Construction
Plant and access equipment
Excavators, loaders, telehandlers, dumpers, rollers, access equipment and attachments.
Equipment finance
Plant and machinery finance for UK businesses
Direct answer: plant and machinery finance can help a business acquire identifiable equipment for construction, plant hire, manufacturing or engineering. A provider assesses the equipment, seller, price, business and intended use before deciding whether to offer finance.
NBS Finance is a commercial finance broker and introducer, not a lender. A provider sets any rate, fees, security requirements and terms.
Replacement and extra capacity need different evidence
For a replacement, compare the old machine’s settlement, repair costs and downtime with the new contribution, VAT, instalments and useful life. For added capacity, show demand, staffing, power, tooling, installation, commissioning and the time before extra output earns cash.
Hypothetical budget, not a quote: a £100,000 machine plus £10,000 installation and training costs requires more cash than the machine price alone. An assumed £20,000 contribution leaves £80,000 of machine price before finance charges and applicable VAT, while the £10,000 additional work may need separate funding. Confirm precisely what the proposed provider accepts.
A longer term may lower each instalment but increase total charges or extend repayments beyond realistic earning life. Staged deposits, imports and commissioning can add conditions before final payout. Compare total payments, final obligations and a delayed-production scenario.
Explore excavators, telehandlers and CNC machines by the actual equipment. Used machinery and private or auction purchases require seller, title, condition and valuation checks.
Plant and machinery quick scan
Production
Manufacturing machinery
CNC, processing, packaging, production and material-handling equipment.
Workshops
Engineering equipment
Lathes, presses, fabrication, welding, lifting and specialist workshop machinery.
A useful enquiry identifies the make, model, age, condition, hours where relevant, price, VAT, supplier and intended business use. Separate installation, transport, software, tooling, training and maintenance costs on the quotation.
What changes with the equipment source?
| Equipment source | Useful evidence | Points a provider may examine |
|---|---|---|
| New from a supplier | Detailed quotation and specification | Price, VAT, deposit, delivery and intended use |
| Used from a dealer | Quotation, age, hours, service history and condition | Value, remaining useful life and any modifications |
| Private sale or auction | Seller identity, ownership evidence, sale terms and payment deadline | Title, valuation, inspection, buyer’s premium and VAT treatment |
| Already owned | Ownership, valuation and any existing settlement | This may be an asset refinance enquiry |
Confirm a workable route before bidding, paying a non-refundable deposit or committing to a completion date.
How the machinery enquiry progresses
Describe the equipment
Share the quotation, specification, seller, price, deposit and intended use.
Explain the business case
NBS Finance discusses whether the purchase replaces equipment, adds capacity or supports identified work.
Provider assessment
Where an appropriate route is identified, the provider completes its financial, asset and seller checks.
Plant and machinery finance questions
Can older machinery be considered?
Yes, some providers finance older machinery. Condition, operating hours, service history, market value, intended use and useful life at the end of the term can matter more than the model year alone.
Can attachments or installation be included?
Yes, attachments and installation can be included when the provider accepts them as part of the asset package. Labour, software, training and consumables can be treated differently from the core machine, so itemise every cost on the quotation.
Is an inspection always required?
No, an inspection is not automatic. The provider decides from the equipment type, age, seller, value and available records. Expect an inspection, valuation or additional photographs and service evidence for specialist, older, unusual-source or high-value machinery.
Can a newer business apply?
Yes, some providers consider newer businesses. Relevant operator experience, signed contracts or orders, forecasts, deposit and current bank information help evidence both need and repayment capacity.
Prepare the enquiry
Build a clear equipment file
The asset-finance document guide covers quotations, business records, seller information and supporting evidence.
Tell us about the plant or machinery
Start with the equipment, seller, quotation and purpose of the purchase.