Call us on: 01322 912578
Finance for civils and groundworks companies
From small civils contractors to regional groundwork specialists, we provide finance that helps you cover heavy upfront costs, manage uneven cashflow and invest in the machinery that keeps your projects on track.
The equipment we help finance
Groundworks and civils businesses rely on some of the most capital-heavy machinery in construction. We provide finance for:
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Earth moving machinery – excavators, dumpers, dozers, wheeled loaders
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Ground compaction kit – rollers, compactors, rammers
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Specialist civils plant – piling rigs, trenching machines, shoring systems
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Vehicles – tippers, grab lorries, low loaders, vans
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Recycling and materials processing – crushers, screeners, conveyors
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If the equipment you need isn’t listed here, we’ll work with you to find the right solution.
When finance makes the difference
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Mobilising a new civils contract that requires heavy upfront spend.
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Managing payroll and suppliers while waiting on payment applications.
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Expanding your fleet to meet demand for larger projects.
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Handling VAT or tax bills at short notice.
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Smoothing seasonal cycles, keeping staff and subcontractors paid through quieter months.
Funding options tailored for groundworks
Groundworks and civils projects demand heavy upfront investment, from machinery to materials, often long before the first valuation is paid. We provide finance that matches the scale and timing of your contracts, giving you the headroom to deliver with confidence.
Ways we commonly support groundworks companies include:
Supporting you through peaks and troughs
Groundworks projects often follow seasonal cycles. Finance helps you manage quiet periods and respond quickly when demand increases.
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Keep your team and subcontractors paid year-round.
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Maintain and service plant during downtime.
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Invest in new machinery ahead of busy periods.
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Take on more projects without overstretching resources.
How we work with groundworks companies
We know groundworks contracts are high-cost and high-pressure. That’s why we focus on:
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Quick decisions so you can move fast when opportunities arise.
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Flexible options that work around staged payments and project cycles.
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Straightforward processes, with minimal paperwork.
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Ongoing support, so finance grows as your business grows.
Business finance in action
£200k facility for a civils contractor.
The business needed to cover mobilisation costs for a major infrastructure project while waiting for its first valuation to be approved. We arranged a working capital and asset refinance package that kept payroll covered and allowed them to secure the equipment needed for delivery.
FAQs for
civils & groundworks
Who do you work with?
We support civils contractors, groundwork specialists, and firms providing plant and labour for infrastructure, housing and commercial projects.
Can you finance heavy plant and machinery?
Yes. We can arrange hire purchase, leasing and refinancing for a wide range of machinery, from excavators and dumpers to piling rigs.
How quickly can funding be arranged?
Indicative options can often be provided the same day. Once approved, funds are usually released within a week, with drawdowns sometimes in 24–72 hours.
Do you only offer equipment finance?
No. We also provide working capital loans, invoice and contract finance, VAT and tax loans, and bridging facilities — whichever best supports your contracts.
What turnover do I need to qualify?
We typically work with plant hire businesses turning over £200k+ per year.
How much can I access?
Facilities can range from smaller working capital loans through to multi-million-pound packages for fleet expansion and large contracts.