Concrete mixer truck finance
Mixer trucks are single-purpose machines tied to concrete supply, so funders look closely at where the work and the material are coming from.
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Yes. A concrete mixer truck funds as a commercial vehicle with the drum and its drive treated as specialist equipment. Used mixers fund, though the panel is narrower than for general haulage. The point that decides these applications is the supply relationship: a mixer only earns if there is concrete to carry, so funders want to know whether you are contracted to a batching plant, operating your own plant, or running a volumetric mixer that batches on board. Owner-drivers contracted to a national supplier are a well-understood proposition; unattached mixers are not.
Who finances this
Owner-drivers contracted to a ready-mix supplier, independent concrete suppliers running their own plant, and groundworks firms with enough pours to justify supplying themselves. Volumetric mixers attract a different buyer, contractors doing small variable pours who want to batch on site and avoid paying for part loads. Some are rural and agricultural contractors pouring slabs and yards a long way from the nearest batching plant, where a delivery window cannot be relied on.
How lenders see it
Mixers are among the most specialised bodies in the sector. The drum has no alternative use, so resale depends entirely on other concrete operators wanting it, and funders price that narrowness in. Drum condition is checked carefully because build-up, wear and drive problems are expensive. Volumetric mixers are more complex again, with augers, bins and metering gear, and sit with an even smaller panel. Operator assessment is contract-led. An owner-driver on a supplier contract is underwritten personally but with the contract as the anchor, credit file, homeowner status, years in the trade. Independent suppliers are read from accounts and plant ownership. New entrants with no supply agreement and no batching relationship are the standard decline.
Buying used
Yes, used mixers fund, usually to around eight to ten years, with drum wear and drive condition deciding more than chassis mileage.
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Fuel and wages before the invoice clears
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Machines we have funded
| Scania P360 8x4 mixer | Eight-wheel mixer for ready mix work |
|---|---|
| Volvo FM 410 8x4 mixer | Mixer chassis for site deliveries |
| DAF CF 400 mixer | Popular eight-legger mixer chassis |
| MAN TGS 32.400 mixer | Robust chassis for continuous mixer duty |
| Mercedes-Benz Arocs 3236 mixer | Construction chassis with mixer drum |
| Iveco Trakker AD340T mixer | Off-road biased mixer for rough sites |
| Hymix mixer drum | British-built mixer barrel and chutes |
| Cifa mixer drum | Lightweight drum for extra payload |
| McPhee mixer drum | Mixer drum built for UK operators |
| Mercedes-Benz Econic 3235 mixer | Low entry mixer for city sites |
What a concrete mixer truck actually costs to buy
Prices for a concrete mixer truck advertised by UK suppliers run from £12,500 to £149,950 (checked 28 October 2026).
The drum is a separate asset from the chassis: a bare 16.5m3 Secatol body lists at £20,000 against £90,000 new, and 8x4 demount chassis carry interchangeable mixer/tipper bodies. So axle count and plated weight, not age, set the drum volume that drives resale.
| Machine | Asking price | Seen at |
|---|---|---|
| 2015 Mercedes-Benz Arocs 2632 6x4 concrete mixer, 280,000km, one owner, Mercedes-maintained | £12,500 | truckpages.co.uk |
| 2013 DAF CF75.360 8x4 mixer | £16,950 | truckpages.co.uk |
| 2019 Secatol CTM PSE 16.5m3 mixer body only (unused, auto lube, electric motor; new cost quoted £90,000) | £20,000 | truckpages.co.uk |
| 2017 Scania P370 8x4, 8m3 Hymix drum, manual gearbox, 277,000km, 1 year MOT | £28,995 | truckpages.co.uk |
| 2019 Scania P370 XT 8x4 demount with CIFA 8m3 mixer plus Wilcox insulated tipper body, 290,000km, Scania R&M | £50,000 | truckpages.co.uk |
| 2026 Mercedes-Benz / IMER LT 9.7 SL 9m3 truck mixer (near-new, listed "used") | £140,000 | utranazz.com |
| 2025 DAF XDC 450 / IMER 9.7 SL 9m3 truck mixer | £145,000 | utranazz.com |
| New 2026 Mercedes-Benz Arocs 5 3240 B 8x4 concrete mixer | £149,950 | truckpages.co.uk |
Prices checked 28 October 2026 on truckpages.co.uk, utranazz.com. 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 concrete mixer truck
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.
Can I finance a mixer as an owner-driver on a supplier contract?
Yes, and it is the most common route into mixer ownership. Funders understand the model: the supplier provides the concrete and the work, you provide the truck. The contract anchors the application, and the rest is personal underwriting, credit file, homeowner status and how long you have driven mixers. Bring the contract to the application.
Is a volumetric mixer harder to fund than a drum mixer?
Usually, yes. A volumetric carries aggregate, cement and water separately and batches on board, which makes it a more complex machine with more to go wrong and a smaller second-hand market. Funders who write them exist but the panel is narrow. The upside is that volumetric operators are often independent of batching plants, which helps the income story.
What condition issues matter on a used mixer drum?
Build-up inside the drum, worn blades, and problems with the drive and gearbox that turn it. A drum that has not been cleaned properly over its life can carry a serious weight of hardened concrete, which costs payload and money to remove. Funders inspect drums on used purchases precisely because this is so common.
Do I need my own batching plant to get a mixer funded?
No, but you need a credible source of concrete. That can be your own plant, a supply contract with a ready-mix producer, or a volumetric setup where you batch on board. Funders ask because a mixer with nothing to carry cannot generate income. The answer shapes which part of the panel we approach.
How many mixers can I fund at once?
It depends entirely on the strength of the business and the work behind it. An established supplier expanding a fleet can fund several on a block facility. An owner-driver is funding one. Funders look at whether the volume of work genuinely supports the number of trucks, because underutilised mixers are how concrete operators get into difficulty.
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