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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.
A concrete mixer is one of the most fundamental pieces of equipment on any construction or civil engineering project. Whether your business is undertaking groundwork, foundations, or structural builds, reliable mixing is essential to keeping work on schedule.
Rather than committing a substantial amount of capital to an outright purchase, concrete mixer finance gives construction businesses a structured way to acquire the equipment they need while protecting their cash reserves. At UK Business Finance, we can arrange finance for the purchase of a new or used concrete mixer, structure a refinance agreement on equipment your business already owns, and tailor repayment terms to suit your financial position.
Finance solutions are available across a range of products, so businesses can select the option that best reflects their needs.
Protecting your cash position: Committing to a large upfront payment for a concrete mixer can place real pressure on the working capital a construction business depends on for its daily operations. Finance allows the cost to be distributed across a series of fixed monthly repayments, meaning the business retains the liquidity needed to cover ongoing site costs, materials, wages, and unexpected outgoings throughout the agreement.
Unlocking capital through refinancing: If your business owns concrete mixing equipment outright, asset refinance provides a way to convert that equipment into usable funds. The asset is sold to the funder and leased back to the business, who continues to use it operationally throughout the agreement. A lump sum is received upfront, which can be directed towards new purchases, project investment, or other financial priorities. Ownership of the asset returns to the business once all repayments have been met.
Predictable monthly outgoings: Finance agreements are structured with repayment amounts set at the outset, which removes uncertainty. Construction businesses can plan monthly expenditure, knowing precisely what is due and when. This clarity makes it easier to manage cash flow across a project lifecycle.
Investing in better equipment: Concrete mixer finance makes it viable to invest in higher-specification or higher-capacity machinery that a business might otherwise be unable to justify purchasing outright. Access to modern, well-maintained equipment can improve the pace and consistency of mixing operations on site, reduce the risk of mechanical downtime, and contribute to better overall project delivery.
Terms built around your business: Finance agreements can be structured to reflect the specific financial circumstances of the business. Having the terms tailored allows businesses to arrive at a monthly repayment figure that is sustainable given their income patterns and outgoings.
UK Business Finance is a commercial finance broker with an in-depth understanding of the construction industry, giving your business a clear route to funding that has been selected to match your situation.
Here is how we can help:
For more information on concrete mixer finance, please contact our construction equipment team.

Concrete mixer finance can be structured in several ways depending on how a business wants to manage the cost. Hire purchase agreements and finance leases allow businesses to spread payments across an agreed term, keeping upfront expenditure low. Asset refinance provides a way to draw capital from mixers or other equipment already owned by the business. Where the requirement sits outside a straightforward asset purchase, unsecured loans offer a more flexible route to funding.
UK Business Finance supports construction businesses in arranging concrete mixer finance that works for their specific situation. From sourcing the right product to seeing the agreement through to completion, our team is on hand throughout the process.
| 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 |
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.

Concrete mixers are fundamental to a wide range of construction projects. Financing this equipment through a structured agreement allows businesses to match their repayments to their income, rather than absorbing a large cost at the point of purchase.
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With UK Business Finance, you can finance a wide range of different agriculture assets. These include excavators, cranes, bulldozers, dump trucks, access platforms, scaffolding, and a range of other construction equipment.
To apply, you will need to provide a range of documents to verify your business’s financial health. Documents to provide often include your business’s latest financial statements, 6 months of company bank statements, full name, address, DOB and homeownership status of all directors.
The terms and interest rates may depend on multiple factors, including the age and condition of the asset, the amount being financed, the length of the repayment term, your business’ creditworthiness, current market interest rates and the specific finance product chosen.
While specific criteria can vary between lenders, generally, you will need to demonstrate that you are a registered UK business, provide full annual accounts, previous bank statements, plus personal details such as full name, date of birth and personal address.
We can provide solutions including hire purchase agreements, finance leases and asset refinance. As well as this, we can arrange unsecured loans and working capital loans.
To boost your chances of approval, it’s important to maintain a good credit score and keep your financial documents well-organised. Demonstrating stable income and a healthy trading history will be beneficial. Reducing any existing debts can also improve your affordability profile. Additionally, clearly outlining the purpose of the finance and how it will benefit your business can help reassure lenders of your reliability.