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Written by David Doulton · Last updated November 2026
Tipper hire operators - companies that hire out tipper trucks with or without drivers to construction principals, groundworks contractors and quarry operators - represent a distinct sub-sector of the HGV market. With seasonal demand, project-based revenues and high asset utilisation, tipper hire businesses have specific finance requirements. Doulton Bridging Finance works with specialist lenders experienced in the tipper hire sector.
Finance Structures for Tipper Hire Operators
HP for tipper hire
Most common. Own the trucks at end of term. Monthly payments fixed. For fleet operations, HP payments can be matched to expected utilisation income.
Finance lease for tipper hire
Lower monthly payments than HP, with residual at end of term. Some tipper hire operators use finance lease to manage cash flow on new fleet acquisitions.
Sale and leaseback
Release equity from tippers you own outright. The lender buys your vehicles and leases them back at a fixed monthly rate. Frees working capital for fleet expansion or other business needs.
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.
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