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 storyReviewed by UK businesses
Sorted in 36 hours
"Bank wanted three weeks just to look at the file. AssetFi had the agreement signed and the digger paid for in 36 hours. Couldn't fault them."
Genuinely no fees
"I'd been stung by brokers before so I asked twice — really, no fees? Confirmed in writing. Got a sharper rate than my bank too. They've now done four vans for me."
Understood our cash flow
"We needed a CBCT scanner but our last accounts had a bad quarter. AssetFi went to specialist healthcare lenders, came back with three options and explained each properly. Brilliant."
Our panel
Lenders we use for agriculture & farming
Independent of any single lender. We place every deal with the funder offering the best fit on rate, structure and speed.
Plus 40+ specialist funders covering challenger banks, asset-specific lenders and tier-2 underwriters. Lender names shown are trademarks of their respective owners.
Questions 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?
Soft search. 24-hour decisions. No broker fees, ever.
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