Finance that works with the seasons.
Tractors, combines, sprayers, balers, telehandlers and the kit that turns a working farm. Seasonal payment profiles, harvest-aligned terms and lenders who actually know AHDB grain prices.
£44m+
Funded into UK farms
Seasonal
Payment profiles available
84mo
Max term on prime tractors
0%
Deposit options on Tier 4 stock
If it earns its keep, we've probably funded one.
Tractors
John Deere, Massey Ferguson, Case IH, New Holland, Fendt, Claas, Valtra. New, used, ex-demo or part-exchange.
Harvesting
Combines, balers, foragers, swathers, mowers. Funded ahead of harvest with first payment timed post-yield.
Sprayers & spreaders
Self-propelled and trailed sprayers, fertiliser spreaders, slurry tankers, muck spreaders.
Livestock equipment
Milking parlours, robotic milkers, feeders, handling systems, sheds, slurry stores.
Telehandlers & loaders
Manitou, JCB, Merlo agri-spec. Funded separately or as part of a multi-asset agri agreement.
Renewables on-farm
Solar PV, battery storage, biomass boilers, AD plant. Specialist green-asset lenders increasingly competitive.
How agriculture & farming deals usually structure.
Typical ticket
£45k – £280k per machine
Range we fund
£10k implement → £1m parlour fit-out
Term
36 – 84 months
Deposit
0 – 15%
Structure
Hire purchase common; sale & leaseback on owned tractors to fund quota purchase; seasonal/annual payment profiles for harvest-led businesses.
The usual pain.
Income arrives once a year
Cash from harvest hits in autumn. Most lenders insist on monthly payments. We have funders who'll structure annual payments timed to grain sale.
BPS uncertainty spooks lenders
Generic credit teams panic at subsidy reform. Our agri-specialist lenders model on commodity output, not subsidy assumption.
Spec sheets get lost in translation
A 'Fendt 724 Vario S5 Profi+' means something specific. We talk to lenders who know the difference — and price accordingly.
How we structure it.
Agri-specialist lender panel
Including AMC, Oxbury, Triodos and three independent agri-funders. Sharper rates because they understand farm balance sheets.
Seasonal & annual profiles
First payment 6 months out. Annual payments after harvest. Skip-month profiles around lambing or calving. All available.
Diversification finance
Funded glamping pods, farm shops, anaerobic digesters, polytunnels and equestrian arenas across our farm clients.
A real agriculture & farming deal we placed.
£148,000
£148k tractor and implement package for arable expansion
Family arable farm taking on 240 acres of new tenanted land needed a Fendt 724 plus power harrow and drill before drilling window in October.
Read the full storyHelpful next steps for agriculture & farming businesses.
Explore the asset, agreement type, planning tools and guide most relevant to the equipment you are considering. The case study above shows a real example from this sector.
Tractor finance
Funding information for tractors, farm machinery and seasonal investment.
ExploreEquipment finance
Explore finance structures for farming equipment and machinery.
ExploreHire purchase
Understand an ownership-transfer structure for business assets.
ExploreMonthly-cost calculator
Model indicative repayment scenarios before discussing a proposal.
ExploreAgricultural equipment guide
Read a practical guide to financing farm equipment and machinery.
ExploreQuestions agriculture & farming customers ask.
Can I match payments to my harvest cash flow?
Yes — we have lenders who'll structure annual payments timed to your typical grain or root crop sale month, or seasonal profiles where six months of the year carry lower rentals. Worth flagging at quote stage so we go to the right funder first time.
Do BPS payments count as income for affordability?
It depends on the lender. Specialist agri funders will include direct payments and ELM/SFI income at full value; generic lenders often discount or exclude them. We pre-screen for lenders who model your actual income mix.
Can I finance second-hand tractors and combines?
Yes — used kit is a big part of the agri market. Most lenders will fund machines up to 8 years old at the start of a 5-year term, with a few stretching to 10 years on premium-brand tractors with full service history.
What about partnerships and tenant farmers?
We finance partnerships, sole traders, FBT tenants and limited companies. Tenancy agreements, BPS entitlements and stock valuations all factor into affordability — and we know which lenders are comfortable with each structure.
Ready to fund the next bit of agriculture & farming kit?
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