by Harry Hunter | Tue 14 Jul 2026
Construction Plant Finance (CPF) introduces PlantFlex finance solution
CPF has launched PlantFlex, a new finance option designed for contractors, plant hire companies and owner-operators investing in new construction equipment. Based on a Business Contract Purchase (BCP) agreement, the scheme offers greater flexibility by allowing customers to decide what to do with the machine at the end of the contract.
Customers make fixed monthly payments throughout the agreement before choosing one of three options at the end of the term: pay a final balloon payment to own the machine, return it, or use any available equity as a deposit on a replacement.
Available on any brand of new construction equipment, including excavators, dumpers, telehandlers and rollers, PlantFlex allows buyers to select the machine best suited to their business without being tied to a manufacturer-backed finance package.
The agreement is based around a Guaranteed Future Value (GFV), which is agreed before the contract begins. This fixed future value can reduce monthly payments compared with a traditional Hire Purchase agreement, as part of the machine's cost is deferred until the end of the term. If the equipment is returned within the agreed hours and condition limits, CPF assumes the residual value risk.
PlantFlex is aimed at businesses looking for predictable monthly costs and greater flexibility, particularly fleet operators that regularly replace machines or contractors wanting to keep future equipment options open.
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