Agricultural Finance

Agriculture is a capital-intensive industry, and modern farming often relies on specialized equipment to improve efficiency and productivity. Agricultural equipment finance provides farmers with the means to access, upgrade, or replace these essential tools without incurring a large upfront cost.

Access to modern and efficient agricultural equipment is crucial for farmers to remain competitive and sustain their operations. Agricultural equipment finance plays a vital role in supporting the agriculture industry by helping farmers overcome the financial barriers associated with acquiring the necessary machinery.


Key features of agricultural equipment finance include:

Types of Equipment Financed: Agricultural equipment finance covers a broad range of machinery used in farming, including tractors, harvesters, plows, planters, irrigation systems, and other specialized equipment.

Leasing: Similar to construction equipment finance, leasing is a common option for agricultural equipment. Farmers can lease equipment for a specified period, making regular payments, and may have the option to purchase the equipment at the end of the lease term.

Loans: Agricultural equipment loans involve borrowing a specific amount of money to purchase the needed machinery. The loan is repaid over time, typically with interest, and ownership of the equipment is transferred to the farmer once the loan is paid off.

Flexible Repayment Terms: Lenders often offer flexible repayment terms to accommodate the seasonal nature of agriculture. Repayment schedules may be structured to align with the cash flow generated from crop harvests or other income sources.

Manufacturer Financing: Some agricultural equipment manufacturers or dealers offer financing options directly to farmers. These arrangements may include special promotions, low-interest rates, or other incentives to encourage equipment purchases.

Used Equipment Financing: Farmers may have the option to finance used agricultural equipment. This can be a cost-effective solution for those looking to acquire machinery at a lower price point.

Collateral: The equipment being financed typically serves as collateral for the loan or lease. In case of default, the lender may have the right to repossess the equipment to recover the outstanding amount.

Government Programs: In some regions, government-sponsored agricultural financing programs may exist to provide favourable terms or subsidies to farmers seeking to invest in new equipment.

  • Funding available  for new and used equipment on terms up to 84 months
  • Manage your cash flow by providing you with seasonal and deferred payments
  • VAT deferral available, subject to status
  • Raise cash equity by refinancing existing equipment and machinery


Looking to grow your Agricultural business? Let us power your growth by simply contacting us via the details below:

0333 772 1782

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Agricultural Finance

  • Tractors
  • Forestry Equipment
  • Harvest Machinery
  • Combine Harvesters
  • Farming Machinery
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