Heavy Equipment Finance
Funding Solutions for Machinery, Plant & Equipment
Finance the Equipment Your Business Needs
Investing in heavy machinery and equipment can require significant capital, whether you’re replacing existing assets, expanding production or investing in equipment for a new project. Causon Business Finance helps businesses access flexible funding for high-value plant, machinery and specialist equipment without necessarily having to fund the full purchase upfront.
We can arrange finance for a wide range of assets, including manufacturing machinery, CNC equipment, construction and engineering plant, generators, materials handling equipment and production lines, as well as machinery purchased from overseas suppliers. With access to a panel of 25 lenders and a range of funding options, we can help find an approach suited to the asset, your business and your plans.
Our heavy equipment funding is available to a wide range of business users and we are here to support you every step of the way. Call us today on 01455 250 690 or send us an email.
Heavy Equipment & Machinery We Can Finance
Large-scale assets for construction, engineering, manufacturing, and industrial sectors
Businesses in manufacturing, engineering, construction and industrial sectors often need significant investment in equipment to maintain operations, increase capacity or take on new projects.
We can help fund large-scale asset purchases while allowing businesses to spread the cost and protect working capital for other operational needs.
Plant & machinery, CNC machine tools, printing machinery
Finance can be arranged for a wide range of plant and specialist machinery, including generators, CNC machine tools, industrial printing machinery, fabrication equipment and other production equipment.
Whether you’re purchasing new or used machinery, building a hire fleet replacing existing equipment or investing in new technology, we’ll help you explore a funding structure suited to the asset and your business.
Materials handling equipment, production lines, textile machinery
From materials handling equipment to complete production lines, businesses often need significant investment in the equipment that keeps operations moving.
We can arrange funding for production machinery, materials handling systems, textile machinery and other specialist business equipment, helping businesses invest in capacity and efficiency without necessarily committing substantial working capital upfront.
Equipment from overseas suppliers
Purchasing machinery from overseas can create a funding gap between the equipment being ready at the factory and arriving in the UK ready to work. Many traditional funding options require the equipment to be in the UK and operational before finance can be released.
We can help bridge this gap with funding facilities designed for overseas equipment purchases. We can also provide foreign exchange services alongside the purchase, helping businesses secure competitive GBP exchange rates when paying overseas suppliers.
“We have used Causon Business Finance for many finance agreements over 20 years, for commercial plant and machinery and vehicle purchases. Excellent help and advice throughout. We would highly recommend this company.”
Univeral Fabrications, Midlands-based Manufacturer
Finance Options for Funding Heavy Equipment & Machinery
There’s more than one way to finance heavy equipment and machinery, and the right option will depend on your business, the asset you’re investing in and your individual circumstances.
At Causon Business Finance, we take the time to understand your business, your plans and what you need from the finance. We can then talk you through the available options, from hire purchase and leasing to business loans and asset refinance, helping you find a funding solution that works for your business.
Hire Purchase (HP)
You pay monthly instalments and own the asset at the end if you pay all the payments. The asset typically serves as the lender’s only security.
Finance Lease
You rent the asset for a set term, with options at the end of the agreement to either renew, return, or purchase, depending on the type of lease.
Business Loans
You get a lump sum for your business to purchase the equipment, repaying capital and interest as you go.
Operating Lease
Use the equipment for an agreed period without taking ownership. This can be helpful if you need access to equipment without retaining it long-term.
Asset Refinance
Use machinery or equipment the business already owns to reduce payments, lower rates or release cash.
Benefits of Financing Heavy Equipment:
Improve cash flow & tax efficiency
Low deposits / initial outlay
Payment holidays or stepped payments
VAT funding available
Fixed or variable interest rates
Flexible early terminations with nil extra cost
Retain ownership or off-balance-sheet finance
Capital allowances retained or offset rentals against taxable profits
No risk of depreciation (in certain structures)
Cash-back on refinance or via sale & leaseback deals
Stage payments to suppliers
Looking to finance smaller business equipment? Explore our light equipment finance options.
Why choose Causon?
Free, no-obligation advice
Persistent support until facility is approved
Access to 25 funders for the best deal
No fee; we earn commission from funders
Tailored funding for every situation, from low-rate “blue-chip” credit to customers with challenging credit backgrounds
Speak to our finance experts today and secure flexible funding with minimal hassle.
FAQs
What is equipment finance and how does it work?
Equipment finance helps businesses spread the cost of buying or using machinery and equipment rather than paying the full cost upfront.
There are several ways to fund equipment, including hire purchase, finance leases, operating leases and business loans. The right option will depend on what you’re buying, your business circumstances and whether you want to own the equipment at the end of the agreement.
At Causon Business Finance, we’ll talk through what you need and help you find a funding option that works for your business.
What types of equipment can I finance?
Equipment finance can be used for a wide range of business assets, from heavy plant and machinery to generators, production equipment, CNC machine tools, materials handling systems and specialist equipment.
Funding may be available for equipment used across manufacturing, engineering, construction and other asset-intensive industries. If you’re not sure whether the equipment you’re planning to buy can be financed, speak to us and we’ll look at the options available.
Can I finance new and used business equipment?
Yes, finance can be available for both new and used business equipment.
The options available will depend on factors such as the type of equipment, its age and value, the supplier and your business circumstances. Used machinery doesn’t automatically mean you can’t finance it, but lenders may assess it differently from new equipment.
If you’ve already found the equipment you want to buy, we can look at the purchase and help you understand which funding options may be available.
Which is better for financing equipment: hire purchase, leasing or a business loan?
Hire purchase can be suitable if you want to own the equipment at the end of the agreement, while leasing allows you to use the equipment without necessarily owning it. A business loan may offer more flexibility over how the funds are used.
There isn’t one option that’s right for every business. We’ll look at what you’re buying, what you want from the agreement and your business circumstances before helping you explore the most appropriate options. It’s about finding finance that works for your business, rather than trying to fit every business into the same solution.
Can I apply if I have poor credit or a new business?
Yes. We regularly help start-ups and businesses with limited or imperfect credit history. Our panel includes inclusive lenders who consider the full picture, not just your credit score.
Do you provide equipment finance across the UK?
Yes. Causon Business Finance is based in Hinckley, Leicestershire and helps businesses across Leicester, Leicestershire, Warwickshire and the wider UK arrange finance for machinery, plant and business equipment.
Whether you’re a local business or based elsewhere in the UK, we can work with you to understand what you’re looking to fund and explore suitable options from our panel of lenders.