FINANCE OPTIONS

Asset Finance for Construction - Get a Quote

Asset finance for construction allows businesses to acquire necessary equipment while managing cash flow efficiently. Explore how options like hire purchase and operating leases can help maintain flexibility in funding critical projects.

Asset Finance

Secure up to £1,000,000 in Asset Finance with Funding Agent.

  • Fastest and easiest application process
  • Dedicated support
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
Apply Now
Cloud

What are the benefits of Asset Finance for Construction?

Leverage asset finance to access essential construction equipment without large upfront costs, preserving your working capital. Enhance your operational capacity with funding solutions tailored to the construction sector.

black tick in a green circle
Improved cash flow
black tick in a green circle
Access to latest equipment
black tick in a green circle
Flexible financing options

SCALE YOUR BUSINESS TO NEW HEIGHTS

play button
cloud
200+
Providers
building
building
building
buildingbuilding

What are the different types of Asset Finance for Construction?

Hire Purchase

With hire purchase, UK SMEs with a solid trading history can acquire machinery with flexible terms from 12 to 60 months, making it easier to plan budgets around construction projects.

Hire Purchase

Hire purchase agreements are ideal for acquiring assets like excavators, as they allow businesses to manage cash flow effectively over the predetermined term, often with competitive interest rates ranging from 3% to 8% APR.

Finance Lease

Finance leases provide UK construction firms with a means to lease high-value equipment over longer terms, typically 24 to 72 months, while focusing on heavy-duty machinery without ownership complexities.

Finance Lease

This option enables firms to align lease payments with project timelines, maintaining financial stability by avoiding upfront costs, and is particularly suitable for leasing cranes and bulldozers.

Operating Lease

Operating leases cater to the need for flexibility, offering short-term leasing options of 6 to 36 months, ideal for seasonal or project-specific equipment use.

Operating Lease

These leases support short-term project needs, ensuring firms can utilize equipment like pavement rollers efficiently during peak periods without long-term commitments.

Typical Funding Journeys on Funding Agent

Submit your funding request
Our platform enriches your application using business data
Your request is matched to suitable lenders
Receive offers and proceed with the best option

What is Asset Finance for Construction?

The Application Process

The application for asset finance generally requires a thorough submission, including comprehensive financial statements and business plans, ensuring you meet eligibility criteria.

Borrowing Capacity and Rates

Compliance with the Financial Conduct Authority regulations guarantees that all asset finance agreements protect consumer interests and adhere to financial conduct rules.

Borrowing Capacity and Rates

Understanding your borrowing capacity involves considering business credit scores and asset types, with rates typically between 3% to 9% APR, influenced by these factors.

Get Funding For your business

Generate offers
Cta image

Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
building

Get A Clear Overview of Cost Effective Lenders

Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

How much can I borrow for construction equipment?
What is the decision time for asset finance?
What interest rates apply to asset finance?
What are the eligibility requirements for hire purchase?

DIVE DEEPER

June 24, 2025

What Is Asset Finance?

Learn what asset finance lending is, how it works, key benefits, stats on SME usage, and whether it's right for your UK business.
July 24, 2025

How Asset Finance Can Boost Cash Flow for Your Business

Discover how asset finance unlocks cash flow, tax perks and growth for UK SMEs. Sector-by-sector guide with links to Funding Agent’s asset-finance hubs.
April 10, 2025

Top Asset Finance Lenders in the UK

Discover the UK’s top asset finance lenders, hire purchase, leasing & sale & leaseback solutions that let you invest in essential equipment without hefty upfront costs.

We Like To Keep Things Simple

Match with
150+
Lenders
heart
Expert helpstarstar
200+ Provider
Loans from
£1000
to
£1m

zero hidden fees

underline

Extra bits you might find useful..

Apply now