Tarmac paver finance
A paver is the machine that turns a surfacing gang into a surfacing contractor, and it is bought when subcontracting the laying stops making sense.
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Yes. Asphalt pavers are funded as specialist hard plant on hire purchase or lease, new or used. Vogele, Dynapac, Bomag and CAT machines all have an established used market among surfacing contractors. The factor buyers overlook is the screed. A paver’s value and its capability sit largely in the screed unit, its width range, its heating system and its condition, and a machine with a worn or wrongly specified screed cannot lay to the width your contracts require. Check the screed extension range against the work you actually do before you commit.
Who finances this
Surfacing contractors stepping up from hand-lay gangs, civils firms self-delivering estate roads and car parks on their own developments, and highways maintenance contractors on council term work. The trigger is typically a contract with enough continuous laying in it to justify the machine outright, or repeated frustration with subcontract laying gangs whose availability dictates the programme and whose day rates keep climbing. Councils and airport estates teams occasionally buy compact pavers for the same reasons.
How lenders see it
Surfacing plant is written by funders with highways experience. The asset is solid and the marques are recognised, but the market is seasonal and funders know it: laying volumes collapse in winter and rise sharply through the drier months, so a surfacing contractor’s bank statements look uneven by nature. A funder who understands the sector reads that correctly; a general lessor may not. Screed condition, hopper and conveyor wear and track or tyre condition drive the used valuation. The strongest applications carry a named framework or a run of committed laying work. The weakest are gangs with no laying contracts buying a paver on the expectation of winning them, or businesses whose accounts show that the seasonal dip is not covered by anything else.
Buying used
Yes. Used pavers fund well to around eight or nine years, with screed condition and heating system function mattering more than hours.
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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.
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Machines we have funded
| Vogele Super 700 | Mini paver for footpaths and driveways |
|---|---|
| Vogele Super 1300-3i | Compact tracked tarmac paver |
| Vogele Super 1800-3i | Highway class tracked paver |
| Dynapac F1000T | Compact tracked asphalt paver |
| Dynapac F1800W | Wheeled highway asphalt paver |
| Bomag BF 300 | Compact tracked paver for estate roads |
| Bomag BF 600 | Mid size asphalt paver |
| CAT AP300F | Compact wheeled asphalt paver |
| CAT AP355F | Tracked asphalt paver for surfacing work |
| Volvo P6820D | Tracked paver for highway surfacing |
What a tarmac paver actually costs to buy
Prices for a tarmac paver advertised by UK suppliers run from £4,250 to £146,392 (checked 28 October 2026).
The model generation, not hours or calendar age, is the hidden price lever: a 2015 Caterpillar AP-300D and a 2017 Caterpillar AP-300F both sat on identical 3,700 hours on machinerytrader.co.uk, yet the newer F-series machine was priced at £46,009 against £29,000 for the D-series, a £17,009 (59%) gap for the same wear and only two model years apart. Within any one model, hours track price as expected (two 2006 ABG Titan 473-2s at 9,242 and 9,921 hours were close together at £8,500 and £7,750), but jumping a model letter buys far more than hours alone would predict.
| Machine | Asking price | Seen at |
|---|---|---|
| BGP 200 wheel asphalt paver, 5,190 hours | £4,250 VAT not stated | machinerytrader.co.uk |
| 2006 ABG Titan 473-2 wheel asphalt paver, 9,921 hours | £7,750 VAT not stated | machinerytrader.co.uk |
| 2006 ABG Titan 473-2 wheel asphalt paver, 9,242 hours | £8,500 VAT not stated | machinerytrader.co.uk |
| 2008 Caterpillar AP-300 wheel asphalt paver, hours not stated | £8,950 VAT not stated | machinerytrader.co.uk |
| 2004 Bitelli BB632 paver finisher, 6,546 hours, 1.7-3.2m hydraulic paving width | £10,500 VAT not stated | plantpages.co.uk |
| 1994 Bitelli BB650 wheel asphalt paver, 9,436 hours | £11,000 VAT not stated | machinerytrader.co.uk |
| 2014 Caterpillar AP-300D wheel asphalt paver, 6,244 hours | £12,950 VAT not stated | machinerytrader.co.uk |
| BG210 2nd Generation (Bitelli) asphalt tarmac paver, 6x4 wheel drive, hours not stated | £18,500 VAT not stated | plantpages.co.uk |
| 2011 Volvo ABG 6870 paver, 9,227 hours | £23,000 VAT not stated | plantpages.co.uk |
| 2015 Caterpillar AP-300D wheel asphalt paver, 3,700 hours | £29,000 VAT not stated | machinerytrader.co.uk |
| 2013 Bomag BF300P wheel asphalt paver, 4,400 hours | £30,115 VAT not stated | machinerytrader.co.uk |
| 2017 Caterpillar AP-300F wheel asphalt paver, 3,700 hours | £46,009 VAT not stated | machinerytrader.co.uk |
| 2019 Bomag BF223C track asphalt paver, 3,300 hours | £48,518 VAT not stated | machinerytrader.co.uk |
| 2018 Caterpillar AP-500F wheel asphalt paver, 3,600 hours | £59,600 VAT not stated | machinerytrader.co.uk |
| 2022 Bomag BF700C-3 track asphalt paver, 2,000 hours | £146,392 VAT not stated | machinerytrader.co.uk |
Prices checked 28 October 2026 on machinerytrader.co.uk, plantpages.co.uk. These are asking prices observed on dealer and marketplace listings, shown as examples. They are not a quote or an offer of finance, and they move with the market. Check the current advert before budgeting.
How finance works on a tarmac paver
The prices above are what a seller is asking. What a funder will actually do with the purchase is a separate question, and it is the one that decides whether the deal happens.
| Question | Typical answer |
|---|---|
| Term available | 12 to 72 months. Most agreements sit between 24 and 60 months; anything shorter or longer needs a funder check before you rely on it. |
| Age of the asset | There is no single cut-off. It depends on the asset class, and condition, hours and resale value are underwritten rather than the year alone. Tell us the age and we will say before you commit. |
| Buying from a private seller | Often possible, but case by case. It needs a funder who will write it, an inspection and proof of ownership, so say whether the seller is a dealer or a private seller when you enquire. |
| Deposit | Frequently nil where the credit profile is standard. Where it is not, typically 10–20%, nearer 20% if a default is recent. |
| VAT on the purchase | Both approaches exist, depending on the funder. The agreement is commonly written on the ex-VAT price with the VAT paid upfront and reclaimed, though some funders will include the VAT in the agreement. |
General guidance from our own funder panel as at 31 October 2026, not a quote and not an offer of finance. All finance is subject to status and to the funder's own criteria.
Does seasonality make surfacing finance harder?
Only with the wrong funder. Surfacing income is naturally seasonal and funders with highways experience expect it. Provide a full year of figures rather than a quarter so the pattern is visible. Some funders can shape repayments to reflect the laying season, which is worth asking about at the application stage.
Why does the screed matter so much?
Because it determines what widths you can lay and the quality of the finish, and it holds a large part of the machine’s value. A used paver with a tired screed or a faulty heating system is a limited machine. Get the screed inspected and check its extension range matches the contracts you are targeting.
Can I fund a paver and a roller as one package?
Yes, and it is a sensible way to equip a laying gang. Both on one supplier invoice can sit under one agreement, or we can split them so you can change one without the other. A combined package also reaches a size funders take seriously rather than two small applications.
Can a hand-lay gang step up to a paver on finance?
Yes, with evidence. A gang with an established client base and a contract with enough continuous laying to justify the machine is a reasonable case. Funders are more cautious where a business has never run a paver and has no committed laying work, in which case a used compact machine with a contribution is the realistic route.
Is a wheeled paver treated differently to a tracked one?
Not materially for the finance. Wheeled machines suit smaller urban jobs and move more easily between sites; tracked machines suit larger continuous laying. The used market accepts both. What matters far more to a funder is screed condition, the marque and the work behind the purchase.
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