Business finance for the access equipment industry

Access platform and crane finance

Access platforms and cranes are essential for construction, infrastructure, rail and maintenance work, but the investment required for the equipment to do the job usually comes with a significant price tag. We help businesses across the access and lifting sectors secure flexible, competitive funding for new and approved-used machinery, ensuring you can expand your fleet, upgrade equipment or support new contracts without disrupting cashflow. 

We work with: 

• Access platform hire businesses 

• Crane operators and lifting specialists 

• Construction, civils and infrastructure contractors 

• Rail and utilities companies 

• Facilities and maintenance providers 

• Warehousing and logistics 

• Start-ups building their first fleet 

• Established firms expanding or replacing equipment 

From a single spider left to a multi-crane fleet, PMD structures funding that fit your operations. 

What assets can be financed?

We can provide competitive funding packages for a range of specialist assets within this sector, including: 

• Access platforms (powered, semi-stationary, road-rail, tracked, articulated) 

• Spider lifts and spider platforms 

• Tower cranes, mobile cranes and railroad/rail cranes 

• Snappy towers and lightweight access systems 

• Construction and lifting equipment used across commercial, industrial and rail projects 

Whether you run an access hire company, operate a crane fleet or deliver specialist infrastructure work, we’ll help you secure the right facility at the right terms. 

Why access and crane businesses choose finance

Purchasing lifting equipment ties up significant capital. Finance allows you to: 

• Maintain day to day working capital 

• Spread cost through predictable monthly payments 

• Align repayment terms with project length or revenue cycles 

• Add or upgrade equipment without delaying work 

• Choose between owning, leasing or renting the equipment 

• Compare buy vs lease decisions based on real costs 

What finance options are available for access platform and crane

PMD supports businesses across construction, access and lifting with structured finance options that are scalable in line with your operational needs, fleet cycles and cashflow requirements.

 

Asset finance for access platform and cranes

Best for: New and approved-used equipment you want to own over time. 

Asset finance lets you spread the cost of high-value equipment while keeping cashflow stable. Instead of paying upfront, you make fixed monthly payments over an agreed term. The asset acts as collateral, which usually gives you access to better rates than unsecured borrowing. 

Why it works well for the access and crane sector: 

• Lets you acquire multiple units (eg. Several spider lifts or tower cranes) at once 

• Helps preserve working capital for payroll, fuel, operators, depot costs or materials 

• Suitable for both new and approved-used access 

• Ideal for businesses wanting predictable costs for long term assets 

Asset finance is one of the most common ways UK access hire and crane operators build out their fleet. 

 

Hire purchase (HP) 

Best for: Businesses that want to own the equipment at the end of the agreement. 

Hire purchase is a straightforward way to buy lifting equipment while spreading repayments. You pay a deposit (or sometimes none), make monthly installments, and once the final payment is made, ownership transfers to you. 

Why HP suits lifting and height-access businesses: 

• Works well for long-life assets like tower cranes, railroad cranes and large booms 

• Predictable repayments throughout the term 

• Fixed interest options available 

• Ideal for businesses building long-term asset value 

 

Leasing options for access platforms and lifting equipment 

Best for: businesses wearing flexibility, lower upfront costs or regular equipment upgrades. 

Leasing lets you operate the equipment for a fixed period without committing to full ownership. At the end of the term you can either return the equipment, extend the lease or upgrade to newer models. 

Why leasing is so popular in this sector: 

• Helps keep monthly payments lower 

• Useful for access equipment that evolves quickly (eg. Powered platforms, tracked booms) 

• Ideal for companies that replace or rotate fleet often 

• Preserves cashflow and reduces balance-sheet impact 

 

 

Asset refinance for access and lifting equipment 

Best for: Releasing cash from equipment you already own. 

If you own cranes, platforms or lifting equipment outright, or have equity in them, you can refinance them to raise capital. This is particularly useful for: 

• Funding new equipment 

• Clearing large balloon payments 

• Supporting working capital 

• Consolidating multiple agreements 

• Improving cashflow 

It’s a popular choice for access hire companies who are expanding their fleets but don’t want to drain their reserves. 

 

Business loans for access platform and crane companies 

Best for: Cashflow needs beyond equipment, such as; payroll, stock, starting new projects, marketing or even depot expansion. 

PMD are able to arrange both secured and unsecured business loans, meaning you’ll benefit from: 

• Fast decisions 

• Flexible loan terms 

• Competitive rates 

• No need to use equipment as security (unless you choose to do so) 

Loans can be used alongside asset finance to cover wider business needs, especially during rapid fleet expansion. 

 

Invoice finance for construction and access sector businesses 

Best for: Companies working with long payment cycles or slow invoice turnaround. 

Invoice finance lets you access cash tied up in unpaid invoices. It’s ideal for: 

• Construction firms waiting on main contractor payments 

• Platform hire companies with 30-90+ day terms 

• Crane operators working on staged payment projects 

It supports cashflow and ensures you can cover running costs while waiting to be paid. 

 

Structured finance for multi-unit or high-value crane projects 

Best for: Complex deals, phased deliveries or large crane investments. 

If you’re building a fleet, replacing multiple cranes or purchasing high-value lifting equipment, structure finance creates a bespoke package, combining HP, lease, refinance or loans across several assets. 

Common use cases tend to be: 

• Fleet upgrades 

• Multiple access platforms bought at once 

• Tower crane packages for infrastructure projects 

• Rail contractors with mixed fleets 

This allows you to match finance exactly to your project timelines and forecasted revenue. 

 

Property finance for construction and equipment businesses 

Best for: Businesses expanding depots, storage yards or owner-occupied premises. 

Many operators grow beyond the equipment itself and end up needing more space. PMD can support with: 

• Commercial mortgages 

• Owner occupied premises 

• Depot expansions 

• Refinancing existing property 

This is ideal for businesses scaling their workforce, equipment count or operational footprint. 

 

Financing helps keep your capital free for payroll, materials, subcontractors, fuel and maintenance costs and new project demands. Many customers also tend to combine equipment finance with invoice financing or working capital loans to help manage their cashflow. 

New and approved-used equipment funding

We fund both new and approved-used access platforms and cranes. PMD helps you compare total cost over the term, leasing vs buying, new vs used option impact, residual values and VAT and tax considerations. Whatever the supplier or specification, we source funding that fits your operational and financial goals

How PMD make the process easy

We’ll handle everything: 

1. Understand your equipment and goals 

1. Compare over 100 lenders 

1. Tailor structured funding around your fleet and cashflow 

1. Manage underwriting and admin 

1. Srcure competitive terms 

1. Ensure fast approval and a prompt pay-out. 

You focus on running your business, we take care of the finance.

Ready to finance your access platform or crane business?

If you’re planning a purchase, upgrading equipment or refinancing existing machines, our specialists can help. Whether it’s requesting a tailored quote for your equipment or comparing finance options for your fleet, we’ll help you secure the right funding, at the right terms, with confidence.