Asset Finance for
Concrete Contractors
Acquire mixers, heavy equipment, and essential machinery with flexible repayment plans that suit your business needs.
5-star Excellent Service
Home » Industries » Concrete »
Acquire Concrete Mixers, Trucks And Other Heavy Machinery Without Straining Cash Flow
Concrete contractors depend on a wide range of heavy equipment to deliver projects efficiently. From volumetric trucks and batching plants to concrete pumps and on-site tools, the capital required to purchase and maintain this machinery is significant. For many contractors, paying upfront would deplete cash reserves needed for day-to-day operations.
Concrete contractor asset finance provides the solution. By spreading the cost of equipment over a fixed term, contractors can access the assets they need immediately while preserving liquidity. This makes asset finance a cornerstone of financial planning in the concrete sector.
Why Asset Finance Matters for Concrete Contractors
Concrete contracting is a capital-intensive industry. The right assets directly impact productivity, project capacity, and competitiveness. Yet contractors face challenges such as:
- High Equipment Prices – Volumetric trucks and pumps can cost hundreds of thousands of pounds.
- Rapid Depreciation – Equipment loses value quickly, making outright purchase a risk.
- Cashflow Pressures – Upfront costs reduce working capital for wages, fuel, and suppliers.
- Technological Upgrades – New machinery improves efficiency but requires investment.
- Competitive Tendering – Securing contracts often depends on demonstrating available capacity.
Asset finance enables contractors to overcome these challenges without compromising liquidity.
- OR CALL
- 0330 027 0433
What Assets Can Be Financed?
MacManus Asset Finance arranges funding for a wide range of equipment essential to concrete contractors, including:
Concrete Mixers & Volumetric Trucks
Essential for transporting and delivering materials on-site.
Concrete Pumps
Boom and line pumps for precise placement.
Batching Plants
For mixing large volumes efficiently.
Tipper Trucks & Support Vehicles
Transporting aggregates, sand, and materials.
On-site Equipment
Compactors, drills, and ancillary machinery.
Technology & IT
Specialist software and control systems.
New or used assets can be financed, giving contractors flexibility across budgets.
How Concrete Contractor Asset Finance Works
The process of arranging asset finance is simple:
Choose Equipment
Contractor selects the machinery required.
Finance Agreed
Lender provides funding, covering part or all of the cost.
Regular Repayments
Payments spread across 2–7 years.
Ownership Options
Contractors can own the asset at the end of the term or return/upgrade depending on the agreement.
This structure allows contractors to use revenue generated by the equipment to cover its cost over time.
Benefits of Asset Finance for Concrete Contractors
Preserve Cashflow
Avoid large upfront costs.
Access Equipment Immediately
Essential machinery secured without delay.
Flexible Terms
Repayments aligned with project timelines.
Ownership Options
Choice between hire purchase, lease, or refinance.
Tax Benefits
Potential allowances available on financed assets.
Support Growth
Increase capacity to take on larger contracts.
Why Asset Finance is Effective for Contractors
Unlike loans, which provide unrestricted capital, asset finance is tied directly to specific equipment. This makes it easier to secure funding because lenders see value in the asset itself. For contractors, this means faster approvals and more competitive terms.
Asset finance also spreads the risk of depreciation, ensuring companies avoid locking up capital in machinery that may lose value quickly.
Case Example – Volumetric Truck Finance
A contractor in Birmingham required two new volumetric trucks to meet demand from a motorway project. Each truck cost £175,000. Rather than pay £350,000 upfront, the company arranged asset finance over 6 years, aligning repayments with contract revenues. This enabled them to expand capacity immediately while preserving reserves for payroll and supplier payments.
Why Choose MacManus Asset Finance?
Contractors across the UK choose us for asset finance because we offer:
- Industry Knowledge – Over 25 years supporting construction finance.
- Wide Lender Access – Multiple providers offering competitive rates.
- Tailored Structures – Solutions aligned to contractor cashflow.
- Fast Approvals – Funding arranged quickly to secure equipment.
- Long-Term Relationships – Ongoing support for future asset investments.
Key Takeaways
In an industry where equipment defines capacity and competitiveness, asset finance is vital for concrete contractors. Concrete contractor asset finance ensures businesses can access the machinery they need without compromising liquidity.
At MacManus Asset Finance, we provide flexible funding solutions that empower contractors to grow, compete, and deliver projects with confidence.
Concrete Contractor Asset Finance FAQs
Yes, both new and second-hand assets can be financed.
Terms range from 2–7 years depending on the asset and contract length.
With hire purchase, yes. Leasing offers upgrade or return options.
Yes, refinancing releases cash tied up in owned assets.
No, SMEs and independents also benefit significantly.
Often within days, ensuring projects are not delayed.
Your Outsourced Business
Finance Partner
We analyze your business profile to match you with
the right finance—fast and fee-free.
- See our reviews on
- Trustpilot
