Running a construction business means constantly balancing quality, cost and cash flow. Whether you’re a small plastering contractor or managing multiple sites, the right equipment can make or break a project’s efficiency. However, with the rising cost of construction machinery, purchasing new equipment outright isn’t always realistic.
That’s where construction equipment financing comes in, a smart and accessible way to invest in the tools your business needs to grow, without draining your capital.
Financing allows businesses to spread the cost of equipment over time, making it easier to manage budgets and maintain healthy cash flow.
Instead of one large upfront payment, you make smaller monthly payments which gives you access to high-quality machines when you need them most.
Benefits include:
Preserve working capital: Keep your cash available for other operational costs.
Access to the best equipment: Use the latest and most efficient machinery without the full purchase price.
Budget predictability: Fixed monthly payments make forecasting easier.
Tax advantages: Depending on your business structure, leasing or hire-purchase agreements may offer tax benefits.
Not all businesses are the same, which is why there are several flexible financing routes to explore.
a. Hire Purchase (HP)
A popular choice for contractors who want to own the machine at the end of the term. You pay in instalments, and once the final payment is made, ownership transfers to you.
b. Lease Agreements
Ideal for companies that prefer to upgrade equipment regularly. You rent the machinery for a set period, with the option to renew or purchase later.
c. Used Construction Equipment Financing
Second-hand and refurbished equipment financing offers an even more cost-effective route. You get well-maintained, serviced machines at a lower price, still with the benefits of spreading payments over time.
Investing in quality equipment directly impacts your efficiency, safety, and reputation which are all key to growth.
Here’s how financing helps you scale sustainably:
Take on more projects: With better equipment and no waiting to save up, you can accept more work.
Improve productivity: Machines like screed pumps and rendering machines reduce labour time and physical strain.
Stay competitive: Access to newer, more efficient equipment ensures better finishes and faster turnaround.
Avoid downtime: Financing allows for timely replacements and upgrades before older machinery starts costing you in repairs.
Both new and used machines offer advantages depending on your situation.
| Type | Best For | Key Benefits |
|---|---|---|
| New Equipment Financing | Growing companies or new projects requiring high output | Warranty coverage, latest tech, increased reliability |
| Used Equipment Financing | Budget-conscious contractors or expanding fleets | Lower cost, immediate availability, fully serviced and tested |
At CES Hire, many of our refurbished machines come from our ex-hire or ex-demo fleet, meaning they’ve been professionally serviced and are ready to work, a great match for contractors exploring used construction equipment financing.
While CES Hire doesn’t offer finance directly, we work closely with trusted finance brokers who specialise in construction machinery.
Whether you’re financing a new rendering machine or a screed pump, our partners can help you find the best terms for your budget and business goals.
We’re also happy to work alongside a finance company of your choice, offering transparent quotes and expert guidance throughout.
Financing isn’t just about affordability, it’s about building a stronger, more capable business. By spreading the cost of essential equipment, you’re giving your team the tools to deliver consistent, high-quality results while protecting your bottom line.
At CES Hire, we’ve seen how the right machines, paired with flexible financing, help contractors grow their fleets, win bigger contracts, and future-proof their operations.
If you’re considering financing for construction equipment , whether new or used, our team is here to help you find the right solution.
👉 Talk To An Expert today to discuss your options and take the next step toward building your business.