Plant & Machinery Finance UK– Funding for Construction, Agriculture & Industry
Plant and machinery finance UK – based in Perth, Scotland, we provide funding solutions for construction, agriculture, and industrial businesses across the country. Whether you’re based in Perth city centre, running a business in the Scottish central belt, or operating anywhere else in the UK, we provide the same dedicated, face-to-face service.
From excavators and agricultural tractors to manufacturing equipment and industrial machinery, Positive Asset Finance helps UK businesses acquire the heavy assets they need. We serve construction firms, farmers, and industrial operators across the country.
FCA Authorised | 25+ Years Experience | 20+ Trusted Lenders | No Hidden Fees Plant & Machinery Solutions for UK Businesses.
Flexible Finance for Heavy Assets
Plant and machinery are the backbone of many UK businesses. Whether you’re expanding your fleet, replacing ageing equipment, or investing in new technology, we help you secure the funding you need.
With access to a panel of specialist asset finance lenders, we offer competitive rates and flexible terms for everything from diggers and dumpers to CNC machines and agricultural equipment. Our team understands the demands of your industry and works quickly to minimise downtime.
Plant and Machinery Finance UK – Funding for Heavy Assets
We offer a range of flexible finance solutions, built to fit your needs.
Hire Purchase (HP)
Own your machinery outright with fixed monthly payments. After a deposit and regular instalments, the asset becomes yours at the end. Ideal for long-term ownership.
Finance Lease
Lower monthly payments with the option to purchase at the end of the term. Suitable for businesses that want to preserve cash flow.
Refinance / Sale & Leaseback
Unlock capital tied up in existing machinery. Sell your equipment to a finance company and lease it back, freeing up working capital for your business.
As independent brokers with strong links to lenders across the UK, we can find competitive funding options for your business, regardless of your sector. We pride ourselves on delivering clear, jargon-free advice to businesses throughout the UK. Whether you need a new excavator for a construction project or agricultural machinery for your farm, our plant and machinery finance UK service covers all your heavy equipment needs.
Our Rates. The Sky's The Limit!
Loan calculator
See an estimate of monthly repayments
Transparent Rates
The interest rate you’re offered depends on several factors, including your business performance, the asset you’re funding, and your credit profile. Our representative rates start from 9.9% APR —but the exact rate will be based on your individual circumstances. We’ll always explain your options in plain English before you proceed.
Representative example: Borrowing £10,000 over 5 years at a representative APR of 12.2% (fixed) with a £0 deposit would result in monthly payments of £223. Total amount payable: £13,407. This is an example only. Your actual rate and terms will depend on your circumstances and are subject to status.
As independent brokers with access to a wide panel of UK lenders, we search the market to find the most suitable deal for your business. We earn a commission for our services, but this never influences the interest rate you’re offered.
Use the calculator below to estimate your monthly repayments. Simply adjust the sliders or click the green values to enter your own figures:
Simple Easy Asset Finance
Make a No-Obligation Enquiry. Get in touch by phone, email, or our online form. We’ll ask about the heavy equipment you need—excavators, tractors, manufacturing machinery—and your funding requirements. There’s no obligation, and your initial enquiry won’t affect your credit score. We handle the legwork so you can stay focused on running your business.
Speak with a Local Finance Specialist. You’ll be connected with an experienced asset finance advisor based in Scotland—not a remote call centre. We’ll take time to understand your equipment needs, timeline, and budget, offering honest, jargon-free advice.
We Search the Market for You. As independent brokers, we have access to a wide panel of UK lenders, including those who specialise in plant and machinery finance. We’ll approach lenders, structure suitable proposals, and present you with clear options tailored to your circumstances.
You Choose, We Handle the Rest. Once you’re happy with a proposal, we manage all the paperwork through to completion. We’ll coordinate with suppliers and lenders to ensure your equipment is delivered promptly, minimising downtime.
Whether you’re based in Perth city centre, Newquay in Cornwall, Cardiff in Wales or Cookstown Northern Ireland, our straightforward process takes the stress out of asset finance. Get started today and see how simple funding can be.
Our Finance Partner
Positive Asset Finance Ltd is an appointed Representative of Forward Asset Finance Ltd.
Positive Asset Finance Ltd, No-nonsense Fast Finance
