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.
Used kit: 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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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).
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.
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 |
|---|---|
| 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 |
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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.
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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.
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.
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.
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.
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.
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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