Plant & Machinery Finance
From CNC and excavators to full production lines.
Hire-purchase, lease and refinance for new and used heavy plant — across construction, manufacturing, agri and recycling.
Ticket size
£25K – £10M
Turnaround
Decision in 48h
Capital partners
26+
Composes with
2 sectors
Key highlights
What sets this apart.
New & used
Soft & hard assets
Block discounting
The problem
Why this capability exists.
Manufacturer finance is rate-loaded by 200–400bps. Independent funders price plant on actual residuals, not list.
Our approach
- 01
Quote across the whole-of-market plant panel.
- 02
Refinance owned plant for working capital release.
- 03
Bundle multi-asset programmes for repeat buyers.
Outcomes you can expect
- Avg 240bps below dealer finance
- Same-day desktop valuation on common assets
- Multi-asset master facility option
Typical structures
How plant & machinery finance deals are commonly built.
Indicative structures we orchestrate across our capital partners. Final terms depend on borrower profile, asset and exit.
Hire Purchase / Lease
Asset-secured, balance-sheet or off-balance-sheet treatments.
Invoice Finance
Confidential or disclosed; advance rates 80–90% of debtor book.
Revenue-Based Finance
Repayments flex with monthly revenue — ARR or e-commerce backed.
Library OS
Live signal · stack ideas · audience fit.
Three modules that turn this capability page into an orchestration view, not a brochure.
Lender appetite right now
What our desk is seeing on this capability this week.
- up
Independent funder · Soft asset finance (tech)
Re-focusing on mid-ticket; sub-£25k routed to platform partners.
Min ticket lifted to £25k (was £10k)
- flat
Two clearing banks · Working capital RCF
Leverage covenants relaxed by 0.25x for £5m+ revenues with audited accounts.
Margins held; covenants softened
- down
Alt-fintech lender · Revenue-based finance
Second consecutive quarter of arrears uptick in casual dining cohort.
Pulled appetite for hospitality
Who this fits
Audience fit, scored from the brief.
SME founders & CFOs
100%
Working capital, growth funding, asset finance, invoice finance.
Property developers & investors
60%
Bridging, development finance, BTL portfolios, refurb-to-let.
Brokers & intermediaries
0%
Lender intel, criteria shifts, packaging playbooks.
HNW & family offices
0%
Structured credit, complex cases, cross-border, tax-efficient capital.
Composes well with
Stack ideas our desk has placed before.
BTL & Portfolio Lending
Portfolio refinances, SPV structures, mixed-use HMOs.
Commercial Mortgages
Owner-occupier and investment commercial property finance.
Unregulated & Commercial Bridging
Investment, refurb and exit bridges from £100K – £25M.
Re-Bridging Finance
Replace an expiring bridge before it defaults.
Test the fit
Two interactive tools, no credit footprint.
Score your eligibility and model the deal economics before you ever talk to us.
Eligibility quick-check
Get an instant indication.
Five quick questions. No credit footprint. We'll show you a fit score and what to do next.
- Can you identify the asset (make / model / serial / yard)?
- Will the asset be based / used in the UK or EU?
- Can you contribute 10%+ deposit?
- Trading entity 12+ months (or HNW personal balance sheet)?
- Will the asset be fully insured throughout the term?
0/5 answered
Answer to see your fit score
Scenario calculator
Model the deal.
Indicative only — final pricing reflects your actual lender quote.
Monthly
£7.1k
Total interest
£78k
Arrangement fee
£3.5k
Effective APR
8.45%
What happens next
Lender panel preview & document checklist.
Indicative lender match
Who we'd quote on day one.
Anonymised preview from our 90+ lender panel. Real allocations are tuned to your file.
- Asset Finance Bank LTier 1
HP / Lease
Indic. BoE +2.5%
- Specialist Marine House MSpecialist
Marine HP
Indic. 7.95% pa
- Aviation Finance Desk NSpecialist
Aircraft loan / lease
Indic. SOFR +2.7%
- Lombard Private OPrivate
Luxury Lombard
Indic. BoE +1.85%
- Plant & Yellow Goods PSpecialist
Heavy plant
Indic. 8.45% pa
- Fleet Lease QAlt
HGV / van fleet
Indic. 9.25% pa
Document checklist
What we'll need.
Indicative pack to get you a credit-quality answer in days, not weeks.
- Photo ID + proof of address
- Asset invoice / schedule / valuation
- 3 months personal & business bank statements
- Latest filed accounts (if business)
- Insurance binder confirming cover
- Yard / berth / hangar agreement (where applicable)
- Source of deposit evidence
FAQs
Frequently asked
The questions clients always ask.
Yes — including classic cars, fine art, marine and aviation. We use specialist Lombard and asset-house structures.
All three are available. We'll model TCO and tax position before recommending.
Yes — staged drawdowns against build certificates with the relevant specialist house.
5–10 working days for vanilla HP; 2–4 weeks for marine / aviation / luxury Lombard subject to valuation.
Short enquiry
Tell us about your plant & machinery finance requirement.
A specialist will respond within one business hour. No credit footprint.