Low loader trailer finance
Owning the machine is only half the job, getting it to site is the other half, and plant trailers are funded on their own particular terms.
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Yes, but a trailer is usually funded separately from the plant it carries. Plant trailers and low loaders are road-going, plated and registered, which puts them closer to a commercial vehicle than to site plant in a funder’s classification, and some funders will not mix the two on one agreement. New and used both fund, and quality makes hold value well because demand never stops. The genuine trap is plating: buyers routinely purchase a trailer rated below what their loaded machine actually weighs once buckets, fuel and a hitch are on it. Check the real weights first.
Who finances this
Groundworks contractors moving their own excavators and dumpers between sites, plant hire companies delivering machines to customers, and small hauliers doing plant movements as a service. The trigger is usually the cost of third-party transport, once a business is paying for two or three machine moves a week, owning a trailer and doing it in-house pays for itself, particularly where site timings are unpredictable.
How lenders see it
Trailers sit on the boundary between plant and commercial vehicle funding, and which side they land on matters. Road-going plated trailers are identifiable by VIN, registered, and have a deep second-hand market among contractors, hauliers and farmers, so security is genuinely good and values hold up. But a plant funder set up for site machinery may decline to write a road asset, while a commercial vehicle funder takes it comfortably, which is precisely why the deal needs placing rather than guessing. Beavertail and step-frame low loaders for larger machines are more specialised and go to hauliers and heavy plant operators. Funders check that the trailer’s plated capacity is sensible for the applicant’s fleet, because an under-plated trailer signals an operator who has not thought the purchase through.
Buying used
Yes. Used plant trailers fund well, and a sound chassis with current plating remains fundable at ten years or more.
Also in plant and construction equipment finance
See everything we fund in plant and construction equipment finance →
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
| Ifor Williams GX106 | Compact plant trailer for mini diggers |
|---|---|
| Ifor Williams GX126 | Twin axle plant trailer |
| Ifor Williams GH1054 | Flatbed plant and goods trailer |
| Nugent P3718H | Heavy duty plant trailer |
| Nugent P3118H | Twin axle plant trailer with ramps |
| Brian James Cargo Digger Plant 2 | Low bed plant trailer |
| Brian James Tipper Trailer | Twin axle tipping trailer |
| Chieftain Plant Trailer | Tri axle low loader trailer |
| Dennison Step Frame Trailer | Step frame low loader semi trailer |
| Andover Trailers Step Frame | Step frame plant carrying trailer |
Can the trailer go on the same agreement as the digger?
Sometimes, but often not. Trailers are road-going and plated, which puts them in a different classification to site plant, and some funders will not combine the two. It is rarely a problem to fund both, it just may mean two agreements. Tell us at the outset that a trailer is part of the order.
How do I know what plated weight I need?
Take the machine’s operating weight, then add buckets, a hitch, a full tank and anything else travelling on the bed, and compare that against the trailer’s payload rather than its gross weight. Buyers routinely get caught out by the difference. Your dealer should confirm the figures in writing before you order.
Can a haulier finance a low loader for plant movements?
Yes, and hauliers are a natural fit for commercial vehicle funders. The application is assessed on the transport business itself, operator licence, customer base and existing fleet, rather than on plant criteria. A step frame or beavertail low loader is an established, well-valued asset in that market.
Is a used plant trailer a good buy on finance?
Often, yes. Trailers are simple, they last, and the chassis carries the value, so a well-maintained used trailer with current plating is a sound asset. Check the chassis, ramps, brakes and the plating certificate, and confirm the VIN matches the paperwork before completing the purchase.
Does the trailer need to be registered to the company?
Where trailer registration applies, the paperwork should be in the trading entity’s name to match the hirer on the agreement. Funders dislike documents in a director’s personal name because it blurs who is operating the asset. It is worth checking before delivery rather than trying to correct it afterwards.
Still choosing the machine? Plant Monthly is a UK marketplace of used plant machinery from dealers, with a monthly finance price on every listing.
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