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Major repairs are an unavoidable part of operating within the construction sector. Heavy plant, machinery, vehicles, and specialist equipment work in some of the harshest conditions of any industry. Constant use, extreme loads, abrasive materials, weather exposure, and demanding schedules mean that even well-maintained assets will eventually require significant repair or overhaul.
At Gable Business Finance, we understand that repairs are not discretionary spending. When a critical machine breaks down, projects stall, labour is left idle, contractual deadlines are missed, and costs escalate rapidly. The ability to fund repairs quickly and intelligently can be the difference between maintaining momentum on site and suffering serious commercial disruption.
The construction sector is one of the most diverse industries in the UK, encompassing groundworks contractors, civil engineering firms, demolition specialists, plant hire companies, infrastructure contractors, developers, and logistics operators. Having worked within this sector for many years, Gable Business Finance understands the unique financial pressures construction businesses face when unexpected repair costs arise. Our role is to provide flexible, fast, and practical funding solutions that keep essential plant operational — without forcing businesses into poor financial decisions.
Construction equipment operates far beyond the duty cycle of most business assets. Excavators, bulldozers, dumpers, crushers, screeners, cranes, and vehicles are expected to perform day after day under extreme mechanical stress.
Common causes of major repair requirements include:
Even with proactive servicing, major repairs are a normal part of asset ownership. The challenge for construction businesses is not whether repairs will occur — but how to fund them without destabilising cashflow.
When a key machine is out of action, the financial impact is immediate and often far greater than the cost of the repair itself.
Downtime can result in:
This is why construction businesses need repair funding solutions that prioritise speed, flexibility, and minimal disruption to existing finance arrangements.
Engine rebuilds, replacements, and powertrain overhauls are among the most expensive unplanned costs faced by construction businesses. These repairs are often essential to restoring a machine to service and extending its working life.
Hydraulic systems are the backbone of most construction plant. Failures can halt operations completely and frequently require specialist labour and parts.
Structural damage or fatigue must be addressed immediately for safety and compliance reasons. These repairs are non-negotiable and often time-sensitive.
Modern plant relies heavily on electronic controls and diagnostics. Electrical faults can be complex, costly, and disruptive.
Repairs required to meet emissions standards, site safety rules, or regulatory inspections are increasingly common and must be completed before equipment can return to site.
Gable Business Finance provides multiple funding routes for construction plant repairs. However, in practice, loans and refinancing existing equipment are often the most effective and commercially sensible solutions.
Short-term loans are ideal for urgent repair situations where speed is critical. These facilities provide fast access to capital without requiring changes to existing asset finance agreements.
Short-term repair loans are particularly effective when:
They are commonly used for emergency engine repairs, hydraulic failures, and compliance-related work.
When repair work significantly extends the useful life of an asset, long-term loans often represent the most balanced solution.
Long-term loans are well suited to:
By spreading the cost over a longer period, repayments align more closely with the extended earning life of the machine.
Refinancing existing equipment is one of the most powerful and underused tools available to construction businesses when funding major repairs. It is particularly effective for businesses that are asset-rich but cash-poor — a common situation within construction.
Refinancing hard assets means using your existing physical business assets — such as machinery, vehicles, or even property — as collateral to raise cash. Instead of selling essential equipment, you unlock the value already tied up in those assets and continue using them as normal.
Lenders provide funding based on the asset’s current market value and the equity you hold in it. This allows you to raise working capital for repairs, operations, or growth while keeping your fleet fully operational.
This approach is particularly well suited to sectors like construction, manufacturing, agriculture, and logistics, where businesses often own high-value equipment outright.
Crucially, the asset remains in use throughout the agreement, allowing you to generate revenue while funding repairs.
Refinancing is particularly effective for funding repairs because:
For many construction businesses, refinancing allows major repairs to be completed properly rather than delayed or patched due to cash constraints.
Gable Business Finance understands how diverse the construction sector is and the unique challenges it faces when dealing with unexpected repair costs. Having worked with construction businesses for many years, we know that the best solution is rarely one-size-fits-all.
We specialise in:
It depends. Refinancing is ideal when you have equity in assets and need larger sums, while loans suit urgent or smaller repairs.
Yes. Lenders focus on equity, not just ownership.
In many cases, within a few working days.
Yes. Funds are not restricted to a single invoice.
No. You continue using the asset as normal.
Yes, subject to circumstances and asset value.
The asset itself acts as security.
Most agreements allow early settlement.
Yes. Commercial vehicles are commonly refinanced.
Yes. It is often used for emissions and safety upgrades.
A contractor refinanced a fully owned excavator to fund a major engine rebuild, avoiding downtime and preserving cash reserves.
Equity release from existing plant funded urgent hydraulic repairs without new borrowing elsewhere.
Multiple assets were refinanced to fund planned major repairs across a fleet.
Refinance avoided emergency hire costs during peak trading.
Asset refinance funded emissions upgrades across multiple machines.
Fast refinance funding prevented contractual penalties.
Refinancing ensured hired plant remained revenue-generating.
One refinance facility covered several major repairs.
Major refurbishment was funded to extend asset life by several years.
Refinance funded repairs while preserving fleet size and capability.
Major repairs are inevitable in construction, but financial disruption doesn’t have to be. Gable Business Finance provides specialist repair funding solutions — with loans and equipment refinance at the core — helping construction businesses unlock capital, protect cashflow, and keep critical plant operational when it matters most.