Rate Ranges by Road Plant Type
Road construction plant spans a significant value range - from a wheeled paver at £80,000 to a large cold planer at £800,000. Finance rates and lender appetite vary accordingly.
Surface laying
Asphalt Paver / Finisher 4.5% – 14% Dynapac, Bomag, Cat, Volvo ABG. £80k–£280k. Good resale market; broad lender appetite.
Milling / maintenance
Cold Planer / Road Miller 4% – 13% Wirtgen W100–W210, Cat PM400–PM600. £200k–£800k+. High value; selective lender pool.
Earthworks / grading
Motor Grader 4% – 12% Cat 120M–18M, Komatsu GD655, John Deere 770G. £150k–£500k. Mainstream lenders know this asset well.
Lender Rankings - Road Construction Equipment - October 2026
| Lender | Best Rate | Rate Range | Min Finance | Best for |
|---|---|---|---|---|
| Lombard (NatWest) Large Plant | 4.0% | 4% – 11.5% | £25,000 | Cold planers, large graders, strong credits |
| Siemens Financial Services | 4.0% | 4% – 10% | £50,000 | Operating lease, large plant, blue-chip contractors |
| Caterpillar Financial | 3.9% | 3.9% – 9.9% | £10,000 | New Cat road plant from Cat dealers |
| Volvo CE Financial Services | 4.0% | 4% – 9% | £25,000 | New Volvo ABG pavers from Volvo dealers |
| Close Brothers All-Rounder | 4.5% | 4.5% – 12% | £10,000 | New & used, all brands, broad appetite |
| Novuna Business Finance | 4.5% | 4.5% – 12.5% | £5,000 | New equipment, fast decisions |
| Shawbrook Bank | 5.0% | 5% – 13% | £10,000 | Used plant, older assets, non-mainstream |
| Aldermore Bank | 5.5% | 5.5% – 14% | £5,000 | Sole traders, newer road surfacing SMEs |
Rates indicative as of October 2026. Manufacturer finance rates (Cat FS, VCEFS) apply to new equipment only from authorised dealers.
More road construction finance guides
Lender and manufacturer finance compared
Each lender's rates, criteria and when it fits, plus manufacturer finance against an independent broker, October 2026.