Finance Solutions for
Groundworks Contractors
Flexible finance options to help groundworks contractors fund machinery, vehicles, and projects without straining cash flow.
5-star Excellent Service
Home » Industries »
Finance Solutions To Keep Your Earthmovers, Diggers And Projects Running
Groundworks contractors form the backbone of the construction industry. From site preparation and drainage installation to foundations and landscaping, their work sets the stage for every building project. Yet, while the services provided by groundworks specialists are indispensable, the financial pressures of running such businesses are considerable.
Groundworks contractors must cover significant upfront costs for machinery, labour, and materials while waiting for client payments that may take 60–90 days to arrive. This imbalance between outgoing expenses and incoming revenues creates one of the sector’s greatest challenges: cashflow management.
At MacManus Asset Finance, we help groundworks contractors overcome these hurdles with a suite of financial products designed for the industry. Our tailored solutions – including asset finance, invoice finance, business loans, and VAT loans – enable contractors to invest in equipment, unlock working capital, and spread tax liabilities while keeping projects on track.
Financial Challenges Facing Groundworks Contractors
Like many construction sectors, groundworks involves high upfront investment and delayed returns. Specific financial challenges include:
- Capital-Intensive Equipment – Excavators, dumpers, and trenchers require major investment.
- Unpredictable Cashflow – Clients may delay payments, leaving firms exposed.
- Seasonal Fluctuations – Demand may vary depending on project pipelines and weather conditions.
- High Wage Costs – Skilled labour must be paid promptly, regardless of client schedules.
- Tax Liabilities – VAT and corporation tax deadlines often clash with project commitments.
Without effective financial support, even well-managed contractors can find growth restricted.
Finance Solutions for Groundworks Contractors
At MacManus Asset Finance, we provide tailored financial products to meet these challenges.
Groundworks
Asset Finance
Heavy equipment is essential in groundworks, from excavators and trenchers to dumpers and rollers. Asset finance allows contractors to spread the cost of this machinery over 2–7 years, preserving cashflow while securing access to the equipment needed for projects.
Groundworks
Invoice Finance
Waiting months for client payments can leave contractors short of working capital. Invoice finance unlocks up to 90% of invoice value within days, providing immediate cash to cover wages, suppliers, and fuel. This facility ensures smooth cashflow even during periods of rapid growth.
Groundworks
Business Loans
Business loans provide lump-sum funding for expansion, working capital, or unexpected costs. With terms of 1–7 years, loans give contractors predictable repayments and flexibility to fund everything from new staff to depot expansion.
Groundworks
VAT Loans
VAT bills often arrive when cashflow is tight. VAT loans spread these liabilities over 3 months, helping contractors stay compliant with HMRC while protecting liquidity for ongoing projects.
Got more questions? We’re here to help!
Why Finance is Critical in Groundworks
Groundworks projects often operate on tight deadlines. Contractors must mobilise quickly, deploy heavy machinery, and maintain skilled teams while waiting for payments. Finance solutions ensure businesses can meet immediate obligations while pursuing growth opportunities.
By using finance strategically, contractors can:
- Preserve working capital.
- Take on larger contracts with confidence.
- Reduce financial stress caused by seasonal fluctuations.
- Maintain compliance with HMRC.
Case Example – Financing Excavators for a Groundworks Firm
A South Wales-based groundworks contractor required three new excavators to meet demand from a major housing development. At £85,000 each, the upfront cost of £255,000 was prohibitive.
By arranging asset finance over 5 years, the company secured the machinery immediately while preserving cash reserves for payroll and materials. The repayments were structured to align with project revenues, enabling sustainable growth.
Why Choose MacManus Asset Finance?
Groundworks contractors across the UK trust us for their finance needs because we offer:
- Industry Expertise – Over 25 years supporting construction finance.
- Wide Lender Panel – Access to multiple specialist providers.
- Tailored Facilities – Finance structured around project timelines.
- Fast Approvals – Funding arranged quickly to secure contracts.
- Ongoing Support – Long-term relationships built on trust.
Key Takeaways
Groundworks contractors play a vital role in construction, but financial pressures can hold businesses back. By using tailored finance solutions such as asset finance, invoice finance, business loans, and VAT loans, contractors can protect cashflow, invest in growth, and deliver projects with confidence.
At MacManus Asset Finance, we provide the expertise and lender access required to support groundworks contractors throughout the UK.
Groundworks Contractor
Excavators, dumpers, rollers, trenchers, and support vehicles can all be financed.
Up to 90% of invoice value can be released within 24–48 hours.
Yes, contractors can arrange VAT loans repeatedly as bills fall due.
Typically 1–7 years, depending on the facility.
No, both new and established firms can access tailored solutions.
Yes, many contractors use a mix of asset finance, invoice finance, and VAT loans together.
Ready to Move? Get Started with Groundworks 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.
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
