Why Finance a Grain Dryer?
A high-capacity grain dryer is one of the largest capital investments on an arable farm, with modern continuous-flow dryers ranging from £80,000 to over £400,000. Asset finance spreads this cost over 2–7 years, preserving working capital and allowing the dryer to pay for itself through reduced grain losses and improved marketing flexibility.
Grain Dryer Finance Rates - October 2026
| Lender | Rate From (APR) | Best Suited To | Typical Term |
|---|---|---|---|
| Lombard | 5.8% | Large continuous flow dryers £100k+ | 3–7 years |
| Close Brothers | 6.2% | Batch & continuous flow, all sizes | 2–7 years |
| Shawbrook | 6.4% | Combined dryer & store facilities | 3–7 years |
| Aldermore | 6.6% | New entrant and mixed farm businesses | 2–7 years |
Types of Grain Dryer That Can Be Financed
Continuous Flow Dryers
High-throughput continuous flow dryers (GSI, Svegma, Sukup) are the most commonly financed model. Both new and good quality used units considered.
Batch Dryers
Static batch dryers suit smaller arable or mixed farms. Finance available from £15,000 upwards.
Dryer & Store Packages
Finance the complete grain handling system - dryer, conveyors, intake and store building - as a single combined facility.
New vs Used Grain Dryer Finance
New grain dryers are straightforward to finance at the best rates. Used dryers are also considered by most specialist agricultural lenders, though typically with a shorter maximum term and sometimes a slightly higher rate. Dryers over 10 years old may require an independent condition report.