Industry Fleet Finance

Construction Logistics Fleet Finance UK - Tipper, Flatbed & Site Vehicle Finance

Construction Logistics Fleet Finance UK - Tipper, Flatbed & Site Vehicle Finance - Doulton Bridging Finance

Construction logistics fleet finance covers the mixed vehicle needs of construction companies and groundworks contractors: tippers for bulk excavation, flatbeds for materials delivery, vans for operatives and tools, and site vehicles. Lenders familiar with construction understand the cyclical nature of the sector and the asset values of specialist construction HGVs.

Vehicle Types in a Construction Fleet

  • 8-wheel tippers - 26t-32t, for bulk material removal and delivery
  • 6-wheel tippers - 18t-26t, for urban construction sites with weight restrictions
  • Flatbed rigids and artics - for steel, timber and precast concrete delivery
  • Transit vans and pickups - for operatives, tools and light materials
  • Site vehicles - 4x4s, welfare vans, site supervisors' vehicles

Rate Guide - October 2026

Vehicle TypeRate Range (APR)TermLTV
New 8-wheel tipper5.5-8%3-5 years90%
Used 8-wheel tipper (under 5yr)7-11%2-4 years80%
New flatbed rigid/artic5.5-8%3-5 years90%
Vans and site vehicles5-7.5%3-5 years90%
Adverse credit / start-up11-16%2-3 years65%

Worked Example - Mixed Construction Fleet

DetailFigure
Assets3x 8-wheel tippers, 2x flatbeds, 4x Transit vans
Total fleet value£580,000
Deposit (15%)£87,000
Amount financed£493,000
Term48 months
Rate7% APR (blended)
Monthly paymentapprox. £11,820
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FAQs

Frequently asked questions

Can I finance a mixed construction fleet - tippers, flatbeds and vans together?

Yes. A mixed fleet can be financed through a single block facility or as separate agreements per asset type. We structure the deal to maximise lender appetite across all vehicle types.

What is the most commonly financed construction vehicle?

The 8-wheel tipper is the sector staple. 26t and 32t tippers from DAF, MAN and Mercedes are readily financed by most major lenders.

Can I include plant (excavators, dumpers) in the same facility as vehicles?

Some lenders offer combined plant and vehicle facilities. Others prefer to separate HGVs from plant. We present to lenders best suited to your asset mix.

Do lenders require proof of construction contracts?

Evidence of contracts or a strong order book helps but is not always required. Financial performance, trading history and operator licence are the primary underwriting factors.

What happens to my fleet finance if a construction project ends?

Finance agreements are asset-based, not contract-based. Your obligations continue regardless of whether a specific project ends. This is why matching term length to expected utilisation matters.

Asset finance for business purposes is not regulated by the FCA. Rates shown are indicative as at October 2026 and depend on credit profile, term, vehicle and deposit. We act as a credit broker, not a lender. Your vehicle may be repossessed if you do not keep up repayments.

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