Client Overview
Our client is a family-run partnership, made up of three members – mum, dad, and son – operating within the construction and contracting sector. Like many family businesses, they balance experience with the next generation coming through, and were keen to invest in reliable machinery that would support their ongoing workload and future growth.
They approached us to help arrange finance for a Kobelco tracked excavator, which they were purchasing from another established contractor.
The Machine: Kobelco Tracked Excavator
Kobelco excavators are well regarded within the industry for their durability, fuel efficiency, and strong performance across a wide range of applications, including groundwork, drainage, landscaping, and general construction.
The tracked excavator in question was a used machine, offering excellent value for money while still delivering the reliability and capability required for daily site work. By purchasing from another contractor rather than a dealer, the client was able to secure a competitive purchase price while still acquiring a proven, well-maintained asset.
Key benefits of the machine included:
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Strong digging performance and smooth hydraulics.
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Reliable build quality suited to long-term use.
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Excellent versatility across multiple job types.
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A cost-effective alternative to buying brand new.
For a family partnership, investing in a machine like this represented a significant step – improving productivity, reducing reliance on hired equipment, and strengthening their asset base.
The Challenge
The client required a practical, affordable finance solution that:
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Worked for a family partnership structure.
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Allowed them to purchase from a private seller (another contractor).
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Kept monthly repayments manageable.
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Preserved cash flow for fuel, maintenance, and day-to-day running costs.
As the business is family-run, it was important that the finance was structured clearly and simply, with all partners fully understanding the commitment.
Our Finance Solution
We arranged a £40,000 finance facility over a 4-year term, tailored specifically to the partnership’s needs.
Key elements of the solution included:
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Finance structured to suit a partnership of three individuals.
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Competitive fixed repayments over 48 months.
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Funding approved for a private sale, not just a dealer purchase
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No need for the client to tie up large amounts of working capital upfront.
By spreading the cost over four years, the family was able to acquire the excavator immediately while ensuring the machine effectively paid for itself through ongoing work.
The Outcome
The finance was completed smoothly and efficiently, allowing the client to:
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Secure the Kobelco excavator without delay.
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Strengthen their operational capability.
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Reduce ongoing hire costs.
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Maintain healthy cash flow within the business.
Most importantly, the solution supported the long-term sustainability of the family partnership, giving the next generation access to modern, reliable equipment while keeping financial commitments realistic and manageable.
Why This Matters
This case study highlights our ability to:
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Arrange finance for used construction equipment.
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Support family partnerships and multi-director businesses.
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Fund machinery purchased from other contractors or private sellers.
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Deliver clear, flexible solutions that align with real-world working practices.
Whether you’re a sole trader, partnership, or limited company, we understand that every business – and every deal – is different.
