Digger Finance – Fast, Flexible Asset Finance for Your Business
At First Oak Capital, we make financing heavy machinery straightforward with stress-free digger finance. Whether you’re replacing a mini digger, expanding with a new 13-tonne excavator, or investing in specialist equipment for your construction or groundwork business, we offer tailored digger finance to help you move forward.
We specialise in asset finance for businesses across the UK, with flexible hire purchase and leasing options for new and used diggers. From limited companies to sole traders borrowing over £25,000, we help you secure the equipment you need—without the red tape.
Why Choose First Oak Capital for Digger Finance?
- Decisions in 24–48 Hours – No long waits
- Finance for New & Used Equipment – From main dealers or private sellers
- Hire Purchase & Lease Options – Choose the right fit for your cash flow
- New Business Friendly – We help new limited companies get started
- Support with Poor Credit – Specialist lenders available
- Dedicated Experts – A friendly, personal service from start to finish
We understand your sector, and we move fast so your machines can get to work.
What is Digger Finance?
Digger finance allows you to spread the cost of your new or used excavator over time, helping your business conserve cash and stay agile. At First Oak Capital, we offer:
- Hire Purchase – You own the machine at the end of the term
- Finance Lease – Lower monthly costs with flexibility at the end
We’ll help you choose the option that works best based on how long you want to keep the machine, your budget, and your tax position.
We Support New Limited Companies
Starting a new business? Many mainstream lenders and dealers hesitate when they see no trading history. But at First Oak Capital, we regularly help new limited companies and start-ups finance essential plant machinery.
We’ll present your case clearly to lenders, considering:
- Your industry experience
- Upcoming contracts
- Your growth plans and equipment needs
Even if you’ve been turned down elsewhere, we may be able to help.
Diggers We Finance
We can arrange finance for nearly any digger type, including:
- Mini diggers / micro diggers
- 6–9 tonne mid-range excavators
- 13–20 tonne site diggers
- Long-reach and zero-tail swing models
- Wheeled and tracked excavators
- Specialist or bespoke machinery
Brands we regularly finance include:
- Kubota
- JCB
- Hitachi
- Takeuchi
- Komatsu
- Volvo
- Doosan
- CAT
- Hyundai
We can also finance buckets, quick hitches, tilt rotators, and other essential attachments.
Used Digger Finance
We offer flexible finance for used diggers from dealers, auctions, or private sellers (subject to checks). Provided the machine is in working condition and priced fairly, we’ll help you secure the funding fast.
Used machinery can be a smart investment—and with the right asset finance package, it’s easier than ever.
Common Use Cases for Digger Finance
We work with clients across multiple sectors:
- Construction – For foundation work, landscaping, and demolition
- Groundworks – Drainage, utilities, and trenching
- Agriculture – Earthmoving, digging, and loading
- Plant Hire Firms – Growing or renewing a fleet
No matter your sector, we’ll help you secure the digger you need to stay competitive.
How the Process Works
We’ve made our digger finance process as simple as possible:
Step 1: Apply Online or Call Us
Quick, no-obligation chat to understand your needs
Step 2: Tell Us About the Equipment
New or used, dealer or private sale—we’ll work with it
Step 3: We Find the Right Lender
We match your situation to the best terms available
Step 4: Choose Your Offer
We explain your options clearly with no pressure
Step 5: Sign & Fund
Fast payout arranged so you can take delivery quickly
Apply Today – Get the Digger You Need
At First Oak Capital, we help you take control of your equipment needs. Whether you’re buying your first mini digger or expanding a fleet, we’re here to support your business with fast, honest, and flexible finance.
✅ New and used digger finance
✅ Hire purchase and lease options
✅ Support for new companies and poor credit
✅ Fast decisions, no-nonsense advice
Apply online by completing our short application form or call us now to speak with a specialist.
Q: Can I finance a used digger?
A: Yes, we finance both new and used machines.
Q: Do you help new businesses?
A: Yes, we specialise in working with new limited companies.
Q: Do I need a deposit?
A: Some lenders require one, but 100% finance is possible.
Q: Can I choose between hire purchase and leasing?
A: Yes, we’ll help you decide which is best for your needs.
Q: Can I finance attachments too?
A: Absolutely—buckets, tilt rotators, and more.
Q: Do you work with sole traders?
A: Yes, for deals over £25,000 in line with FCA rules.
Q: What if I’ve had poor credit?
A: We work with specialist lenders open to a range of credit profiles.
Q: How long does it take to get approved?
A: Often within 24–48 hours.
Q: Can I buy from a private seller?
A: Yes, subject to appropriate checks.
Q: Is early settlement allowed?
A: Yes, most agreements include that option.
Q: Can I finance attachments?
A: Yes, we can include forks, buckets, jibs, and more.
Q: Do you liaise with dealers or sellers?
A: Yes. We’ll manage the process from start to finish.
Q: Can I lease if I want to upgrade often?
A: Yes, leasing is ideal if you want lower payments and upgrade flexibility.