13 tonne excavator finance
Thirteen tonnes is the workhorse size for UK civils — big enough for deep drainage and bulk dig, small enough to move on a standard low loader.
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Can you finance a 13 tonne excavator?
Yes, and it is one of the most comfortable sizes to place. A 13 tonne tracked excavator is prime hard security: the class is in constant demand, values are well documented, and a funder taking one back can move it quickly. Both new and used qualify, with reduced tail swing variants commanding the strongest interest because they suit constrained urban sites. The catch is transport and weight rather than credit — once you factor in a hitch, a full bucket set and a quick coupler, a nominal 13 tonne machine can push past what your existing trailer is plated for, and funders will not fund a trailer upgrade as an afterthought.
Used kit: Yes. Used 13 tonne machines are funded regularly; expect more scrutiny of hours and undercarriage condition once a machine is past about eight years.
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What would a 13 tonne excavator cost per month?
Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. A quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
How lenders treat it
At this size the funder starts underwriting the business as much as the machine. Resale depth remains excellent and export demand is strong for the major marques, so security is not usually the issue. Expect bank-owned lessors and the larger independents to compete, with captive finance from the manufacturer often sharpest on new stock. Declines here tend to come from serviceability rather than character: a balance sheet that will not carry another agreement, heavy existing plant commitments, or a sudden jump in machine size with no matching jump in contract value. Show the contract or framework behind the purchase and the application changes tone. Hire fleets are judged on utilisation rates and the average age of the fleet, owner-operators on the strength of the work in hand.
Makes and models we fund
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| JCB 131 X | 13 tonne tracked excavator |
| JCB 140X | 14 tonne site excavator |
| Hitachi ZX135US-7 | 13 tonne short tail excavator |
| CAT 313 | 13 tonne excavator for general earthworks |
| CAT 315 | 15 tonne general purpose excavator |
| Komatsu PC138US-11 | 13 tonne short tail swing machine |
| Volvo ECR145EL | 14 tonne reduced swing excavator |
| Develon DX140LCR-7 | 14 tonne reduced radius excavator |
| Takeuchi TB2150 | 15 tonne tracked excavator |
| Hyundai HX130A LCR | 13 tonne reduced radius machine |
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Who buys one
Civils subcontractors and drainage specialists who have outgrown a midi, along with muck-away and demolition enabling works firms who need reach and tear-out power without stepping into a 20 tonne machine. The trigger is usually a specific contract: a Section 278 highways job, a deep attenuation scheme, or a main contractor asking whether you can self-deliver the bulk dig. Plant hire companies buy this size to feed housebuilder sites.
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We publish the deals we arrange, with no client named and no rate quoted. See what we have funded in plant and construction.
How it is treated for tax
Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
13 tonne excavator finance questions
Can I get a 13 tonne excavator on finance against a contract?
Often yes. A signed subcontract or framework order does not replace credit underwriting, but it materially strengthens a marginal case by showing where the repayments come from. Send the order value, the duration and the main contractor’s name with the application rather than waiting to be asked for them.
How many hours is too many on a used 13 tonne digger?
There is no single cut-off. Funders look at hours against age and against condition, so a well-maintained machine with high hours and a full service history can be an easier proposition than a neglected low-hour one. Undercarriage condition tends to drive the valuation more than the hour meter does.
Can I refinance an excavator I already own outright?
Yes. Refinancing releases capital against a machine you own free of finance, which can fund a deposit elsewhere or simply restore working capital. The funder values the machine, takes title and repays you the agreed sum. Age and condition drive how much is available, so send photographs and the service record.
Does the type of work affect the finance?
It can. Demolition, quarry and recycling applications are harder on a machine than housebuilding groundworks, and some funders price or structure differently as a result. Being upfront about the application is better than being vague, because an inspection at the end of the agreement will reveal it anyway.
Can two machines go on one agreement?
They can, but it is often better to keep them separate. Separate agreements let you settle or refinance one machine without disturbing the other, and they make part exchanging simpler later. Where the machines are bought together from one supplier, a single agreement can reduce paperwork. We will suggest which suits.
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
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