Tippers and grab lorries
Rigid tippers, tipper-grabs and construction vehicles for civils, waste, aggregates and related sectors.
Specialist commercial vehicle funding
Finance tippers and specialist trucks built for the job.
From tippers and grabs to refrigerated trucks and specialist suction excavators, DCF arranges finance for commercial vehicles where the body and mounted equipment matter as much as the chassis.
UK limited companiesEstablished 2011Independent broker
Finance around your business
Specialist trucks need the complete asset assessed.
A specialist commercial vehicle can combine chassis, body, hydraulics, refrigeration, lifting equipment or purpose-built machinery. Give us the complete specification so lenders can assess the vehicle as one working asset.
DCF has completed specialist transactions including a £447,500 German-built vacuum excavator funded on hire purchase with a 5% deposit and VAT deferral, with the supplier paid before the vehicle reached the UK.
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.
Refrigerated and specialist bodies
Temperature-controlled trucks, tankers, recovery vehicles and other specialist commercial bodies.
Vacuum excavators and purpose-built vehicles
High-value specialist machines where build location, supplier payment schedule and mounted equipment require additional planning.
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.
Chassis plus body
Provide the chassis and body specification, including mounted equipment and conversion costs.
Build and delivery schedule
Specialist vehicles may be built in stages or overseas. Supplier payment milestones need to be discussed before commitment.
Used specialist vehicles
Age, mileage, equipment condition, market value and remaining useful life influence lender appetite.
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- Full vehicle and body specification.
- Supplier or bodybuilder quotation.
- Registration, chassis number or identifying details where available.
- Build, conversion and delivery timetable.
- Deposit and VAT requirements.
- Company details and the work the vehicle will perform.
A clear next step
How it works with DCF.
- 01
Share the complete build
Send the chassis, body and equipment quotation.
- 02
Plan supplier payments
We identify lenders able to work with the build and delivery timetable.
- 03
Complete the application
Satisfy business, supplier and asset conditions.
- 04
Fund the specialist vehicle
Supplier payment follows the lender’s agreed completion conditions.
Your questions answered
Tipper and specialist truck finance: frequently asked questions
Can I finance a tipper truck?
Yes, new and used tippers can potentially be financed for UK limited companies, subject to the vehicle, supplier, business and lender criteria.
Can I finance a grab lorry?
Potentially. Provide details of the chassis, body, crane or grab equipment and supplier so the complete asset can be assessed.
Can refrigerated trucks be financed?
Potentially, yes. The chassis, refrigerated body and equipment should be clearly itemised.
Can an imported specialist truck be financed?
Potentially. DCF has completed funding for a German-built vacuum excavator before it reached the UK.
Can used specialist HGVs be financed?
Yes, subject to age, mileage, condition, value and lender criteria.
Can VAT be deferred on specialist vehicle finance?
VAT deferral can be available on some hire-purchase transactions subject to lender terms. DCF’s completed £447,500 vac-ex transaction included VAT deferral.
From the DCF knowledge centre
Common questions about tipper and specialist truck finance
- Can I finance a grab lorry with its crane and body?
- Can the chassis and truck body come from different suppliers?
- Has DCF financed a specialist truck built in Germany?
- Can I finance a refrigerated truck?
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.