Trustpilot
Car Finance

Specialists in Car Finance

We can get you closer to your dream car. Learn more about our financing options here.

Type of Car

sport-and-performance-cars-icon Sport & Performance
luxury-car-icon Luxury & Prestige
supercars-icon Supercars
classic-car-icon Classic & Motorsport
View All

Make of Car

porsche Porsche

Popular
ferrari Ferrari
land-rover Land Rover
lamborghini Lamborghini
bmw BMW
image@2x Mercedes-Benz
View All

Finance Solutions

HP Finance
PCP Finance
Lease Purchase
Refinance & Equity Release
LL Rework Why Use a Car Finance Broker in 2026 (3)
Car Finance 11 min read

Why Use a Car Finance Broker in 2026

Discover how a finance broker can help access competitive rates, tailored finance solutions, and expert guidance.

Read The Blog
Business Finance

Specialists in Business Finance

Unsure what you’re looking for? Find out what we offer in more depth here.

Asset Finance & Leasing
Hire Purchase
Finance Lease
Refinance & Equity Release
Property Finance
Property Development Finance
Commercial Mortgages
Investment Mortgages
Bridging Loans

Unsecured Finance

Unsecured Business Loans
Invoice Finance
Supply Chain Finance
Growth Guarantee Scheme (GGS)
Revolving Credit Facilities
Merchant Cash Advance
VAT Loans
Instant VAT Refunds

Popular
Corporation Tax Loans
L4
Business Finance 8 min read

Why Use a Commercial Finance Broker in 2026

Whether you're seeking assets, expansion or managing cash flow, a business finance broker can make all the difference.

Read The Blog
Sectors

Our Industry Sectors

We work with a variety of industries, choose yours to see how we can help.

Industries

tractor Agriculture
hospitality-1 Leisure & Hospitality
excavator-sharp-thin-1 Construction
manufacturing-and-engineering-1 Manufacturing & Engineering
truck-thin-1 Commercial Vehicles
transport-and-logistics-1 Transport & Logistics
food-and-beverage-1 Food & Beverage
utilities-and-waste-1 Utilities & Waste
buildings Commercial Property

Popular Finance Solutions

Hire Purchase
Finance Lease
Unsecured Business Loans
Refinance & Equity Release
GGS Guide (1)
Business Finance 9 min read

Complete Guide to the Growth Guarantee Scheme (GGS)

Access loans up to £2m with a 70% government guarantee.

Read The Blog
About Us

About Us

Who are Charles & Dean? Find out more about us here.

Company

Our Story
Contact Us
&Partner
Ambassadors
Brand Partners
Introducers
Become a Partner
&Supplier
Offer Supplier Finance

New

Our People

Careers

We're Hiring!
C&D Academy
Meet the Team
Fix Auto Partnership Announcement (4)
Partnership 3 min read

Introducing Our New Partnership with Fix Auto UK

Charles & Dean have partnered with Fix Auto to provide Franchise Partners with access to flexible, specialist funding.

Read The Blog
News & Resources

Latest News & Resources

Access useful guides and keep up to date with car and business finance with Charles & Dean.

Latest News

All News
Car Finance News
Business Finance News

Resources

Knowledge Hub

New
Industry Insights
Finance Guides
Calculators
Product Guides
C&D x FXE
Partnership 3 min read

A Strategic Collaboration with FXE Technologies

Charles & Dean has announced a strategic collaboration with FXE Technologies to license its Funding Xchange Marketplace.

Read The Blog
Get Your Quote
Home Business Finance Machinery Finance

Machinery Finance

Unlock growth with flexible machinery finance tailored to your business. Whether you’re investing in construction vehicles, manufacturing machinery or agricultural tools, spread the cost with affordable monthly payments and protect your working capital.

Apply now
Trustpilot
Finance That Fits Your Business drop-down-arrow

Fill out the form to request a callback

Please fill out this field.
Please choose an option.
£
Please enter an amount.
Call Us Now
checkmark

No Obligation Enquiry

checkmark

Tailored Broker Support

checkmark

Enquire in Minutes

checkmark

Wide Panel of Lenders

Key Takeaways

We know you’re busy, so we’ve put an overview together for you

  • Finance new or used machinery with competitive rates and flexible terms
  • Access leading UK lenders through our expert broker network
  • Preserve cash flow by spreading costs over manageable monthly payments
  • Bespoke solutions including hire purchase, leasing and refinance options

How Does Machinery Finance Work?

Let's take a look at how Machinery Finance works step by step

excavator-sharp-light-full

Choose Your Machinery

Tell us what your business needs, from heavy plant to specialist machinery. We can finance both new and used assets across a wide range of industries.

clipboard-list-sharp-light-full

Agree Your Finance Terms

We source tailored quotes from our lender panel, helping you secure competitive rates, flexible repayment terms and a structure that suits your cash flow.

coins-sharp-light-full-1

Receive Funding & Use

Once approved, funds are released quickly so you can acquire your machinery and start using it immediately, while spreading the cost over time.

Is Machinery Finance Right For You?

Machinery finance is ideal for businesses looking to invest in essential assets without tying up large amounts of capital. It allows you to scale operations, improve efficiency and stay competitive, while maintaining healthy cash flow and budgeting certainty.

Get a Quote

This solution might be right for you if...

circle-check-sharp-solid-full-green

You need to invest in machinery without large upfront costs

circle-check-sharp-solid-full-green

You want predictable monthly repayments for budgeting

circle-check-sharp-solid-full-green

You’re looking to upgrade or replace existing machinery

This solution might not be right for you if...

hexagon-xmark-sharp-solid-full

You prefer to pay upfront and avoid interest costs

hexagon-xmark-sharp-solid-full

Your business has irregular or uncertain income

hexagon-xmark-sharp-solid-full

The asset has a very short usable lifespan

Charles & Dean does not provide financial advice. Please consult your accountant or financial adviser before making a decision.

Image Step

Our Funding Process

  • 1

    Discuss Your Funding Requirements

    Talk to one of our Finance Specialists to help us better understand your goals.

  • 2

    Receive a Solution

    Choose a bespoke funding solution proposed by our team and send over the required documents for our lenders.

  • 3

    Get Your Funding

    Once your finance is approved, we work with you and the lender to ensure you can access your funds as soon as possible.

Get a Quote

What To Do Next

clipboard-list-sharp-light-full

Get a Quote

Fill in the form at the top of the page and one of our team will call you back in as little as 10 minutes to discuss your quote.

Go to Form
phone-sharp-light-full-1

Call Us Now

Our Finance Specialists are available and happy to help you 9am-5:30pm Monday to Friday.

01780 763836
circle-question-sharp-light-full

Read Our FAQs

Still have questions about Machinery Finance? We may have the answer within our FAQs.

Go to FAQs

Why Use Charles & Dean

Why should you choose us to help with Machinery Finance

Why Us 1

Access to Specialist Lenders

We work with a wide panel of trusted UK lenders, giving you access to competitive rates and flexible machinery finance options tailored to your business needs.

Why Us 2

Expert Support Throughout

From initial enquiry to funding completion, our experienced team supports you every step of the way, ensuring a smooth and efficient process.

Why Us 3

Bespoke Finance Solutions

Every business is different. We structure machinery finance around your goals, cash flow and growth plans to deliver a truly tailored funding solution.

Our FAQs

Common questions about Machinery Finance answered. If you have a question and you can’t see it listed, please call us on 01780 763836 and one of our team will be able to help you.

What is machinery finance and how does it work?

Machinery finance allows businesses to spread the cost of assets over time. You make fixed monthly payments while using the machinery, rather than paying upfront.

What types of machinery can be funded?

Typical assets we can finance include:

  • Aggregate & Quarry Machinery
  • Asphalt & Concrete Machinery
  • Cranes, Dozers, & Excavators
  • Forklifts, Telehandlers, & Telescopic Handlers
  • Dumpers, Rollers, & Pavers
  • Skidsteer Loaders & Trenchers
  • Mining Equipment & Crushers
  • Generators & Light Towers
  • HGVs & Trailers
  • Site Plant & Attachments
  • Toilet & Shower Blocks
  • Tractors & Agricultural Machinery

Can I finance used machinery?

Yes, many lenders offer finance for both new and used machinery, subject to age, condition and valuation of the asset.

How long are machinery finance agreements?

Terms typically range from 1 to 7 years, depending on the asset type, cost and your business requirements.

Will I own the machinery at the end of the agreement?

With options like hire purchase, you can own the machinery after the final payment. Leasing options may differ depending on the agreement structure.

Can I refinance my existing machinery loans?

Can I refinance my existing machinery loans?Yes, we offer refinancing options to help you unlock the value of your current assets. Refinancing can provide much-needed capital to reinvest in your business or cover other financial needs.