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Access Platform Finance
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Written by James Dutton
James is Head of Asset Finance in our funding division. He specialises in arranging finance for assets across a range of sectors, as well as experience in completing finance agreements for assets coming from abroad. James has more than 30 years of experience in the finance sector, providing him with the necessary expertise to arrange finance for businesses requiring finance facilities across the UK.
Finance your access platforms
Whether you're running a single self-propelled unit or managing a mixed fleet of scissor lifts and boom lifts across multiple sites, the right equipment can be the difference between hitting your programme and falling behind it.
With new and used access platforms representing a meaningful investment, most construction businesses choose to spread the cost through a finance agreement rather than commit capital upfront. Our dedicated construction finance team can help you find the right solution, whether that's hire purchase, a finance lease, or an unsecured business loan.
Whether you're equipping a growing team, replacing older machinery, or expanding your capability to take on larger contracts, we'll help you secure funding that works around your business.
We can also arrange finance for other powered access and construction equipment, including dump trucks and scaffolding equipment.
What is Access Platform Finance?
Whether your team relies on scissor lifts for internal fit-out work, boom lifts for external maintenance, or spider platforms for confined or uneven terrain, access platforms are a non-negotiable part of getting the job done safely and efficiently.
UK Business Finance can arrange finance for the purchase of new or used access platforms, cherry pickers and powered access equipment of all kinds. Our expert construction finance team can support businesses across construction, property maintenance, events, and utilities, helping them secure the equipment they need through a finance arrangement suited to how they operate.
We can also arrange asset refinance against access platforms your business already owns, releasing capital from equipment that is sitting unencumbered on your books.
Secure Your Funding In Minutes – Get a FREE No Obligation Quote
With full market access and absolutely no ties to any lender, we can objectively match you with the most effective and cost-efficient source of business finance. Contact our team today!
Benefits of Access Platform Finance
Preserving capital: Powered access equipment can represent a considerable outlay, particularly when a business needs multiple units to cover different site requirements. Financing the purchase rather than paying in full at the point of acquisition means your business can use the equipment while the cost is spread over predictable monthly repayments.
Accessing capital from equipment already on your books: Businesses that own cherry pickers outright have an asset that can be put to work financially. Asset refinance allows you to sell the equipment to a funder and receive a cash payment representing a significant proportion of its value, while retaining the right to use it throughout the agreement. Once the repayment term concludes, the equipment returns to your ownership.
Monthly costs you can plan around: Access platform finance agreements are structured with fixed repayment amounts, which means your business knows exactly what it will pay and when for the full duration of the term. For businesses managing multiple pieces of financed equipment, this consistency across all agreements is particularly useful.
Investing in equipment that meets current standards: Access platforms are subject to inspection and safety requirements, and older equipment can become a liability as standards evolve or maintenance costs mount. Finance gives businesses a viable route to replacing ageing cherry pickers with newer platforms that meet current compliance requirements and perform more reliably on site.
A repayment structure built around your business: The terms of an access platform finance agreement can influence the monthly repayment to a level that is genuinely manageable given your income and commitments. This adaptability means businesses of different sizes and at different stages can access finance on terms that fit their individual circumstances, rather than a one-size-fits-all product.
How we helped a construction business finance three new access platforms
A Midlands-based construction and development business approached UK Business Finance looking to fund three new access platforms.
The business had previously relied on hired equipment, but with a pipeline of upcoming projects making long-term hire increasingly expensive, purchasing outright made far more commercial sense.
Our team worked with the business to identify hire purchase as the most appropriate structure, allowing them to spread the cost over a 48-month term while retaining full use of the equipment from day one.
By drawing on our panel of lenders, we were able to secure competitive terms suited to the business's financial profile and get the agreement in place quickly.
The facility was arranged for £85,000 in total, covering all three units and giving the business the owned fleet it needed to service both the immediate contract and future projects with greater cost certainty.
Apply for Access Platform Finance
UK Business Finance operates as a commercial finance broker, giving you a direct route to funding solutions carefully matched to your business requirements.
Here is how we can help:
- Get a quote in just 60 seconds
- Access our broad lender panel to pinpoint the most suitable funding option
- Our team prepares and submits your application to lenders on your behalf
- Benefit from the expertise of a highly experienced team with in-depth knowledge of the construction industry
For more information on access platform finance, please contact our specialist team today.
Secure your financial future - get a free quote today!
Our team of finance experts can provide industry-leading advice on finance options to suit a range of different scenarios. Call the team on 0808 301 0624 or Contact Us
What finance can be used for access platform finance?
Businesses that rely on working at height need access platforms that are safe, reliable, and suited to the demands of each job. Asset finance and finance leases spread the purchase cost across a series of fixed monthly repayments, making it easier to acquire the right equipment without a large upfront commitment. For businesses with platforms already on their books, asset refinance can unlock capital from those assets without interrupting day-to-day operations.
UK Business Finance works with businesses across construction, facilities management, and specialist trades to arrange access platform finance that fits their operational and financial needs. Our team handles the process end to end.
| Asset Finance | Asset Refinance | Finance Lease | Unsecured Loans | |
|---|---|---|---|---|
Typical term length | Medium Term | Medium Term | Medium Term | Short Term |
Flexibility | Medium | Medium | Medium | High |
Deposit required? | Yes | Yes | Yes | No |
Purpose | Purchase assets | Raise capital for multiple ventures | Lease assets | Multiple business needs |
How do we work?
1. Get a Customised Quote
When you reach out to us, we will likely request that you provide the following information. Your latest set of accounts, previous 6 months’ banks statements and director’s personal details.
2. Compare Options
Once the information from step 1 has been confirmed, we will reach out to our extensive panel of funders, who under normal circumstances, respond with an answer in 48 hours. After this, Know Your Customer (KYC) and identification checks will take place for the business and its directors.
3. Finalise the agreement
As soon as you agree to move forward with the terms and conditions, you will receive the relevant documents for you to sign and then return. After the final checks have been completed, the funds will be released. The time taken to release the funding varies depending on the funder, ranging from 24 to 72 hours.
Why does your business need access platform finance?
Access platforms a vital asset for businesses working at height, but the cost of purchasing and maintaining this equipment can place real pressure on working capital. The right finance solution gives businesses a practical way to keep their equipment current and their operations running safely.
- Purchase powered access equipment
- Upgrade to safer, more compliant platforms
- Scale your fleet
- Set repayment terms around your finances
- Safeguard your cash flow
- Refinance platforms you already own
- Avoid a single large capital outlay
- Modernise ageing access equipment
Why Choose UK Business Finance
100% Independent Broker
We're not tied to any lender. With access to 90+ finance providers, we match you with the most suitable funding solution, not the one that pays us the best commission.
Callback Within 30 Minutes
From the moment you contact us, we commit to responding within 30 minutes. When your business needs funding fast, every hour counts.
Nationwide Coverage, Local Expertise
With 8 regional offices and 100+ supporting locations across the UK, you'll work with a finance specialist who understands your local market.
Access Platforms Finance FAQs
What types of access platforms can I finance?
We can arrange finance across the full range of powered access equipment, including scissor lifts, boom lifts, tracked platforms, and spider lifts. Whether you're looking at a new machine from a manufacturer such as Genie, JLG, or Haulotte, or a quality used platform, we can structure a solution around your fleet requirements and budget.
What finance options are available for access platforms?
Hire purchase is a widely used option for construction and development businesses, enabling you to spread the cost over a fixed term and take ownership of the equipment at the end. Finance leases are also available if you'd prefer to keep your options open or manage the asset off your balance sheet. We'll work through the options with you and recommend a structure that fits how your business operates.
How much can I borrow to finance an access platform?
The amount available will depend on the value of the equipment, the number of units involved, and your business's financial profile. Access platforms vary considerably in cost depending on type, reach, and specification, and our lender panel has extensive experience financing powered access equipment at all levels.
Can I finance access platform servicing equipment or accessories separately?
Depending on what's involved, yes. Ancillary equipment such as specialist harnesses, outrigger pads, or maintenance rigs can sometimes be included within a broader finance arrangement or funded separately.
Can I finance a used access platform?
Yes, finance is available for both new and used access platforms. Lenders will generally consider the age, condition, service history, and current market value of the machine as part of their assessment. Keeping maintenance records up to date and having a clear picture of the asset's working hours can help support a stronger application.
Can I finance a fleet of access platforms under one agreement?
In many cases, yes. Where a business needs to fund multiple units, it is often possible to arrange a facility that covers all of them, either through a single agreement or a series of linked arrangements. This can simplify your repayments and make fleet management more straightforward.
