How Regional Construction Limited Accelerated Growth with Equipment Finance
Real results from a real business just like yours.
£500K
Equipment Financed
7 days
Time to Funding
3.5×
Revenue Growth (Yr 1)
5 years
Finance Term
The Challenge
- Operating as a 5-person outfit with one owned excavator and limited equipment capacity.
- Competing for larger contracts (£200K–£500K jobs) but lacking equipment to mobilize teams across multiple sites.
- Bank denied equipment finance (wanted 20% deposit upfront; didn't understand project-backed cash flow).
- Growth bottleneck: turning away work due to equipment constraints, not demand.
The Solution
- Approached specialist construction equipment finance lender with 3-month project pipeline (£1.8M contracted).
- Financed 3 excavators (£500K total) via hire purchase with 5-year terms.
- Matched equipment payments to project invoicing (monthly payments from client invoices).
- Maintained 0% deposit structure; no personal assets required (contract-backed lending).
- Setup took 7 days; equipment delivered and operational within 2 weeks.
The Results
✓ Revenue Growth
Year 1: £600K revenue → £2.1M revenue (3.5× growth) via larger project capacity
✓ Team Expansion
Hired 12 additional staff (from 5 to 17). Equipment enables project delivery, not headcount limits.
✓ Cash Flow Improvement
Equipment monthly payments (£8,500) covered by project invoicing. Working capital freed for payroll, fuel, subcontractors.
✓ Equipment Ownership
At end of 5-year term, owned £500K in equipment (balance sheet asset, no ongoing debt).
✓ Market Competitiveness
Now bidding for £500K–£1M contracts. Larger projects = higher margins, stronger cash flow.
"We'd been leaving money on the table for years. The bank said no; the equipment finance lender understood our business model. Project cash flow matched equipment payments. We went from £600K to £2.1M revenue by year 2, and the equipment paid for itself 10× over."
Mark H.
Director, Regional Construction
Ready to scale your construction business?
Equipment finance matched to your project pipeline. Specialist rates, fast decisions.
Request a quote