The challenge
A fruit grower needed irrigation equipment and a compact tractor ahead of a dry growing season, but income would not arrive until harvest contracts settled.
What we did
A 72-month hire purchase structure with seasonal repayments weighted after harvest, supported by supermarket supply contracts.
The outcome
The equipment was installed before peak irrigation demand and repayments now follow the orchard's real cash-flow cycle.
The full story
How the deal came together.
Cash flow did not match the need
The equipment was needed before the hottest months, but the grower's income profile was harvest-led. A level monthly payment would have put unnecessary strain on spring cash flow.
Seasonal structure
We placed the deal with an agriculture lender that understood post-harvest cash cycles and could weight repayments after crop receipts.
Outcome
The irrigation system protected yield through the season, and the compact tractor added flexibility across pruning, spraying and trailer work.
Case-study record
This story is based on a completed transaction record supplied to AssetFi. Client, asset and commercial details may be anonymised or summarised to protect confidentiality. It is an illustration of one customer’s circumstances, not a promise of approval, pricing, terms or timescale for another business.
Could you fund this?
Businesses with similar requirements may have finance options available, but eligibility, pricing and approval depend on the individual business, asset and provider assessment.