Looking to add a mini digger to your fleet but want to keep your capital working for you?
As specialists with over a decade in construction asset finance, we understand that these versatile machines are essential for your business success – whether you’re in landscaping, forestry, construction, or property development.
With our mini digger finance options, you can:
- Access up to 100% of the purchase price
- Choose flexible payment terms from 12 to 84 months
- Select new or used diggers & attachments
- Get competitive, low monthly rates
- Keep money in your business to help cash flow
Whether you’re looking at a 1.5-tonne compact excavator for small projects or a 3-tonne digger for larger jobs, we’ll help you find the perfect funding solution. We’ve simplified the process of financing mini diggers from all leading manufacturers.
Mini Excavator Companies
Whatever your preferred manufacturer, we can arrange competitive finance for all major mini digger brands. Our trusted lending network supports machines from industry leading manufacturers, including:
- Kubota KX and U series
- JCB’s innovative range of compact excavators
- Takeuchi robust TB series
- Hitachi ZX / Zaxis models
- Yanmar Vio and SV series
- Bobcat versatile E series
- Komatsu PC range
- Case CX series
- Doosan DX line
- Hyundai compact R series
Plus, we can also cater for manufacturers like Kobelco, New Holland, and Wacker Neuson, ensuring you have access to hire purchase agreements and leases (finance lease or operating lease) for any brand that suits your needs.
Ways To Finance A Mini Digger
At Evangate FS, we offer four different financing solutions, each tailored to meet specific business needs, such as no upfront costs, the option to purchase at the end, offsetting VAT, or essentially, a rental agreement.
1. Hire Purchase (HP)
The most straightforward path to ownership, Hire Purchase allows you to spread the full cost of your mini digger over 12 to 84 months through fixed monthly payments. You’ll own the machine outright once the final payment is made, making this an ideal choice for long-term investment planning.
With HP, you can claim capital allowances for tax purposes, and we can structure the payments to match your cash flow – whether you prefer a larger deposit to reduce monthly costs or a minimal upfront payment to preserve working capital.
This option is particularly popular among established contractors who want to build their asset portfolio while having predictable monthly expenses. You have complete control over how you use the equipment, and maintenance is entirely under your control.
2. Finance Lease
This flexible option delivers lower payments than HP while offering several end-of-term choices. Under a finance lease, you’ll effectively rent the mini digger over an agreed period, typically with minimal upfront costs – usually just one or two months’ payments.
At the end of the term, you can opt to purchase the machine for an agreed residual value, extend the lease, upgrade to a newer model, or simply return it.
This option can offer significant tax advantages as lease payments are usually tax-deductible as business expenses. Finance leases are particularly attractive for companies that want to keep their options open or prefer to update their plant machinery regularly to get their hands on the latest technology.
3. Operating Lease
If you’re looking for the lowest possible payments each month and maximum flexibility, an operating lease could be your ideal solution.
This is essentially a long-term rental agreement where you never take on the depreciation risk of the equipment. The lease payments only cover the expected depreciation over your usage period, not the entire value of the asset. You’ll typically find lower monthly costs compared to other finance options, and maintenance can often be included in the package.
This option works extremely well for seasonal businesses or those working on specific project timelines. At the end of the term, you simply return the digger to the lender – there’s no need to worry about selling or disposing of the ageing kit.
4. Business Contract Hire
Perfect for businesses that prefer a complete ‘peace of mind’ solution, Business Contract Hire combines the benefits of fixed monthly payments with inclusive maintenance packages.
Typically available for periods of 2-5 years, this option is suited to new equipment. Your payment covers the use of the mini digger plus scheduled maintenance, helping you avoid unexpected repair costs and keeping your mini excavator in peak working condition.
At the end of the hire contract, you simply return the machinery, making this perfect for businesses that want to avoid the hassle of ownership and prefer to operate the latest models with predictable monthly costs. This option often includes breakdown cover and regular servicing too.
Used Mini Diggers For Sale
Our team analysed the used mini excavators on sale at Mascus (mascus.co.uk) and found some interesting insights for potential buyers considering digger finance.
Entry-level diggers start from around £6,995 for models like the Kubota KX 015-4. The mid-range category, where most business buyers focus, typically requires finance between £15,000 and £25,000. At the premium end, excavators like the Yanmar Vio 17 command prices up to £33,500 (for a 2022 version with only 500 hours).
The used mini excavator market is dominated by Kubota, which offers the broadest range of models. This strong presence suggests stable resale values – an important factor when considering finance terms and future equity. JCB maintains a strong position in the mid-range segment, particularly with its popular 16C-1, while Hitachi, Takeuchi, and Yanmar are up at the higher price points.
We have included details on the models, number of hours and UK sale prices in the following table:
| Brand | Model | Hours | Price (GBP) |
|---|---|---|---|
| Bobcat | E19 | 2676 | 8,750 |
| Bobcat | E27Z | 2200 | 18,250 |
| Bobcat | E45 | – | 14,995 |
| Hitachi | 55U | 4879 | 19,950 |
| Hitachi | ZX18-3 | 4950 | 9,500 |
| Hitachi | ZX48U | 5500 | 20,495 |
| Hitachi | ZX48U-6 | 2741 | 25,450 |
| Hyundai | Robex 60CR-9 | 3814 | 16,500 |
| JCB | 16C-1 | 328 | 14,495 |
| JCB | 16C-1 | 431 | 14,495 |
| JCB | 8026CTS | 2244 | 13,495 |
| JCB | 8026CTS | 1031 | 19,495 |
| JCB | 8050 | 4900 | 15,995 |
| Kubota | KX015-4 | 2000 | 6,995 |
| Kubota | KX027-4 | 1750 | 22,250 |
| Kubota | KX71 | 3622 | 14,500 |
| Kubota | U10-3 | 800 | 9,997 |
| Kubota | U17-3 | 1370 | 8,950 |
| Kubota | U17-3 | 1890 | 8,950 |
| Kubota | U17-3 | 2115 | 10,250 |
| Kubota | U27-4 | 1690 | 21,600 |
| Kubota | U48-4 | 3900 | 19,950 |
| Kubota | U50-5 | 2349 | 29,850 |
| Kubota | U55-4 | 3800 | 24,843 |
| Takeuchi | TB216 | 2250 | 8,995 |
| Takeuchi | TB216 | 3400 | 9,850 |
| Takeuchi | TB230 | 4290 | 16,950 |
| Takeuchi | TB290 | 5987 | 26,950 |
| Yanmar | VIO17 | 500 | 33,500 |
| Yanmar | VIO27 | 1928 | 20,500 |
| Yanmar | VIO50 | 4600 | 19,950 |
If you are considering a used mini digger, it’s essential to consider both the machine’s age and hours, as these factors often influence the finance terms. And while premium models require higher monthly payments, they usually represent better long-term value through improved reliability and performance.
The Evangate FS team will find the best mini digger deals from our lenders (for both new and used diggers) with terms tailored to match your business needs, credit score, and growth plans.
Attachments
Our team have been doing this long enough to understand that the right attachments can transform a mini digger from a single-purpose workhorse into a worksite powerhouse. That’s why we can look to include all the attachments you will need in your excavator deal.
Here are a few examples of the type of attachments we can factor in:
- Ditching/grading buckets
- V-shaped trenching buckets
- Hydraulic breakers
- Shears for cutting metal and rebar
- Augers for post-hole drilling
- Pipe lifters
- Stump grinders
Mini Digger Financing Deals
Time is money in your business, which is why we promise a decision in principle within 24-48 hours. Let us take care of the details while you focus on what matters – running your business and delivering projects on time.
Call us now on 0800 488 0240 for a quick, no-obligation quote, or fill out our simple online form. With access to over 100 approved lenders, we’ll find you the right deal that keeps your business digging forward.
Mini Excavator Financing With Bad Credit
While traditional high-street banks might turn you away if you have less than ideal credit history, our specialist finance network includes authorised and regulated lenders who understand that credit scores don’t tell the whole story.
We take a more practical approach by considering your business’s overall health, revenue history, and ability to generate income with the excavator.
Even with bad credit scores, we can often structure workable solutions, though interest rates may be higher initially. Many of our clients use this as a stepping stone – successfully managing their payments helps rebuild their credit score, qualifying them for better rates on future financing.
Our team has helped numerous contractors overcome credit challenges to secure the equipment they need, and like many others, they have become repeat customers of Evangate Financial Services. Please complete the form below so we can help you on your journey to better credit scores.
