Asset finance
Spread the cost of plant, machinery and tools while preserving working capital on site.
Construction & trades
Plant hire finance
Plant hire firms invest continuously in fleet quality and availability. Tera helps hire companies explore asset finance and business loans to grow fleet, replace ageing kit and manage seasonal demand.
What is plant hire companies finance?
Construction and trade businesses often need funding for plant, vehicles, materials and contract mobilisation. Commercial finance can spread major costs and support cash flow between stage payments — Tera helps you prepare a clearer application as a broker, not a lender.
Business loans
Fund contract starts, materials and short-term cash flow between payments.
Vehicle finance
Finance vans, pickups and site vehicles without a large upfront outlay.
Who needs plant hire companies finance?
- Tool and small plant hire firms : Businesses investing in equipment, vehicles or premises
- Heavy plant and access hire operators : Owners managing cash flow between customer payments
- Regional hire businesses expanding fleet : Operators planning growth or replacing ageing assets
- Companies upgrading fleet for compliance or efficiency : Businesses seeking specialist broker guidance through the process
Why Tera?
Fleet investment expertise
We help hire businesses present utilisation, maintenance and replacement cycles in a way lenders understand.
Flexible structures
Explore hire purchase, finance lease and loan options depending on how you manage fleet on your balance sheet.
One point of contact
A Tera specialist coordinates your application and keeps next actions visible throughout the process.
Broker clarity
Tera Business Finance LTD is a credit broker, not a lender. We explain options honestly and there is no obligation to proceed.
Tera Business Finance LTD is a credit broker, not a lender, and an Appointed Representative of [Moorgate legal entity]. Finance is subject to status and lender terms.
Plant Hire Companies finance FAQs
Common questions about commercial finance for this sector. Figures are indicative only and not offers.
Ready to explore your options?
Start Tera's short assessment for plant hire companies — a specialist will review your requirement and discuss suitable routes.
Guides and insights
Useful reading for plant hire companies businesses
Practical guides and product explainers relevant to plant hire companies — from application preparation to common funding routes.
Cash flow
The construction cash-flow trap: Why more work can leave builders short of cash for plant hire companies
More work does not always mean more available cash. See how materials, labour, staged payments and retentions can put growing construction businesses under pressure.
6 August 2026 · 12 min read
Read guide
Guides
Construction finance for builders and trades: A practical UK guide for plant hire companies
From materials and equipment to vehicles, payroll and contract cash flow, explore the finance options available to UK builders and construction businesses.
29 July 2026 · 12 min read
Read guide
Guides
Business loan declined? Why it happens and what to do next for plant hire companies
A declined application does not always mean your business is unfinanceable. Here is how to understand the decision and decide what to do next.
24 July 2026 · 10 min read
Read guideBusiness insurance
Protect your plant hire companies business
Explore cover that may be relevant for your people, premises, equipment and operational risks.