Concrete pump finance
Concrete pumping is a specialist business with a small number of operators, and funders assess the pump as much on who is running it as on what it is.
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Can you finance a concrete pump?
Yes. Truck-mounted boom pumps and trailer-mounted line pumps are funded as specialist plant, new or used, on hire purchase or lease. Established makes such as Putzmeister, Schwing and Cifa have a genuine international used market, which supports the security. What buyers underestimate is inspection and certification. A boom pump is lifting-adjacent equipment with a structure that must be examined and maintained, and boom hours, weld condition and a current examination record drive the value far more than the mileage on the chassis. A pump with missing boom inspection history is difficult to fund at any age.
Used kit: Yes, where the boom examination and service history are complete — used pumps up to around eight to ten years are regularly funded.
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What would a concrete pump 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
This is a small specialist market and funders treat it as such. Values are high, the buyer pool is a handful of pumping firms, and disposal on default means finding another operator rather than running the machine through a general plant auction. That pushes the deal to independents with specialist plant or bodied vehicle experience, and to manufacturer-linked funders on new units. Boom structure certification is the pivot point for valuation on anything used. Funders also look at operator availability, because a pump without a trained pump operator is a parked asset, and at the customer concentration behind the income. Established pumping companies with a spread of contractor customers get a straightforward hearing. A general contractor buying a first pump on the back of one project does not.
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 |
|---|---|
| Putzmeister M24-4 | Truck mounted boom pump |
| Putzmeister M36-4 | Larger truck mounted boom pump |
| Putzmeister P715 | Trailer mounted line pump |
| Schwing S 36 X | Truck mounted concrete boom pump |
| Schwing S 28 X | Compact truck mounted boom pump |
| Cifa K41H | High reach truck mounted pump |
| Cifa Carbotech K31H | Carbon fibre boom pump |
| Sany SYG5230 | Truck mounted concrete pump |
| Brinkmann 450 | Trailer mounted concrete pump |
| Mecbo Carrot P4.65 | Compact trailer line pump |
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Who buys one
Concrete pumping specialists running one or two units, larger groundworks and civils contractors bringing pumping in-house after repeated subcontract costs, and formwork and structures contractors on high-rise or deep basement work where placing by skip is impractical. The trigger is almost always volume: once pumped pours become weekly rather than occasional, hiring in a pump with an operator stops making sense.
Get a quoteor call 07581 364281
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.
Concrete pump finance questions
Why does boom inspection history matter so much?
Because the boom is the structural heart of the machine and its condition determines whether the pump can work safely at all. Funders value a used pump on the assumption that the boom is sound, and the only evidence of that is a complete examination and service record. Missing history makes an otherwise good machine very hard to place.
Can a groundworks contractor finance its first concrete pump?
It is possible but it needs supporting. Funders will want to see the volume of pumped pours you currently subcontract, evidence you have an operator, and a sensible view on what the machine does between your own projects. A line pump is a far easier first step than a truck-mounted boom.
Is a trailer line pump easier to fund than a boom pump?
Considerably. The value is lower, the machine is simpler, and there are more small operators buying them second hand. Line pumps often qualify for a more streamlined process. Boom pumps are large-ticket specialist assets and are underwritten with proper scrutiny of the business behind them.
Can I fund pipeline, hoses and clamps with the machine?
Yes, where they are itemised on the supplier invoice. Delivery line, reducers, hoses and clamps are a real cost on a pumping setup and it makes sense to fund them with the pump. Bought later as consumables from a parts supplier, they will not be added to an existing agreement.
Does the chassis or the pump drive the valuation?
The pump body. A truck chassis is liquid and easy to value, but the majority of the money and the specialism sit in the pumping equipment and the boom. That is why funders focus on boom certification, pumped hours and condition rather than on chassis mileage when they assess a used unit.
Get a quoteor call 07581 364281
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
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