Grab lorries, hook loaders, and roll-on roll-off trucks are specialist waste and construction vehicles with a more limited lender market than standard tippers. This guide covers the finance options available, which lenders are active in this space, and what to expect from the process.
Types of Specialist Waste and Construction Trucks
| Vehicle Type | Primary Use | Typical GVW | Lender Appetite |
|---|---|---|---|
| Grab lorry (grabber) | Loose material collection - soil, rubble, vegetation | 26t–32t | Specialist - Aldermore, Haydock, Shawbrook |
| Hook loader (skip lorry) | Skip container collection and delivery | 18t–26t | Specialist - Shawbrook, Haydock, Time Finance |
| Roll-on roll-off (ro-ro) | Large open-top container haulage | 26t–32t | Specialist - Haydock, Time Finance |
| Tipper grab combination | Dual-function tipper and grab crane | 26t–32t | Specialist - case-by-case assessment |
Indicative Finance Rates - Grab Lorries & Hook Loaders October 2026
| Lender | New/Recent APR | Used (5–10 yrs) APR | Min Deposit |
|---|---|---|---|
| Aldermore | 6–11% | 10–14% | 15–20% |
| Haydock Finance | 7–12% | 11–16% | 15–20% |
| Shawbrook | 6–11% | 10–13% | 15–20% |
| Time Finance | 8–14% | 12–18% | 20–30% |
| Close Brothers | 5.5–10% | Case by case | 10–15% |
Secondary Market & Lender Risk
Grab lorries and hook loaders have a smaller secondary market than standard tippers, which means lenders assess residual values more conservatively. A well-maintained Volvo FMX grab lorry from a reputable dealer retains value reasonably well; a crane-grab combination on an older DAF chassis is harder to value, which is why deposits tend to be higher and rates elevated versus standard tippers.
What DBF Needs to Arrange Grab Lorry Finance
- Full vehicle specification (chassis, crane model, grab size, year)
- Invoice or valuation from the dealer or seller
- 2 years accounts or management accounts
- 3 months business bank statements
- Proof of identity for all directors or business owners