At a glance: 1pm Finance is a specialist micro-business lender particularly suited to low-value site dumper finance (£5,000–£50,000 range). Rates run from 7–19%, with a minimum advance of just £1,000. For micro-contractors, one-man-bands, and very small groundwork businesses, 1pm offers access to plant finance that mainstream lenders rarely consider.
1pm Finance Site Dumper Finance Rates - October 2026
1pm Finance plc is a specialist SME lender focusing on the micro-business and lower-end SME market. They offer hire purchase on construction plant including site dumpers, with a particular focus on businesses too small or too new for mainstream lenders. Their approval rates are high relative to the risk they take on, but this is reflected in their rate structure.
| Profile | Finance Type | Rate Range | Min Advance | Max Advance | Term |
|---|---|---|---|---|---|
| Micro-business - clean credit | Hire Purchase | 7.0–11.0% | £1,000 | £150k | 12–48 months |
| Start-up (under 12 months) | Hire Purchase | 12.0–19.0% | £1,000 | £50k | 12–36 months |
| Adverse credit | Hire Purchase | 12.0–19.0% | £1,000 | £75k | 12–48 months |
| Sole trader - any credit | Hire Purchase | 9.0–19.0% | £1,000 | £100k | 12–48 months |
1pm Finance is not appropriate for businesses with clean credit and 3+ years trading - much better rates are available. 1pm is a last resort or micro-business specialist.
1pm Finance - Strengths and Limitations
Strengths
- £1,000 minimum advance - lowest on the market
- Very high approval rate for small/simple applications
- Fast decisions - often same day for small cases
- Will finance very low-value dumpers (£5k–£15k)
- Start-up and micro-business focus
- Listed on AIM - established and regulated
Limitations
- Rates are among the highest in the market
- Maximum £150k - not for anything above micro-business
- Not suitable for established businesses with clean credit
- Short maximum terms (36–48 months) keep monthly costs higher