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Aggregate equipment is the engine room of the construction materials supply chain. Sand, gravel and stone are fundamental to almost every construction activity — from concrete and asphalt production, to drainage, foundations, piling mats, sub-base layers, landscaping, and major infrastructure schemes. But before any of those materials can be used, they must be extracted, handled, processed, sized, graded, stored and transported efficiently. That requires the right mix of heavy machinery and an operating setup that keeps material moving consistently through each stage.
At Gable Business Finance, we understand that aggregate equipment is not “just plant”. It is production-critical infrastructure that must operate reliably under demanding conditions. A quarry, recycling yard, or on-site aggregate processing operation is only as efficient as its material flow. If any single link in the chain fails — a wheel loader breaks down, a crusher bottlenecks, a vibrating screen clogs, a conveyor belt tears, or an articulated dump truck is out of service — throughput drops, quality suffers, deliveries are delayed, and profits are squeezed.
The construction sector is exceptionally diverse. Aggregate equipment is used across quarrying, recycling, civil engineering, demolition, earthworks, concrete and asphalt supply, utilities, rail, highways, ports, and industrial development. Each sub-sector has its own pressures, safety standards, environmental requirements and commercial models. Having worked within this sector for many years, Gable Business Finance understands these unique challenges and can support your business with flexible, competitive funding solutions tailored to your equipment type, usage pattern and contract profile.
Whether you are investing in a single wheel loader to improve loading efficiency, financing a full crushing and screening spread, upgrading a conveyor system to reduce fuel and labour costs, or refinancing existing machines to release working capital, Gable Business Finance helps you fund the right solution without destabilising cashflow.
Aggregate equipment refers to machinery used to process, handle and transport sand, gravel and stone — and the associated materials that become usable aggregate, including quarried rock, recycled concrete, crushed asphalt, and blended sub-base products. Most operations fall into one of three environments:
Across each environment, the same basic principles apply: material must move from point A to point B with minimal double handling, minimal downtime, consistent grading, and a predictable cost per tonne.
In a construction centre — whether that is a quarry plant, a recycling yard, a railhead, a concrete batching environment, or a large infrastructure project compound — aggregate equipment is required to:
In practical terms, aggregate equipment needs to be matched not only to material type, but also to output requirements, site constraints and contract obligations. A small recycling contractor processing demolition arisings on-site has very different needs from a quarry producing high-volume graded aggregates for regional supply. The right finance structure should reflect those operational realities.
Aggregate equipment is a profit driver. It influences:
As the construction sector becomes more regulated and more cost-competitive, businesses increasingly depend on modern, efficient equipment to protect margins. Gable Business Finance helps you invest with a funding structure that fits your work profile — whether that means ownership, leasing flexibility, refinancing equity, or combining asset finance with working capital solutions.
The most common machines for handling sand, gravel and stone include wheel loaders (scooping/loading), excavators (digging/loading), dozers (pushing/clearing), dump trucks (transporting), conveyor systems (continuous movement), and crushers/screeners (processing/sizing). Loaders and excavators move material to trucks, crushers reduce rock size, screens sort sizes, and conveyors move material efficiently between stages. These roles are vital for quarry and construction operations.
Wheel loaders are typically the backbone of aggregate sites. Their core job is scooping sand, gravel and crushed stone from stockpiles and loading it into dump trucks, hoppers, crushers, or conveyors. They also support site housekeeping, stockpile shaping, loading customer vehicles, and transferring material between bays.
Key considerations in wheel loader selection include:
Excavators play a different role to loaders. They are used for digging and extracting raw material, feeding crushers directly, sorting oversize, loading hoppers, and managing difficult or confined areas. In recycling yards, excavators can separate materials, remove rebar, and feed crushers with controlled flow to reduce blockages.
Common excavator applications in aggregate operations include:
Dozers push and shape material, clear working areas, and maintain safe access routes. In quarries, dozers manage ROM (run-of-mine) stockpiles, push material to feeders, and control site layout. In recycling yards, dozers support housekeeping and bulk material movement where wheel loaders would be inefficient.
Dozers are especially valuable where material must be pushed into a feed area, where ground conditions are rough, or where stability and traction are critical.
Dump trucks are essential for transporting sand, gravel and stone from extraction points to processing plants or delivery locations. On-site, they move raw feed to primary crushers, shift processed material to bays, and transport rejects. Off-site, they deliver product to construction sites and batching plants.
Key choices include:
Crushers are the heart of aggregate processing. They reduce large rocks and boulders into smaller sizes suitable for screening and final grading. Jaw crushers typically handle primary crushing, taking large feed and reducing it into smaller, consistent material. Impact crushers can be used in secondary or recycling applications, particularly where shaping and higher reduction ratios are required.
Crusher selection depends on material hardness, feed size, desired output, and whether the operation is quarrying or recycling. Wear parts, throughput, and downtime risk are central to cost per tonne.
Vibrating screens separate crushed material into different size fractions. This is vital because customers and specifications require consistent grades. Screens can produce multiple outputs simultaneously (for example, a coarse product, a mid-size, and a fine sand), or they can be used as scalpers ahead of crushing to reduce contamination and improve throughput.
Screening performance impacts product quality, plant efficiency, and profitability. Poor screening means more rework, more wastage, and customer complaints.
Wet sand can be difficult to screen and transport, especially in winter conditions. Mixers and dryers condition wet sand, break clumps, and improve consistency. In certain operations, drying is essential to produce a saleable product for concrete and mortar use.
Conveyor systems move bulk materials efficiently and reliably between crushers, screens, and storage piles. They reduce reliance on mobile plant and improve safety by reducing traffic. Well-designed conveyors can materially reduce fuel spend and labour cost per tonne, especially on higher volume sites.
Conveyors also enable better plant layout, smoother material flow, and more consistent feed rates — which reduces blockages and wear on crushers and screens.
Bucket elevators are used for vertical transport of fine materials like sand. They are common in fixed plants where sand must be moved between levels for screening, drying, or storage. They can be essential where site footprint is limited and material flow must be vertical rather than horizontal.
Aggregate equipment can represent a significant capital investment. Many businesses cannot — and should not — tie up large amounts of cash in machinery when that cash is needed for labour, fuel, maintenance, stock, and day-to-day working capital. Gable Business Finance provides funding solutions designed around the realities of aggregate operations: seasonal demand, price fluctuations, long asset lifecycles, high wear, and the need to maintain throughput.
We can support single-machine purchases and full plant packages, including supporting kit such as magnets, conveyors, hoppers, power packs, and dust suppression systems (subject to asset type and lender criteria).
Hire Purchase is a common option when you want to own the equipment at the end of the agreement. It’s well suited to assets you plan to keep long term, such as wheel loaders, excavators, dozers, dump trucks, crushers, and screens used across many years of production cycles.
Finance Lease can be ideal where you want lower monthly payments and flexibility, especially for equipment that you may upgrade or rotate. In higher wear environments, leasing can be attractive because it supports planned replacement cycles and reduces ownership risk on older, maintenance-heavy machines.
Refinancing hard assets means using your existing physical business assets — like machinery, vehicles, or property — as collateral to borrow cash, unlocking working capital without selling them. Lenders provide a loan based on the asset’s market value (your equity), allowing you to get funds for growth, operations, paying down debt, or investing in repairs and upgrades, while continuing to use the asset as normal.
This approach is often ideal for asset-rich but cash-poor businesses in sectors like construction, quarrying, recycling, agriculture and logistics. Many aggregate businesses own high-value machinery that sits on site and generates income daily, yet the capital value remains locked up unless it is refinanced.
Refinance is often used to:
Gable Business Finance can assess your fleet, identify where equity exists, and structure refinance to unlock capital while keeping your operation running.
Many aggregate operations rely on mobile assets such as dump trucks, tippers, wheel loaders, and site support vehicles. Where residual values are strong and usage patterns suit it, structured vehicle-style finance can reduce monthly costs by deferring a portion of value to the end of the term. This can help businesses keep fleets modern and compliant while managing cashflow predictably.
Aggregate operations are cost-intensive. Fuel, maintenance, labour, spares, and compliance costs can be significant, and customer payment terms may not match your outgoing costs. Cashflow funding can provide working capital based on business performance rather than a specific asset purchase, supporting day-to-day operations alongside asset finance.
Invoice financing allows you to release cash tied up in unpaid invoices. For aggregate suppliers selling into construction projects, payment delays can put pressure on working capital. Invoice finance can smooth cashflow so you can keep production running and fund equipment investment without waiting for long payment cycles.
In certain circumstances, contract hire can provide access to equipment for defined periods. This can be useful when you have a temporary processing requirement, a project-based crushing and screening programme, or a short-term supply contract. Contract hire can help you align cost with project duration, especially where ownership is not required.
Gable Business Finance understands how diverse the construction and aggregates sector is and the unique challenges it faces, particularly when it comes to finance. Having worked within this sector for many years, we know that plant finance is not just about rates — it’s about structuring funding around reality: site conditions, wear profiles, seasonal demand, customer payment cycles, and the operational need to keep material flowing.
We support businesses by:
The most common machines include wheel loaders, excavators, bulldozers (dozers), dump trucks, conveyor systems, and crushers/screeners. In most operations, loaders and excavators move material to trucks and hoppers, crushers reduce rock size, screens separate sizes, and conveyors move material efficiently between stages. Together they form a continuous material flow from raw feed to graded product.
A wheel loader is the primary loading and stockpile handling machine. It scoops sand, gravel and crushed stone from stockpiles, loads dump trucks, feeds hoppers and crushers, and maintains stockpile shape and site housekeeping. Its efficiency is often measured by cycle time and the ability to keep the plant continuously fed without excess spillage or idling.
Excavators are often used where digging is required (face work), where material is uneven or difficult, where oversize rock must be handled carefully, or where controlled feeding of a crusher is needed. Excavators can also reduce contamination in recycling operations by sorting and removing unwanted material before feeding the crusher.
Dozers push and level material, manage stockpiles, clear working areas, and maintain site access routes. They are particularly useful for moving large amounts of material short distances, pushing material into feeders, and shaping stockpiles so loaders can work safely and efficiently.
Dump trucks transport materials from extraction to processing, between plant stages, and from site to delivery locations. Smaller sites may use site dumpers or tippers; larger operations use articulated dump trucks (ADTs) for off-road haulage and rigid dump trucks where haul roads and conditions suit higher payloads.
Jaw crushers are typically used as primary crushers to reduce large rock into smaller, more manageable sizes. Impact crushers use high-speed impact to break material and can produce better shaping in some applications, often used in recycling or secondary crushing depending on material type and desired output.
Screening ensures material is separated into consistent size fractions that meet specification. Without accurate screening, you can’t reliably produce graded products, which leads to rejects, rework, customer complaints, and reduced margins. Vibrating screens can separate multiple fractions in one pass, improving overall plant efficiency.
Conveyors enable continuous movement between stages, reducing reliance on mobile plant. This can lower fuel consumption, reduce labour cost, improve safety by reducing site traffic, and create more consistent feeding of crushers and screens. Over time, reduced double handling can materially cut cost per tonne.
Bucket elevators transport fine materials like sand vertically within a plant. They are particularly useful where space is limited and material must be moved between levels for drying, screening, or storage.
Mixers and dryers condition wet sand by breaking clumps and reducing moisture content to improve screening and product quality. In certain markets, consistent moisture and grading are required for concrete and mortar applications, making drying and conditioning an important part of the production chain.
Often, yes. Many businesses finance a full spread or package that includes loading plant, crushers, screeners, conveyors, and supporting equipment. Packaging finance can simplify administration and align repayments to overall site output rather than individual asset schedules.
Yes. Used loaders, excavators, crushers, screeners, conveyors and trucks can often be financed, subject to condition, age, and lender criteria. Used equipment finance can be a cost-effective route for growing operations, especially if the machine has a strong service history and known provenance.
Hire Purchase is often preferred when you want ownership long term and expect to run the machine for many years. Finance Lease can be attractive when you want lower payments and the flexibility to upgrade. The best choice depends on asset type, wear profile, expected utilisation, and business strategy.
Refinance uses the equity in your existing assets as collateral to raise cash without selling the equipment. A lender values the machine, calculates your equity (market value minus any outstanding finance), and offers funding secured against the asset. You continue using the equipment as normal while receiving working capital for operations, repairs, upgrades, or growth.
Common refinanced assets include wheel loaders, excavators, dozers, dump trucks, crushers, screeners, conveyors, and certain plant support systems. Vehicles and, in some cases, property can also be refinanced depending on business circumstances and lender appetite.
Often, yes. Refinancing depends on equity rather than complete ownership. If the equipment is worth more than the outstanding balance, there may be usable equity. Gable Business Finance can help you assess whether refinance is viable and which assets are best suited.
If you supply aggregate into construction projects with long payment terms, invoice finance can release cash tied up in invoices so you can keep purchasing fuel, spares and labour while maintaining production. This can be particularly valuable during peak season or when taking on larger contracts.
Repairs, refurbishments, and major wear part programmes can sometimes be supported through working capital solutions, refinance, or structured loan products (depending on your needs). For asset-heavy businesses, refinance is commonly used to raise funds for major repairs without stopping production.
Timescales depend on asset type and deal complexity, but many agreements can be progressed quickly when documentation is available. In urgent situations, Gable Business Finance focuses on practical solutions that keep plant moving and avoid production disruption.
Yes. Funding can be structured around project durations using suitable products and repayment profiles. Contract hire or shorter-term structures may suit some project-based needs, while refinance and working capital can support mobilisation costs.
A regional aggregate supplier had strong demand but was struggling with loading speed during peak hours. Their existing wheel loader was undersized for the volume of sand and gravel being moved, leading to longer truck turnaround times and occasional queues. Gable Business Finance arranged Hire Purchase for a higher-capacity wheel loader with repayments structured to match peak-season cashflow. The business used the new loader to reduce cycle times, maintain cleaner stockpiles, and load outbound trucks faster. The result was improved daily tonnage movement, reduced labour overtime associated with loading delays, and better customer satisfaction due to quicker collections. Because ownership was important for long-term capability, Hire Purchase was selected rather than leasing.
A recycling yard processing crushed concrete had frequent crusher stoppages caused by inconsistent feeding and oversize lumps entering the hopper. The operator relied heavily on a wheel loader, but the feed was less controlled than required. Gable Business Finance arranged funding for a suitable excavator to feed the jaw crusher more consistently and to sort material prior to crushing. The excavator enabled controlled feed rates, reduced blockages, and allowed the operator to remove contamination earlier in the process. This improved throughput, reduced wear and tear on the crusher, and increased production of saleable aggregate. Funding was structured to preserve cash for ongoing wear parts and maintenance.
A quarry operation faced operational inefficiencies because stockpile management relied on loaders alone. Material movement was inconsistent and loader time was being wasted pushing and shaping stockpiles instead of loading trucks and feeding the plant. Gable Business Finance arranged finance for a bulldozer dedicated to stockpile shaping, pushing material to the feeder, and maintaining haul routes. By moving these tasks off the loader, the business improved loader utilisation, reduced fuel waste from unnecessary manoeuvring, and improved safety by creating more consistent working areas. The finance structure supported long-term ownership and aligned to the dozer’s expected working life.
A large civil engineering earthworks contractor operating an on-site processing setup had a bottleneck between extraction and the processing plant. Excavators and loaders were underutilised because there weren’t enough dump trucks to keep material moving. Gable Business Finance arranged a package facility to fund multiple dump trucks, allowing the contractor to increase internal haulage capacity and maintain consistent feed to the crusher and screener. The improved transport flow reduced idle time across the site, improved daily production, and helped the project meet programme milestones. Repayments were structured to align to project payment cycles to protect cashflow.
A quarry operator with growing demand for graded stone was limited by an aging primary crusher that could not sustain the required tonnage. The business needed a jaw crusher with higher throughput and better reliability. Gable Business Finance arranged finance to acquire the new jaw crusher and supporting feed equipment. With increased capacity, the operator reduced downtime, maintained more stable output into screening stages, and improved the consistency of product grading. The financing structure took account of the long asset life of a well-maintained crusher and the business’s plan to run the equipment for many years.
A recycled aggregate producer struggled to meet specification due to inconsistent grading. Oversize material was ending up in finished product piles, creating customer complaints and occasional rejected loads. Gable Business Finance arranged funding for a modern vibrating screener that could separate multiple fractions accurately and handle variable feed material. The screener improved product consistency, reduced rework, and enabled the business to offer more product grades, increasing revenue potential. Financing was structured to keep monthly costs manageable while allowing the operator to invest in additional stockpiling and dust management improvements.
A quarry relied heavily on wheel loaders to move crushed product from the crusher to screening and stockpiles, resulting in high fuel costs and heavy tyre wear. The operator identified that a conveyor installation would reduce double handling and improve safety by reducing traffic. Gable Business Finance arranged finance for a conveyor system integrated into the plant layout. The conveyors reduced loader travel, lowered fuel spend, improved material flow consistency, and reduced staffing pressure at peak times. Over time, the site saw lower cost per tonne and improved safety outcomes through reduced vehicle movements.
A sand supplier experienced seasonal issues with wet sand clumping, causing screening problems and inconsistent product quality. This impacted their ability to supply customers requiring consistent sand grading. Gable Business Finance arranged funding for a mixer/dryer system to condition the sand, break up clumps, and stabilise output. The result was improved product consistency, reduced production stoppages, and fewer customer complaints. The finance structure was aligned to seasonal revenue patterns, ensuring affordability even during quieter periods.
A growing aggregates business secured a long-term supply agreement but needed to scale production quickly. Rather than financing machines separately, Gable Business Finance arranged a combined facility covering a wheel loader, a crusher upgrade, an additional screener deck, and a conveyor system extension. This allowed the client to improve throughput across the entire process chain rather than fixing one bottleneck only to create another. The package approach simplified administration, created predictable repayments, and supported rapid operational scaling to meet the new supply contract.
An established quarry operator owned several high-value machines outright but faced a period of cashflow pressure due to increased fuel costs and an unexpected repair programme on a critical loader and crusher. Rather than delay repairs and risk downtime, the business used refinance to unlock equity from owned plant, raising working capital while continuing to use the assets. Gable Business Finance supported the valuation process, equity assessment, and funding structure to ensure capital was released quickly. The funds were used to complete repairs properly, purchase essential wear parts, and make targeted improvements to site layout to reduce material handling inefficiency. The result was stabilised cashflow, reduced downtime risk, and a stronger production position going into peak season.
Aggregate equipment is fundamental to construction, quarrying and materials processing. Wheel loaders, excavators, dozers, dump trucks, crushers, screeners, conveyors, mixers/dryers and bucket elevators each play a specific role in keeping sand, gravel and stone moving through a production chain efficiently and safely.
Gable Business Finance understands how diverse the construction sector is and the unique challenges it faces, particularly when it comes to finance. Having worked within this sector for many years, we understand the pressures of throughput, wear, downtime, compliance and cashflow. We can support you by providing flexible and competitive funding solutions, whether you need Hire Purchase, Finance Lease, Refinance, vehicle-style finance, working capital, invoice finance or contract hire. The goal is simple: keep your operation productive, your cashflow stable, and your business positioned to grow.