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Gable Asset Finance specialises in arranging practical, tailored finance for JCB equipment across the UK. We spend time understanding your business, your seasonal cashflow and your longer-term aims so the finance package we find genuinely suits your circumstances. Our small team — many with agricultural and equestrian backgrounds — builds relationships rather than just processing enquiries, meaning you’ll always speak to the same advisers who understand your sector.
JCB is one of the world’s most widely recognised construction and agricultural equipment manufacturers. In the UK, JCB machines are used across sectors because they combine robust engineering, broad dealer support and versatile machine families that can be adapted with attachments for many jobs. The primary users of JCB equipment in the UK include:
JCB’s reputation for ruggedness and widespread dealer support makes it a predictable asset for lenders. Machines retain good residuals, there are established aftermarket channels and many businesses prefer JCB because parts and service networks minimise downtime — something lenders factor into valuations.
Below are the principal industries that rely on JCB equipment and typical examples of how they use machines day-to-day.
Farmers use JCB Loadall telehandlers for bale handling, feeding, muck handling and loading trailers. Fastrac tractors combine road speed with field capability for contractors and large farms. Telehandlers fitted with forks, grabs or buckets are multi-tasking tools that reduce the need for multiple machines.
JCB excavators, skid steers and telehandlers are core items for site preparation, groundworks, materials handling and utilities installation. Plant hire firms often purchase large fleets of JCB machines due to their reliability and demand by contractors.
Durable JCB machines are used to move waste, load shredders and feed materials. Telehandlers and wheeled loaders are common in recycling facilities.
JCB machines appear in highways maintenance, verge clearing and public realm projects. Compact excavators and mini skid steers are valuable for urban environments.
In more heavy-duty operations, JCB diggers and heavy loaders support earthmoving tasks and haulage on-site.
Generators, compact telehandlers and material handling equipment support industrial sites and large outdoor events where temporary power and handling equipment are required.
JCB has a wide product range. Examples of the models and machine types commonly financed in the agricultural and rural market include:
We finance both new and used JCB equipment. Used machines are often excellent value, and dealers with service history and warranties secure better finance rates than unknown units bought at auction without provenance.
At Gable Asset Finance we take time to understand your business and your aims. That’s deliberate — the right finance is not only about the ‘lowest headline rate’ but about how a package will perform for your operation over its life. We:
Below we detail the core financial solutions available to acquire JCB machinery, and the situations where each product typically makes sense.
HP lets you buy the machine over an agreed term via fixed monthly payments. Once the final payment (or option-to-purchase payment) is made, ownership transfers to you. This is a popular choice for businesses intending long-term ownership.
Best when: you want to own the machine and benefit from capital allowances.
With a finance lease the funder retains ownership while you pay rentals for a set period. Rentals can be tax-deductible, and VAT is typically charged on rental payments, helping cashflow.
Best when: you want improved cashflow and possible tax advantages but don’t require ownership immediately.
These are rental-style agreements where you return the machine at the end of the term. Maintenance and servicing can be bundled into the monthly cost — ideal for fleet users and contractors wanting regular upgrades.
Best when: you prefer predictable monthly costs and no residual risk.
Commercial loans or chattel mortgages give you flexible ownership options while taking a charge over the asset. Terms can be bespoke to multiple-equipment purchases.
Best when: you need one loan to cover several items or to combine with property security.
If you own JCB assets outright, refinancing or sale-and-leaseback can release capital while letting you continue to use the equipment — useful for expansion or liquidity needs.
Best when: you want to unlock cash without disrupting operations.
We regularly structure seasonal repayment schedules and blended finance (e.g. mortgage top-up + HP + overdraft) so repayments match when you earn money — essential in agriculture.
Best when: your revenue is highly seasonal and you need a repayment profile that reflects that seasonality.
Choosing the correct product depends on operational needs, tax appetite, cashflow and replacement strategy. Use this quick guide:
Being organised speeds approvals and improves terms. Typical lender requirements include:
Please treat this as general guidance — consult your accountant for personalised advice.
Background: A medium-sized dairy farm needed a new JCB Loadall for feeding, bale handling and general yard tasks. Cash reserves were limited in spring before milk payments arrived.
Solution: Gable Asset Finance arranged a 5-year Hire Purchase with a seasonal repayment profile (lower in spring, higher in summer/autumn). VAT timing was structured with the dealer to reduce an immediate cashflow hit.
Outcome: The farm kept working capital for feed and vet costs, the machine improved yard efficiency and the farm owned the telehandler at term end.
Background: A civil engineering contractor wanted to maintain a modern fleet for tendering without residual risk.
Solution: A mix of contract hire agreements with maintenance and tyre plans included, staggered renewal cycles and predictable monthly costs.
Outcome: Predictable P&L treatment, no resale risk and an ability to present modern kit to clients in tenders.
Background: A mixed farm had several older JCBs and owned buildings. They needed funds to convert a barn into a farm shop and cafe.
Solution: A blended package: sale-and-leaseback on two older machines (released capital), and a mortgage top-up on the property for the conversion work.
Outcome: The farm launched the diversification project, increased revenue streams and kept use of the machines under lease-back arrangements.
We’re a small, motivated team with a sector-first culture. Our services include:
Whether you plan to buy new or used JCB kit, refinance existing machinery, or structure a blended package, we’ll work with you directly to find the most appropriate lenders and terms. Contact Gable Asset Finance for a confidential review and a lender-ready plan — we’ll explain what documents to prepare and what you can expect in terms of rates and timescales.
We act as a broker and introducer; final lending decisions rest with the funders and are subject to credit assessment and due diligence.
JCB machines are versatile, in demand and typically hold value reasonably well in the secondary market — all factors lenders consider positively. But the right finance is bespoke: it must match your cashflow, tax position and long-term plan. Our small team’s agricultural and equestrian backgrounds mean we understand how farms and rural businesses operate, and we’ll navigate lender panels on your behalf to structure finance that helps you operate efficiently and grow sustainably.