Truck Finance

Flatbed Truck Finance - HP & Lease for Flatbed Lorries

Flatbed trucks offer maximum versatility for oversized, overweight or awkwardly shaped loads that cannot be carried in a curtainsider or box van.

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

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Written by David Doulton · Last updated November 2026

Flatbed trucks offer maximum versatility for oversized, overweight or awkwardly shaped loads that cannot be carried in a curtainsider or box van. Used extensively in construction, steel, timber, plant hire and abnormal load transport, flatbeds range from 7.5t to 44t artic combinations. Doulton Bridging Finance arranges hire purchase and finance lease on all flatbed configurations.

Flatbed Finance Rates - November 2026

GVW / Category	New Rate (HP)	Used Rate (HP)	Typical Term
7.5t flatbed - new	From 5.0% APR	From 5.5% APR	2–5 years
18t flatbed - new	From 5.2% APR	From 5.7% APR	2–5 years
26t flatbed - new	From 5.4% APR	From 5.9% APR	3–5 years
44t artic flatbed combo	From 5.5% APR (unit)	From 6.0% APR	3–5 years

Rates indicative only. Subject to credit assessment, trading history, asset type, operator licence status and lender criteria. Doulton Money Limited FCA No. 814533. Commercial vehicle finance is not regulated by the FCA. Rates correct November 2026.

Flatbed Body Types

Standard flatbed - timber, steel, plant, construction materials
Step-frame flatbed - lower loading height; better for machinery
Extendable flatbed / low-loader - abnormal loads, plant hire
Flatbed with headboard - prevents forward load movement
Flatbed with crane/HIAB - self-loading; specialist rate applies

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FAQs

Frequently asked questions

Can I get finance on a low-loader?

Yes. Low-loaders (typically step-frame trailers with hydraulic ramps) are financed as specialist HGV assets. Rates are fractionally higher due to specialist nature. Contact us for a specific quote.

Can a flatbed carry abnormal loads legally?

Oversized loads require Special Types General Order (STGO) compliance, possibly police escorts and route surveys. The vehicle itself does not require different finance - the abnormal load permit is a separate matter.

What is the difference between a flatbed and a low-loader?

A flatbed has a flat deck at standard trailer height. A low-loader (step-frame) has the deck lower than the fifth wheel height, reducing overall height for tall machinery. Low-loaders are more expensive new and used.

Can I finance a flatbed with a HIAB crane?

Yes. HIAB or Palfinger crane-bodied flatbeds are financed as a whole asset. The crane body adds value and complexity. Rates are marginally higher than standard flatbed - from 5.5% APR (new, strong credit).

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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.