Breaker attachment finance
A breaker is the attachment most contractors hire far too often before buying one, and it funds most easily when it arrives with the machine.
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Yes, though attachments behave differently to machines in a funder’s eyes. A hydraulic breaker bought on the same invoice as an excavator is funded without a second thought, as part of one identifiable package. A breaker bought on its own is harder: it has no hour meter a funder trusts, it is easily moved between machines and yards, and recovering one is much less straightforward than recovering a digger. It is still fundable, particularly for an established business or as part of a wider attachment order, but expect a shorter profile and sometimes a contribution.
Who finances this
Demolition and groundworks contractors breaking out concrete slabs, hard dig and old foundations, utilities gangs cutting through reinstated highway, and plant hire companies renting breakers alongside excavators. The trigger is repetition rather than any single job: once a contractor has hired the same size breaker three or four times in a season, the hire invoices have quietly paid for a good used one and the next hire starts to feel like money thrown away.
How lenders see it
Attachments sit awkwardly between hard and soft. The metal has real value and established brands like Epiroc, Rammer, Montabert and Indeco genuinely resell, but there is no registration, no meter and nothing stopping the item moving to another site. Funders therefore prefer breakers packaged with the carrier machine, where they form part of a single secured asset. Standalone attachment applications get scored more like soft assets, with a shorter profile and closer attention to the applicant’s trading history. Hire companies do better than owner-operators here because the attachment fleet has documented rental income behind it. A used breaker with unknown service history is the weak case; a recently rebuilt unit from a recognised dealer with paperwork is the strong one.
Buying used
Yes, where the seal and tool condition are documented, used breakers of six to eight years fund, ideally bundled with a carrier machine.
Also in plant and construction equipment finance
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Stage payments and retention
Flowzo funds the gap created by stage payments, long terms and retention, the cash flow problem the plant itself does not solve.
Buying plant at auction? We can give you an indicative decision before you bid, and we list every UK machinery auctioneer and livestock mart.
Machines we have funded
Typically £1,795–£2,990 + VAT to buy. New hydraulic excavator breakers for carriers from 0.5 tonne up to 10 tonnes; larger 12-16 tonne class breakers cost more.Checked 2026-10-18.
| Epiroc SB 302 | Hydraulic breaker for mini excavators |
|---|---|
| Epiroc SB 452 | Hydraulic breaker for midi excavators |
| Epiroc HB 2000 | Heavy hydraulic breaker for demolition |
| Rammer 155 | Small hydraulic hammer for mini excavators |
| Rammer 999 | Mid range hydraulic hammer |
| Rammer 3288 | Heavy duty hydraulic hammer |
| Montabert SC 8 | Silenced hydraulic breaker for built up areas |
| Montabert V 1600 | Large excavator mounted breaker |
| Indeco HP 1500 | Hydraulic hammer for demolition |
| Atlas Copco SB 152 | Compact hydraulic breaker for small machines |
Is it easier to finance a breaker with the digger?
Considerably. On one invoice with the carrier machine it becomes part of a single secured asset and funds on the machine’s terms. Bought alone it is assessed more like a soft asset because it cannot be traced or recovered as easily. If you know you need one, order it with the machine.
Can I finance a used breaker?
Yes, where the condition is evidenced. Seal condition, tool wear and any rebuild history are what matter, and a unit supplied by a recognised dealer with paperwork is far easier to place than a private purchase. Expect a shorter repayment profile than you would get on a machine.
Does the breaker need to match my excavator?
For the work, absolutely, an oversized hammer damages the carrier and an undersized one will not break out. For the funding, it matters because a mismatched attachment is harder to resell. Buy the size the machine is rated for and the dealer will specify the correct hitch and hoses to go with it.
Can I fund a set of attachments together?
Yes, and it is usually the better approach. A breaker, a selector grab, a compaction plate and a set of buckets on one invoice reach a total that funders take seriously and present as one package rather than several small awkward applications. Ask the dealer to itemise each attachment separately.
Do attachments need to be insured separately?
They should be listed on your plant policy with their own values, because insurers will not always pay out on items not specifically noted. Attachments are commonly stolen from sites and yards, so check they are named on the schedule rather than assumed to be covered under the machine.
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Prime is established and profitable with clean credit. Specialist covers newer businesses and credit that needs explaining, the asset carries part of the risk, so finance is often available where an unsecured loan is not.
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