Finance Solutions for
Concrete Contractors
Flexible finance options to help concrete contractors fund mixers, pumps, vehicles, and equipment without tying up cash flow.
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Finance Solutions To Keep Your Concrete Mixers, Pumps And Projects Running
Concrete contractors are at the heart of the UK’s construction sector, delivering the materials and expertise that form the foundations of infrastructure, commercial developments, and residential housing. Yet despite strong demand, the industry is capital-intensive and exposed to cashflow pressures. From the high cost of specialist equipment and vehicles to fluctuating supplier prices and tight payment terms, financial challenges are part of daily operations.
At MacManus Asset Finance, we provide tailored solutions that enable concrete contractors to invest in their businesses while protecting cashflow. Our products — asset finance, invoice finance, business loans, and VAT loans — are designed to support contractors across the full spectrum of their operations.
The Challenges Facing Concrete Contractors
Green energy firms face distinctive pressures compared with other industries:
- Equipment Costs – Mixers, pumps, batching plants, and trucks require substantial upfront investment.
- Cashflow Gaps – Contractors often wait 60–90 days for client payments, while needing to pay suppliers and staff immediately.
- Fluctuating Demand – Workloads can vary seasonally or project by project.
- Tax Burdens – VAT and corporation tax liabilities add additional financial strain.
- Competitive Pressures – Winning contracts often requires upfront capacity investment.
Without specialist finance, these factors can make it difficult to expand operations, manage day-to-day costs, or seize new opportunities.
Asset Finance for Concrete Contractors
Asset finance is designed to make essential machinery more accessible. The process is straightforward:
Concrete mixers and pumps
Volumetric trucks
Batching plants
Specialist vehicles
On-site equipment and tools
By financing assets over 2–7 years, contractors gain immediate access to equipment while preserving capital for payroll, fuel, and operations.
Invoice Finance for Concrete Contractors
One of the biggest challenges contractors face is the gap between completing work and receiving payment. With clients often on 60-day terms, cashflow can become strained. Invoice finance solves this problem by releasing up to 90% of invoice value immediately.
This ensures contractors can pay suppliers, cover wages, and take on new contracts without waiting for clients to settle their bills.
Business Loans for Concrete Contractors
Some projects or expansions require lump-sum funding rather than asset-specific finance. Business loans provide unrestricted capital that can be used for:
Working capital injections
Expanding teams and capacity
Covering project mobilisation costs
Investing in new depots or facilities
Repayments are structured across 1–7 years, providing predictable costs and budgeting certainty.
VAT Loans for Concrete Contractors
VAT can present a major financial strain, especially when several large contracts complete in a single quarter. VAT loans, structured over three months, spread HMRC liabilities into manageable instalments.
This facility ensures contractors remain compliant while retaining working capital for day-to-day operations.
Case Example – Concrete Pumping Business
A concrete pumping company in the Midlands required £300,000 to replace two volumetric trucks. Paying upfront would have prevented the firm from meeting payroll during a busy summer period. By arranging asset finance over 5 years, the company secured new vehicles immediately while maintaining liquidity.
In addition, invoice finance was arranged on a rolling basis to cover client payments due on 90-day terms, ensuring consistent cashflow throughout the season.
The Four Core Finance Solutions for Concrete Contractors
At MacManus Asset Finance, we provide a suite of tailored products for concrete contractors:
Concrete Contractor
Asset Finance
Spread the cost of vehicles and machinery.
Concrete Contractor
Invoice Finance
Unlock cash tied up in unpaid invoices.
Concrete Contractor
Business Loans
Secure lump-sum funding for projects or growth.
Concrete Contractor
VAT Loans
Spread quarterly VAT liabilities over 3 months.
Got more questions? We’re here to help!
Why Choose MacManus Asset Finance?
We are trusted by concrete contractors across the UK because:
- Industry Expertise – Over 25 years supporting construction and related trades.
- Flexible Solutions – Facilities tailored to cashflow and project timelines.
- Wide Lender Access – Network of competitive providers.
- Fast Approvals – Funding arranged quickly to meet deadlines.
- Personal Service – Long-term relationships built on trust.
Key Takeaways
Concrete contractors are vital to the UK construction sector, but the financial challenges they face require tailored solutions. Concrete contractor finance from MacManus Asset Finance ensures businesses can invest in equipment, manage cashflow, and meet tax obligations while continuing to deliver high-quality work.
By partnering with us, contractors gain access to the funding they need to grow sustainably and confidently.
Concrete Contractor Finance FAQs
Yes, asset finance can cover new or second-hand assets.
Typically up to 90%, depending on the client base.
Yes, VAT loans can be used regularly to manage liabilities.
Yes, we provide facilities aligned to project timelines.
Ranges from £25,000 to several million, depending on requirements.
Often within days, ensuring projects are not delayed.
Ready to Move? Get Started with Concrete Contractor Finance Today
Tell us what you’re buying or what pressure you’re feeling on cashflow—we’ll map the quickest route to approval and a sensible monthly cost.
Apply online in minutes and get a decision within 24 hours.
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