
Put the machine to work without paying the full purchase price upfront.
Whether you are replacing an excavator, adding capacity for a contract or buying your first machine, we can explore funding around the asset and your business.
New and used machines can be considered. Age, condition, value, supplier and expected working life influence the available term and structure.
Finance is subject to status and lender approval. Deposits, rates, terms and any guarantees depend on your business, the asset and the lender.
What we can help fund
The right asset for the work ahead.
Used excavators
Used machines can be considered where age, condition, value and remaining working life support the proposed finance.
Auction and specialist purchases
Auction purchases and less straightforward suppliers may be possible, but timing and lender approval should be checked before bidding.
Your funding options
Ownership or use. Understand the difference.
Hire purchase
Spread the purchase cost through an agreed repayment schedule. Ownership can pass to your business once all contractual payments and any option-to-purchase fee have been paid.
Ask us to set out the initial payment, monthly cost, fees and any final payment together, so you can compare the full commitment.
Finance lease
Your business uses the asset in return for rentals, while the finance provider retains ownership. End-of-term arrangements depend on the agreement and should be understood before you sign.
We can explain the initial rental, ongoing payments and the options available when the primary term ends.
Explore the detail in our hire purchase, finance lease and contract hire comparison and VAT on asset finance guide.
Make the purchase work
Look beyond the monthly payment.
Machine age and hours
Provide the year, hours, specification and condition. These can affect term and lender appetite.
Supplier and valuation
Dealer, auction and private-sale transactions are assessed differently. Lenders may require additional ownership or valuation evidence.
Deposit and VAT
Initial payment and VAT treatment depend on the agreement and lender. Plan these cash requirements before purchase.
Start with the essentials
What to send us.
A supplier quote or listing is a useful starting point. We will confirm which supporting documents the lender needs.
Start your enquiry- Supplier or auction quotation and purchase price.
- Make, model, year, hours and serial number where available.
- Company details and intended use of the machine.
- Preferred deposit and term.
- Accounts, bank statements or forecasts if requested.
A clear next step
How it works with DCF.
- 01
Send the machine details
Share the quote, specification and supplier.
- 02
Choose a structure
We explore hire purchase or finance lease with suitable lenders.
- 03
Complete approval
Provide the supporting information and satisfy lender conditions.
- 04
Put it to work
The lender pays once its completion requirements are met.
Your questions answered
Excavator finance: frequently asked questions
Can I finance a used excavator?
Yes, used excavators can be considered. Lenders assess age, condition, value, hours, seller and remaining useful life.
Can a new limited company finance an excavator?
Potentially. A lack of filed accounts does not automatically prevent asset finance. Director experience, deposit, contracts, bank statements, asset quality and guarantees may be relevant.
Can I finance an excavator bought at auction?
Potentially, but auction payment deadlines can be short. Seek finance approval before bidding wherever possible.
Can I finance an older excavator?
Possibly. The proposed term normally needs to make sense relative to the machine’s age, condition and remaining working life.
Can I refinance an excavator I already own?
Asset refinance may be possible depending on ownership, value and any existing finance.
Is HP or finance lease better for an excavator?
It depends on ownership plans, cash flow and available terms. DCF can explain the finance structure; your accountant can advise on tax and accounting treatment.
From the DCF knowledge centre
Common questions about excavator finance
- Can I finance a mini digger as my first machine?
- Do operating hours matter more than age when financing an excavator?
- Can buckets, breakers and other excavator attachments be financed?
- Can I refinance plant I already own outright?
Let’s talk about your next purchase
Bring us the plan. We will do the legwork.
Based in Kent and supporting limited companies across the UK. Tell us what you need and we will explore suitable lenders on our panel.
Direct Commercial Finance Ltd is a commercial finance broker, not a lender. Finance is subject to status and lender approval.