Specialist Finance

Excavator Finance

Finance for excavators of all sizes from all major manufacturers. Hire purchase, lease, and operating lease options with quick decisions for time-sensitive purchases.

Plant Finance

The right finance for the right machine

Excavators are the backbone of construction, demolition, and earthmoving operations. Whether you are replacing an ageing machine, expanding your fleet, or equipping for a specific contract, finance lets you acquire the excavator you need without a major capital outlay.

We work with specialist plant finance lenders who understand excavator values, depreciation profiles, and operating costs. This means competitive rates, realistic residual values on lease deals, and fast decisions when you need to move quickly on a machine.

24hrs

Typical Decision

All

Sizes Available

New

And Used Machines

Flexible

Deposit Options

Finance Options

Flexible excavator funding

All Sizes Funded

From compact 1-tonne mini-excavators to 50-tonne+ tracked machines. Whatever the project demands, we source finance for excavators at every scale.

All Major Manufacturers

CAT, Komatsu, Hitachi, Volvo, JCB, Kubota, Takeuchi, and more. We finance excavators from all leading manufacturers, both new and used.

Hire Purchase

Fixed monthly payments with ownership at the end of the agreement. Claim capital allowances and build equity in the machine from day one.

Finance Lease

Use the excavator for the full lease term with a secondary rental period or sale at the end. Off-balance-sheet treatment may be available depending on your accounting framework.

Operating Lease

Lower monthly costs with the excavator returned at lease end. Ideal for short-term projects or businesses that prefer to upgrade equipment regularly.

Quick Decisions

Equipment opportunities do not wait. Our specialist plant lenders provide fast credit decisions, often within hours, so you can secure the machine before someone else does.

The Process

How it works

Share Machine Details

Tell us the excavator you want - make, model, age, hours, and supplier quote. For used machines, we can advise on fair market value.

Receive Options

We present hire purchase, lease, and operating lease options with clear monthly payments, deposit requirements, and total cost comparisons.

Fast Approval

Specialist plant lenders make fast decisions. Most applications are approved within 24 hours, with same-day approvals for established customers.

Start Working

Once approved, we settle with the dealer and you take delivery. The excavator is earning from day one while you spread the cost.

Ready to finance your excavator?

Share the details of the machine you need and we will provide a competitive quote. Fast decisions, flexible terms, all manufacturers.

Get a Quote Discuss Your Needs

FAQs

Frequently asked questions

What is specialist finance?

Specialist finance covers funding for assets and sectors that sit outside mainstream lending - agricultural machinery, construction plant, commercial vehicle fleets, equestrian property, farm diversification and similar. Lenders in this space understand the asset and the industry, not just a credit score.

What assets can be financed?

New and used agricultural machinery, tractors, diggers and excavators, HGVs and trucks, vans and fleet vehicles, farm equipment, livestock facilities, equestrian buildings and land - essentially any identifiable income-producing or business-critical asset.

How is specialist finance structured?

Most commonly as hire purchase (you own the asset at the end) or finance lease (lender retains title and leases to you). Refinance and sale-and-leaseback options are also available to release capital from assets you already own.

What deposit and term applies?

Typical deposits are 10-20% of asset value. Terms run from 2 to 7 years depending on the asset's useful life and your preferred cash flow. Balloon payments can be structured in where helpful.

Can startups or new ventures access specialist finance?

Yes - specialist lenders routinely fund new-entrant farmers, newly-incorporated transport operators and first-time business asset buyers. Strong industry experience, a viable business plan and a reasonable deposit typically carry more weight than company trading history.

Related finance

Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.