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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Can you finance a tarmac paver?
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.
Used kit: 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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What would a tarmac paver 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
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.
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 |
|---|---|
| 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 |
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Who buys one
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.
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.
Tarmac paver finance questions
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.
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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