Mini Digger Finance

Mini Digger Finance – Fast, Flexible Asset Finance Tailored to Your Business

At First Oak Capital, we understand that when you need a mini digger, you need it fast—and you need finance that works just as hard as you do. Whether you’re a groundworker starting out, a contractor expanding your fleet, or a plant hire firm adding new machines, our mini digger finance solutions are designed to get you the equipment you need, without delays or headaches.

We offer tailored asset finance for both new and used mini diggers, with hire purchase and finance lease options available. We work with limited companies, start-ups, plant hire firms, and sole traders (borrowing £25,000 or more) to make machinery finance straightforward, competitive, and accessible—even if you’ve had credit challenges in the past.

Why Choose First Oak Capital for Mini Digger Finance?

We’re specialists in asset finance for construction and groundwork machinery. That means we understand your business and the equipment that keeps it moving. Here’s what you can expect from us:

• Decisions in 24–48 Hours
• Hire Purchase & Finance Lease Options
• Finance for New & Used Equipment
• We Work with Private Sellers & Dealers
• Support for New Limited Companies
• Poor Credit Considered
• Dedicated, Personable Service

You’ll deal with a real person who understands your industry, not a call centre. We take the time to get to know your business so we can find the best solution quickly.

What is Mini Digger Finance?

Mini digger finance is a type of asset finance that lets you acquire the machine you need without paying the full cost upfront. Instead, you spread payments over a fixed term.

We offer two main types of mini digger finance:

1. Hire Purchase (HP)

• Pay monthly instalments with the intention to own the digger outright at the end of the agreement.
• Ideal if you plan to use the machine long-term.
• Assets appear on your balance sheet.

2. Finance Lease

• You lease the digger for an agreed term with fixed payments.
• At the end, you can either extend the lease, return the machine, or sell it on behalf of the lender.
• Keeps costs lower up front and can be more tax-efficient (check with your accountant).

We’ll help you choose the best option for your business needs.

New Limited Companies Welcome

Getting access to finance as a new limited company can be tough—especially when you don’t have filed accounts or a long trading history. At First Oak Capital, we specialise in supporting start-ups and new businesses.

We work with a broad panel of specialist lenders who are happy to look at the bigger picture, including:

• Your experience in the industry
• Contracts or work already secured
• The value of the machine being financed
• Your business plan or growth projections

Even if mainstream banks or dealers have said no, we’ll explore every option available to help you get moving.

Mini Diggers We Finance

We can arrange finance for nearly all types of mini diggers, including:

• Micro Diggers (under 1 tonne) – Great for small sites and interior jobs
• 1.5–3 Tonne Mini Diggers – Ideal for residential and landscaping work
• 3–5 Tonne Compact Excavators – For mid-sized construction or utility work

We support finance for the most trusted brands in the industry:

• Kubota
• Takeuchi
• Bobcat
• JCB
• Hitachi
• Yanmar
• Hyundai
• CAT
• Komatsu

You can also include buckets, hitches, trailers, and tilt rotators as part of your finance deal.

Used Mini Digger Finance

A quality used mini digger can deliver great value, especially for start-ups or businesses with limited capital. We offer finance for used machines purchased from:

• Approved UK dealerships
• Plant auctions
• Private sellers (subject to checks and inspection)

We’ll help ensure the machine is priced appropriately, in good working condition, and meets the requirements of your chosen lender.

Common Use Cases for Mini Digger Finance

Mini diggers are one of the most versatile machines on site. Our clients use them for:

• Groundworks and landscaping
• Utility installations and trenching
• Demolition and clearance
• Fencing and drainage work
• Property development and foundations
• Agricultural work
• Plant hire businesses growing their fleet

Whether you’re self-employed or running a growing company, the right mini digger can boost productivity and help you win more work.

Supporting Sole Traders (Borrowing £25,000+)

We regularly support sole traders looking for machinery finance. Due to FCA regulation, borrowing must start at £25,000 or more. If your quote meets that threshold, we can help you explore lenders open to your situation.

We’ll guide you through:

• Structuring the deal to match your cash flow
• Understanding the tax benefits of asset finance
• Financing multiple machines or attachments if needed

Poor Credit? We May Still Be Able to Help

If your credit file isn’t perfect, don’t assume you’ll be turned down. We work with lenders who can consider applications based on:

• Low or limited credit scores
• County Court Judgements (CCJs)
• Missed payments
• Historic insolvencies or previous credit issues

We’ll present your case clearly to the right lenders, helping you access funding even when traditional banks say no.

How Our Mini Digger Finance Process Works

We’ve designed our process to be simple, fast, and transparent:

Step 1: Apply Online or Call
Submit our short application or talk directly to our team.

Step 2: Tell Us What You’re Financing
New or used, dealer or private sale—we support all options.

Step 3: We Search the Market
We approach our lender panel to find the best deal.

Step 4: You Review the Offers
We’ll explain your options clearly and answer any questions.

Step 5: Sign & Fund
We manage the paperwork and arrange payment to the seller quickly.

Example Finance Scenarios

A Sole Trader Expanding His Garden Business

Tom, a landscape contractor, needed a used 2.7-tonne Kubota. With £5,000 upfront and a total cost of £26,000, we arranged a 3-year hire purchase deal with manageable monthly payments and early settlement flexibility.

A New Limited Company Launching a Groundworks Team

Sarah started a new limited company after years of experience as a subcontractor. She needed two used mini diggers for upcoming housing projects. We helped her access finance through a lender that values experience over filed accounts.

A Plant Hire Firm Adding 5 New Diggers

A well-established hire firm came to us to finance five new Bobcat E27 models. We arranged lease finance that aligned with their cash flow, included all attachments, and allowed future upgrades.

Apply Now – Get the Mini Digger You Need

With First Oak Capital, you’re not just applying for finance—you’re getting a finance partner who understands your work, your challenges, and your goals. Whether you’re buying your first machine or expanding your fleet, we’re ready to help.

✅ Fast approvals ✅ Finance for new and used diggers ✅ Flexible hire purchase and lease deals ✅ Friendly, knowledgeable advice

Apply online by completing our short application form or call us now to speak with a specialist.