In construction, winning contracts gets all the attention - but what about the excavators, dumpers, and crushers needed to get the job done? That’s where asset finance comes in, yet many businesses overlook the range of options available.
It’s a familiar challenge: you need equipment to secure contracts, but you need contracts to afford equipment. And when work slows down in winter, unused machinery can become a costly burden.
Forward-thinking construction companies are leveraging asset finance to break this cycle - maximising their equipment’s value and driving sustainable growth.
From sole traders and small builders to prime contractors, every construction business has unique equipment requirements. Whether it’s a micro digger for a local project or large-scale quarrying machinery, our finance solutions are designed to support the full spectrum of the industry, ensuring you have the right tools to get the job done.
Here's what modern construction businesses typically need to finance:
Earth Moving & Heavy Machinery
Excavators
Articulated dumpers
Wheeled loaders
Skid steer loaders
Dozers
Piling rigs
Processing Equipment
Industrial crushers
High-capacity compactors
Conveyor systems
Screens
Construction Vehicles
Vans
Grab lorries
Tippers
HIABs
Specialist Equipment
Vacuum excavation units
Quarrying equipment
Aggregate processing machinery
This list is not exhaustive - if there’s an asset you need to finance that isn’t listed, contact us to find out how we can help
Equipment & Asset Finance
Business asset finance is more than just acquiring machinery - it's about structuring smart financial solutions that align with the unique demands of construction businesses. Every asset presents both opportunities and challenges, and the right funding approach can make all the difference.
Hire Purchase (HP): Ideal for essential, long-term equipment, allowing businesses to build ownership over time while maintaining steady cash flow.
Finance Lease: Provides immediate access to machinery without the long-term commitment, offering built-in flexibility.
Asset Refinancing: Unlocks working capital from existing assets, improving cash flow and payment terms to keep projects moving forward.
Property Solutions
As construction businesses expand, their needs go beyond just equipment finance. Commercial property finance supports critical infrastructure, including:
Operational bases
Storage facilities
Workshop spaces
Office premises
Long-term property investments
Development finance is essential for funding:
New building projects
Major renovations
Site preparations
Infrastructure development
Mixed-use developments
For businesses in need of quick property purchases, bridging loans provide rapid access to the funds required to seize opportunities without delay. Tailored solutions ensure construction and development companies can grow seamlessly, with the right property and space to support their evolving operations.
Cash Flow Solutions for Modern Construction Businesses
Construction businesses today require more than just equipment finance - they need strong working capital to fuel growth. Our business loan solutions provide funding for:
Expansion and growth
Working capital
Entry into new markets
Staff recruitment and development
Invoice finance offers a powerful solution to improve cash flow and unlock growth potential in the construction industry. By providing:
Immediate access to funds
Ongoing credit facilities
Project-based funding
Supply chain support
Invoice finance can be a real growth opportunity for businesses looking to scale. Many construction companies aren’t aware of these options, but they can provide the financial flexibility needed to take on more projects, manage cash flow efficiently, and support long-term growth.
Commercial Vehicle Finance
Our vehicle finance solutions are designed to support every aspect of your transport needs, including:
Commercial vehicles
Specialist transport
Fleet expansion
Transport upgrades
Whether you’re expanding your fleet or upgrading your vehicles, our tailored finance options ensure you have the right vehicles to keep your business moving forward.
The construction industry operates in natural cycles, and your asset finance needs should align with these patterns to optimise business performance:
Winter Considerations
Reduced workload
Equipment storage and maintenance opportunities
Effective cash flow management
Summer Peak Periods
Maximising equipment utilisation
Meeting increased capacity demands
Ensuring rapid response capabilities
Seizing growth opportunities
When selecting asset finance solutions, it’s essential to consider:
Seasonal and operational cycles
Strategic growth objectives
Current equipment portfolio
Working capital needs
Tax and accounting implications
Emerging market opportunities
Smart asset finance can deliver key advantages, including:
Preserving working capital
Maintaining a competitive edge
Accessing the latest technology
Supporting business growth
Managing tax efficiently
Building long-term resilience
Modern asset finance increasingly supports:
Digital control systems
Automation equipment
Energy-efficient machinery
Sustainable technologies
Environmental compliance solutions
Smart monitoring systems
These innovative solutions can help future-proof your business, ensuring you stay ahead in a rapidly evolving market.
Q: What types of assets can be funded?
A: We provide finance for a broad range of assets, including not only standard construction equipment but also site accommodation, welfare units, generators, light towers, and specialised attachments. Whether you're looking to finance new or used equipment, we've got you covered.
Q: How quickly can I access funding?
A: For standard equipment finance, we aim to get a decision from our lending panel within 24-48 hours. More complex arrangements may take a bit longer, but rest assured, we'll keep you updated on timelines every step of the way.
Q: What makes Charles & Dean different from a bank?
A: As independent brokers, we have access to an extensive network of lenders, allowing us to offer competitive rates and flexible terms that traditional banks may not provide. We specialise in the construction sector, meaning we truly understand your unique needs and can often structure deals that high street banks wouldn't consider.
Q: Can you help with seasonal payment structures?
A: Absolutely. We offer flexible payment schedules tailored to your cash flow, with reduced payments during quieter months and higher payments during peak seasons. This ensures your outgoings match your income, making it easier to manage finances year-round.
Q: What if we need to upgrade equipment mid-contract?
A: We can build flexibility into your finance agreements, allowing for equipment upgrades or additions as needed. This ensures you stay competitive without being tied to outdated machinery.
Ready to move forward? The first step in securing construction finance is speaking with a Charles & Dean Commercial Finance Specialist. Our brokers understand the unique challenges of the construction industry and can help identify the best financial solutions tailored to your needs.
Book a consultation to begin your construction finance journey.