Construction
Plant, machinery, vehicles and equipment finance for contractors of all sizes. GDFS understands the cash flow pressures of construction and works with lenders who do too.
About this sector
Finance in the Construction sector
Construction businesses are asset-heavy and cash-flow stretched. A large excavator can cost £100,000–£500,000; a tower crane £500,000 or more. Combined with the sector's well-documented slow payment culture — main contractors and developers routinely pay 60–90 days after invoice — construction firms frequently need to fund plant and equipment before money from one job has arrived from the last. Working capital is constantly under pressure, yet the plant needed to win and deliver contracts cannot wait.
Asset finance keeps capital free for materials, labour, bonds and retentions — the things that keep sites running and main contractor relationships healthy. Hire purchase builds equity in plant while matching outgoings to project income. For equipment only needed on specific contracts, a finance lease avoids the full ownership cost without sacrificing availability. When plant is already owned outright, refinancing can release cash quickly without disrupting live operations.
GDFS works with lenders who understand construction's cyclical cash flow, contract-to-contract income patterns and the real cost of plant downtime. From a single machine to a multi-vehicle fleet, we source competitive terms across 30+ specialist lenders and manage the application end-to-end. Decisions are typically within 24–72 hours — fast enough to match the pace of a live contract.
Finance solutions
Products suited to Construction
Why GDFS
A broker who knows your industry
We're not a comparison site or a call centre. We're an independent broker who takes the time to understand your business, your cash flow, and the unique challenges of your sector — then we find the right deal from a panel of 30+ lenders.
- FCA-authorised credit broker
- Access to 30+ specialist lenders
- Decisions typically within 24–72 hrs
- Personal broker assigned to every case
- Dorset-based, serving businesses UK-wide
- 5-star rated on Trustpilot
FCA authorised & regulated
Your interests are always protected
How we get your deal done
Tell us what you need
Call, email or fill in the form. No obligation, no credit check at this stage.
We search the market
We compare rates and products across 30+ specialist lenders on your behalf.
You choose the best deal
We present the options clearly — you decide what works for your business.
Funds in your account
We manage the paperwork end-to-end. Typical decisions within 24–72 hours.
Common questions
Construction finance FAQs
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Can I finance second-hand plant and machinery?
Yes — most of our lenders will finance good-quality used plant, including second-hand excavators, dumpers, rollers, and other construction equipment. The age and condition of the asset will influence the terms, and we'll tell you upfront what to expect.
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I have gaps between invoice payments — can you help with cash flow?
Yes. Invoice finance lets you unlock up to 90% of outstanding invoice values as soon as they're raised, rather than waiting 30–90 days. It's widely used in construction and can be arranged confidentially so your clients aren't aware.
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Can you finance a whole plant fleet?
Yes — whether you need to finance one machine or an entire fleet, we can structure deals across multiple assets and lenders with a single point of contact throughout. Fleet deals often attract better rates than individual asset agreements.
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Do you work with sole traders and small contractors?
Absolutely. We help sole traders, partnerships, and limited companies of all sizes. We'll assess your application on its merits and find lenders best suited to your trading profile and history.
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What deposit is typically required for construction plant finance?
Many lenders require a 10–20% deposit for construction plant, though some deals can be structured on zero deposit for strong applicants. We'll be upfront about what each lender requires before you commit to anything.
Ready to talk construction finance?
Get a free, no-obligation quote today. We'll do the lender legwork — you focus on your business.