Truck Finance

Construction Truck Finance - Tipper, Flatbed & Site Truck Finance

The construction sector is one of the largest users of heavy goods vehicles in the UK.

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Doulton Money Limited · FCA No. 814533 · No obligation enquiry

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Fill in the form. It takes about 2 minutes.
We'll email you back with any additional questions, then match you with the right specialist for your situation.
A specialist independent broker will contact you to discuss your situation and present options.

Written by David Doulton · Last updated November 2026

The construction sector is one of the largest users of heavy goods vehicles in the UK. From 7.5t tipping skip loaders serving small contractors to 32t 8-wheel aggregate tippers serving quarries and major road builders, Doulton Bridging Finance works with lenders who understand construction sector operating economics and the demands placed on vehicles in this environment.

Common Construction Truck Finance Scenarios

Groundworks contractor

1–3 tippers (7.5t or 18t), skip loader. HP with seasonal payment profiles sometimes available through specialist lenders.

Aggregates and quarrying

32t 8-wheel tippers, possibly HIAB crane for site deliveries. HP or finance lease depending on company structure.

Major housebuilder supply chain

Multiple flatbeds and curtainsiders for materials delivery. Fleet finance packages with predictable monthly costs.

Plant hire with transport

Low-loaders for plant delivery, flatbeds for materials. Can be financed alongside plant and machinery through the same specialist lenders.

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FAQs

Frequently asked questions

Do I need an O-licence for construction trucks?

If carrying goods for hire or reward (i.e. charging customers), yes - a Restricted O-licence at minimum. For own-account operations (carrying your own materials to your own sites), different rules apply. DVSA guidance on this is specific - we recommend confirming your situation with a transport consultant.

Can I finance a tipper for a new construction business?

Challenging but possible. Larger deposits, signed contracts with groundwork principals and evidence of construction industry experience help significantly. We know which lenders are most flexible for construction startups.

What is a HIAB crane-bodied truck and can it be financed?

A HIAB (or Palfinger) crane is a hydraulic lorry loader fitted to a truck, allowing self-loading and unloading of materials on site. These are financed as a whole asset (chassis + crane body) at slightly higher rates than standard trucks. From 5.5% APR on new, strong credit.

Can I bundle truck and plant finance in one application?

In some cases yes - specialist asset finance lenders who cover both sectors can consider a combined application. Contact us with your full requirement and we will advise on the best approach.

Truck Finance Truck Hire Purchase Rates Truck Finance Lease Rates Operator's Licence Guide Haulage Company Finance Truck Finance Tax Guide

Doulton Money Limited t/a Doulton Bridging Finance. FCA No. 814533. Company No. 14303203. 20 Wenlock Road, London N1 7GU. Commercial vehicle finance is not regulated by the FCA. Rates indicative only. Subject to credit assessment, trading history, asset type, operator licence status and lender criteria. Rates correct November 2026.