Construction Asset Finance
- Finance from £1,000 to £10m
- Own the asset, pay over time
- Fixed rate options available
- Repayment terms: 1 to 5 years
- No additional deposits in most cases
- Hire Purchase, Leasing, and Refinancing options available
Finance for the Construction Industry
At Reality Finance, we understand the pressures the construction industry is under. With inflation and the cost of materials as well as staff costs on the increase, cash flow for many businesses is tighter than ever. We offer funding solutions for any type of plant, equipment, or vehicles used in your construction business.
What can Construction Asset Finance be Used For?
Construction asset finance can be used to:
Buy new or used machinery
Upgrade ageing plant
Add vehicles to a growing fleet
Fund equipment needed for a new contract
Spread the cost of site setup Refinance owned assets to release working capital Fund software, installation and supporting services where eligible
What Do Our Customers Say?
“Reality Finance provide competitive lease rates enabling our customers to spread the cost of purchasing new equipment with our Easy Payment scheme. They are happy to talk directly with our customers and offer expert financial advice. In this difficult economic climate, we are looking to build on our relationship to make purchasing even easier for our customers.”
Mark Jackson-Nichols , Director, Loma Systems
Having Reality Finance as a partner has enabled our customers to invest in our tray sealing lines which is vital capital equipment that has enabled them to grow their businesses and improve efficiencies much quicker than if they had waited to generate the cash to pay for these assets.
We have always found the team at Reality Finance to be extremely responsive and supportive of us and our joint customers through the whole purchasing process, making it as smooth and swift as possible.
Sam Ashton , Commercial Director, Packaging Automation Ltd
Examples of Construction Assets That Can Be Financed
Finance facilities can fund most types of equipment used by the construction industry, starting from £1,000 up to £10,000,000. Common examples of equipment and software funded by construction asset finance include:
Heavy Plant and Machinery, such as excavators, diggers, bulldozers, graders, cranes, rollers, pavers, compactors, pile drivers, concrete pumps and specialist machinery for civil engineering and groundworks
Lifting & Access Equipment, such as forklifts, telehandlers, cherry pickers, and access platforms
Site Equipment & Temporary Buildings, such as scaffolding and access platforms, site cabins, offices, welfare units, generators, lighting towers, power systems, hoists and temporary infrastructure
Sustainable Equipment & Green Technology, such as electric plant and hybrid machinery, solar generators and battery storage, and energy-efficient lighting and site equipment
Waste Management & Recycling Equipment, such as skips and skip systems, waste compactors and balers, mobile crushers and screening equipment, and recycling plant for aggregates and materials
Refurbishments & Fit-Out Equipment, such as interior fit-out tools, access equipment, specialist tools for renovation and finishing, and other equipment used by commercial fit-out contractors
Software & Digital Tools, such as Autodesk Revit and BIM Platforms, AutoCAD and design tools, Procore project management systems, and site monitoring, reporting, and compliance software Vehicles & Transport, such as vans, pickups, tipper trucks, HGVs, skip loaders, waste transport vehicles and fleet expansion for growing contractors
Vehicles & Transport, such as vans, pickups, tipper trucks, HGVs, skip loaders, waste transport vehicles and fleet expansion for growing contractors
Finance for Supporting Services
Construction Sectors That Can Benefit from Financing
Managing Construction Cash Flow with Finance
Construction businesses often face upfront costs before project payments are received. Asset finance can help reduce this pressure by spreading the cost of essential equipment over time.
It can support your business by helping you:
Manage cash flow gaps: Spread costs while waiting for staged payments or project income.
Fund high-value equipment: Access plant, machinery and vehicles without a large upfront spend.
Respond to new contracts: Secure equipment quickly when project demands change.
Protect working capital: Keep cash available for labour, materials, suppliers and day-to-day costs.
Upgrade equipment: Invest in newer, more efficient assets while keeping repayments manageable.
Flexible Funding for your Construction Business
We can help structure repayments around how your construction business earns revenue. From Hire Purchase to Operating Leases, the benefits include:
Optional balloon payments
Can be used for hard and soft assets
Early settlement may be available, subject to lender terms and any applicable settlement figure
Fixed interest rates
Refinancing available on existing business assets
Finance Options Available to the Construction Industry
After understanding the needs of your construction business, we will discuss with you the best financing option. Most commonly for the construction industry, we would offer you the following finance options:
Hire Purchase
Hire Purchase is an ideal solution for all sizes of construction businesses that are keen to purchase equipment such as plant, machinery, or vehicles, but spread the payments over the working life of the asset.
Business Loans
From a variety of Unsecured Business Loans to Merchant Cash Advances, we can offer up to £500k to give your construction business a cash injection. We work with multiple lenders to bring you fast unsecured finance for your business
Finance Lease
Finance Leases are ideal for funding construction equipment that depreciates in value. Simply pay for the equipment you need via monthly or quarterly repayments, and then choose to keep or update the equipment at the end of the agreed term.
How Applying for Construction Asset Finance Works
- Tell us what asset you need to finance
- We review your business, asset details and funding requirements
- We approach suitable lenders from our panel
- You receive available options with clear repayment terms
- Once approved, funds are released to the supplier or agreement provider
- You repay over the agreed term.
How Lenders Assess Construction Asset Finance Applications
When reviewing a finance application, lenders will usually look at:
Your trading history: How long your construction business has been operating and its financial track record
Affordability: Whether your business can comfortably manage the repayments alongside existing costs and commitments.
Credit profile: The credit history of your construction business and, in some cases, its directors.
Construction asset type and value: What you are financing, how much it is worth, and whether it is new, used, or specialist equipment.
Supplier details: Whether the construction asset is being purchased from a recognised dealer, manufacturer or private seller.
Deposit or upfront contribution: Some lenders may require a deposit depending on the construction asset, business profile or finance amount.
Project or contract visibility: For construction businesses, lenders may also consider upcoming work, contracts or project income.
Each lender has its own criteria, so the right finance option will depend on your business, the asset, and how the equipment will be used. We will need to provide the following information to the lender for your application:
Business name and trading history
Recent bank statements
Filed accounts or management accounts
Asset invoice or supplier quote
Details of existing finance commitments Director or owner details
Arrange Construction Asset Finance with Confidence
Looking to finance construction equipment or improve cash flow on your next project? We work with a panel of trusted UK lenders to arrange competitive, tailored finance solutions for businesses across the construction sector. Contact us today to discuss your requirements and receive a clear, no-obligation quote. We explain broker fees, lender fees and repayment terms clearly before you proceed, so you know what you are agreeing to.
Construction Asset Finance FAQs
Can you arrange finance for used construction equipment?
Yes, we can arrange finance for both new and used construction equipment and machinery. Funding used assets is a common option for construction businesses looking to reduce upfront costs while still accessing reliable equipment.
Can you finance multiple construction assets at once?
Yes, we can structure finance to cover multiple assets within a single agreement or across multiple facilities. This is particularly useful for contractors setting up new sites, expanding fleets, or taking on larger projects that require several pieces of equipment at the same time.
How quickly can you approve construction finance?
Approvals can often be secured within 24 to 48 hours, depending on the size and complexity of the request. In some cases, same-day decisions are possible, allowing you to move quickly when securing equipment for time-sensitive projects.
Do startups or new construction businesses qualify for asset finance?
Eligibility depends on the lender and the details of the application. In general, construction finance is more widely available to established or growing businesses with a clear trading profile.
Can repayments be structured around project timelines?
Repayments can often be tailored to align with project schedules, helping you manage cash flow more effectively and avoid pressure during quieter periods or before stage payments are received.
Can we upgrade equipment during the finance term?
Depending on the agreement, it may be possible to upgrade or refinance construction equipment during the term. This allows you to stay competitive by accessing newer or more efficient machinery without waiting for the original agreement to end.
How does our Finance work?
You will have one point of contact at Reality and we believe in building relationships - we won't make you fill in online forms to make your application.
1
Choose the asset or service your company needs
2
Speak to us and we will use our panel of lenders to find you the best monthly payment option
3
We take care of the paperwork and invoicing
4
Your product or service is delivered to you
5
You pay for your new asset as you use it
Why Reality Finance?
5 star service rating
Verified by Feefo
Over 30 lenders on our panel
so we can source you the best deal
Lender in our own right
Provides additional flexibility
Funding hard and soft assets
Anything you need for your business
24 years of trading
Established in 2000 and privately owned
Case Study | Packaging Automation
Jason Turner, specialist Account Manager at Reality Finance arranged the finance on behalf of the company:
“Our customer needed to increase production quickly and we were keen to support them with getting the required kit into place. With the Packaging Automation supplied machine and our support with the funding, they were able to double their production line immediately”.
Supporting a Fast-Growing Food Manufacturer
Reality Finance have recently worked with Packaging Automation to support a Yorkshire-based manufacturer of specialist gluten and dairy-free food products. This company was producing over 20 million meals a year for major supermarkets and food outlets and was in demand to produce more of their product.
Challenge
With the new factory set up and running, and with the brand growing, orders from leading supermarket chains continued to increase. The production line was struggling to keep up with the demand, with the company having to turn away new orders, stopping the business from growing further.
The company recognized that to increase its production volume, it would need to invest in specialist machinery including an additional packaging and production line – a significant capital investment. With immediate cash reserves allocated to other areas of the business, the company needed an alternative method of funding its new equipment.
Solution
Reality Finance was able to put together a monthly payment solution, enabling the company to spread the cost of its investment over a 5-year period. The purchase was an Eclipse SL4 Atmospheric Heat-Sealing Machine Installation as well as spare parts, accessories, and delivery, supplied by Packaging Automation.
This new equipment was delivered and installed within weeks of the initial order, meaning the manufacturer could increase their production and meet the demands of their suppliers.