Digger finance that keeps your jobs moving and your business earning.

On site, progress depends on having the right machine ready to go. If your digger isn’t available, everything slows down, groundworks stall, teams wait and deadlines start slipping.

Digger finance gives you the ability to secure the right machine when you need it, without tying up the cash your business relies on. Instead of hiring, delaying or making do, you can take control and keep your projects moving.

Finance built around the reality of site work.

Diggers aren’t occasional assets. They’re at the centre of the job, used daily and expected to perform without fail.

Be ready when the work starts

When a project begins, there’s no time to wait for equipment. Having funding in place means you can secure the right machine and get started immediately.

We manage the entire process

We partner with large panel of lenders, giving you more choice, stronger terms and funding that works in your favour.

We only arrange bespoke funding options

This isn’t about generic finance, it’s about keeping your site running and your team productive.

Funding for startups and new limited companies.

We work with startups and new limited companies to secure funding that supports real growth, without delays or complexity.

Invest in the right machine without putting pressure on your cash flow.

A digger is a major investment, and committing large capital upfront can impact everything else, wages, materials and your ability to take on more work.

First Oak Capital helps you spread the cost in a way that keeps your business stable. You still get the machine you need, but without restricting your ability to operate and grow.

So instead of holding back, you can move forward with confidence.

Check your eligibility, without affecting your credit score.

It only takes a few moments to check your eligibility and explore the funding options available to your business. There is no obligation, and our team will be ready to help guide you through the process.

Apply for funding

Tell us a little about you, your business and what you are looking to fund.

Application review

A dedicated specialist takes time to understand your objectives and financial position. We then collect any other information needed to move forward.

Funding options

We search our lending panel, manage the application process, and present suitable offers for you to consider, with no pressure to proceed.

Funds sent

After approval, funds are transferred to your business account or paid directly to a supplier, so you can move ahead without delay.

Funding that works as hard as your equipment.

Diggers are worked hard, often in demanding conditions. The finance behind them needs to be just as dependable.

That’s why funding is typically secured against the machine itself, keeping everything simple and focused. No unnecessary complications, just a clear structure that supports how your business runs.

Payments are predictable and manageable, giving you control while your equipment is out earning.

Hire Purchase (HP)

You pay fixed monthly instalments over an agreed term and automatically own the vehicle once the final payment is made.

Benefits
Clear ownership, fixed costs and long term security for businesses that plan to keep vehicles.

Finance Lease

You use the vehicle for most of its working life and settle a small remaining value at the end or upgrade.

Benefits
Lower monthly payments and flexibility to refresh vehicles as your business evolves.

Contract Hire

You pay to use the vehicle for a fixed period and return it at the end of the agreement.

Benefits
Predictable budgeting with no ownership risk or resale concerns.

Asset Refinance

Funding is released against vehicles you already own while you continue using them as normal.

Benefits
Unlocks cash tied up in assets without interrupting operations.

Balloon Payment Finance

Monthly payments are reduced with a larger optional final payment if you want to keep the vehicle.

Benefits
Improves monthly cash flow while keeping ownership flexible.

Keep projects on track and your reputation strong.

Delays caused by unreliable or unavailable equipment don’t just cost time, they affect how your business is seen.

With the right digger in place, you keep jobs moving, meet deadlines and deliver the consistency that builds trust and repeat work.

First Oak Capital helps you stay in that position, equipped, reliable and ready for the next project.

Digger finance built around where your business is going.

This isn’t just about buying a machine, it’s about putting your business in a stronger position to take on bigger projects, improve efficiency and grow with confidence.

First Oak Capital takes the time to understand how you operate, the type of work you take on and where you want to go next. From there, funding is structured to support that direction, not restrict it.

You get clear options, straightforward terms and a setup that works in the real world, not just on paper.

When you’re ready to invest, the objective is simple. Get the right machine on site, keep your projects moving and build a stronger, more capable business.

Tailored funding, built around your business.

Whether you are starting out or scaling up, we help you access the right finance that you need to support your next stage of growth.

Trusted since 1994

Decades of real-world experience means you get guidance you can rely on, not guesswork.

Competitive rates that work for you

Finance structured to support your growth, while keeping costs under control and predictable.

Access to 100+ UK lenders

A wide panel of lenders gives you more choice, better terms and funding tailored to your business.

FAQ

Digger finance FAQs.

Choosing the right finance solution for your business often raises important questions.

Whether you are exploring funding for growth, managing cash flow pressures or investing in vehicles and equipment, understanding how different finance options work can make the process clearer.

If you have any specific question please contact us or call our team on 0800 066 3677.

What is Digger Finance?

Digger finance allows you to secure the right machine for your job without tying up your business cash flow.

Why is Digger Finance important for my business?

Digger finance ensures your projects keep moving by providing the funding needed to have the right machine available when required.

How does Digger Finance support on-site progress?

Digger finance helps in avoiding delays, stalled groundworks, and missed deadlines by enabling you to access the necessary equipment promptly.

What sets Digger Finance apart?

Our Digger Finance is tailored to the specific needs of site work, ensuring you have the right machine ready for daily use without financial constraints.

How does the application process for Digger Finance work?

You can apply for Digger Finance online by providing details about your business and funding requirements. We then review your application and present suitable funding options.

What are the benefits of Hire Purchase (HP) financing?

With HP financing, you make fixed monthly payments over an agreed term and automatically own the vehicle at the end. This provides clear ownership and predictable payments.

How can Digger Finance help in managing cash flow?

Digger Finance allows you to invest in the right machine without putting pressure on your business cash flow, enabling stable operations and growth.

Why should I consider Digger Finance for my equipment investment?

Digger Finance helps spread the cost of major investments like diggers, ensuring you get the equipment you need without restricting your business’s financial flexibility.

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