Livestock & Dairy Equipment Finance Rate Comparison - October 2026
The table below shows indicative rates from the three most active specialist agricultural lenders for livestock and dairy equipment finance. All rates are as of October 2026 and subject to credit assessment.
| Lender | Rate From | Best For | Min Amount | Terms |
|---|---|---|---|---|
| Close Brothers | 6.2% APR | Established limited companies, milking robots | £10,000 | 12–84 months |
| Shawbrook | 6.4% APR | Mid-large ticket, used equipment | £10,000 | 12–84 months |
| Aldermore | 6.6% APR | Sole traders, seasonal income profiles | £10,000 | 12–84 months |
Representative rates only. Your rate will depend on credit profile, deposit, term, and asset type. Sourced October 2026.
Rates by Asset Type - October 2026
| Asset | Best Rate From | Lender | Typical Term |
|---|---|---|---|
| Milking Robots (DeLaval, Lely, GEA) | 6.2% APR | Close Brothers | 36–84 months |
| Automated Feeding Systems (TMR, Trioliet) | 6.5% APR | Close Brothers | 24–72 months |
| Dairy Cooling & Refrigeration | 6.6% APR | Close Brothers / Shawbrook | 24–60 months |
| Cattle Handling & Crush Equipment | 6.8% APR | Close Brothers | 24–60 months |
| Slurry Management Systems | 7.0% APR | Shawbrook | 24–60 months |
| Pig & Poultry Systems | 7.2% APR | Aldermore | 24–60 months |
How to Get the Best Rate
Match Lender to Business Type
Close Brothers offers the sharpest rates but prefers established limited companies. If you're a sole trader, Aldermore's flexibility may deliver a better overall outcome even at a slightly higher headline rate.
Consider Your Term Carefully
Rates are often most competitive at 36–60 month terms. Longer terms (72–84 months) reduce monthly payments but can carry a rate premium. Shorter terms typically attract the best rates for strong credits.
Use a Broker
Going direct to a lender means a single rate from one lender. Using Doulton Bridging Finance means your case goes to our full panel simultaneously, and we negotiate on your behalf.
Lender Profiles
Close Brothers
From 6.2% APR. The strongest rates for established farming businesses. Dedicated agricultural team; fixed rates for the full term; milking robot expertise. Full Close Brothers rates →
Shawbrook
From 6.4% APR. Asset-focused underwriting; strong on used equipment; HP and finance lease; mid-to-large ticket specialist. Full Shawbrook rates →
Aldermore
From 6.6% APR. Most flexible on sole traders and seasonal income. Pragmatic underwriting; seasonal payment structures available. Full Aldermore rates →
Rates and criteria by lender
How each lender and manufacturer finance scheme on our panel prices this asset in October 2026, and where it fits. Rates are indicative; we compare them all for your case.
Aldermore Livestock & Dairy Equipment Finance Rates
Aldermore Bank offers specialist asset finance for the agricultural sector with a reputation for pragmatic underwriting. They are particularly valued for their willingness to support sole traders, smaller farming businesses, and applicants with non-standard income profiles.
| Asset Type | Rate From (APR) | Term Range | Min Finance | Structure |
|---|---|---|---|---|
| Milking Robots & Dairy Automation | 6.6% | 36–84 months | £20,000 | HP / Finance Lease |
| Automated Feeding Systems | 6.9% | 24–72 months | £10,000 | HP / Finance Lease |
| Cattle Handling & Housing | 7.1% | 24–60 months | £10,000 | Hire Purchase |
| Dairy Cooling Equipment | 7.0% | 24–60 months | £10,000 | HP / Finance Lease |
| Pig & Poultry Systems | 7.3% | 24–60 months | £10,000 | Hire Purchase |
| General Livestock Equipment | 7.5% | 12–60 months | £10,000 | Hire Purchase |
Close Brothers Livestock & Dairy Equipment Finance Rates
Close Brothers Bank is one of the UK's leading specialist asset finance lenders with a dedicated agricultural division. They offer competitive hire purchase and finance lease products across milking robots, automated feeding systems, cattle handling, and general dairy equipment.
| Asset Type | Rate From (APR) | Term Range | Min Finance | Structure |
|---|---|---|---|---|
| Milking Robots (DeLaval, Lely, GEA) | 6.2% | 36–84 months | £25,000 | HP / Finance Lease |
| Automated Feeding Systems | 6.5% | 24–72 months | £15,000 | HP / Finance Lease |
| Cattle Handling & Crush Equipment | 6.8% | 24–60 months | £10,000 | Hire Purchase |
| Dairy Cooling & Refrigeration | 6.6% | 24–60 months | £10,000 | HP / Finance Lease |
| Slurry Management Systems | 7.0% | 24–60 months | £10,000 | Hire Purchase |
| General Livestock Equipment | 7.2% | 12–60 months | £10,000 | Hire Purchase |
Shawbrook Livestock & Dairy Equipment Finance Rates
Shawbrook Bank's business finance division provides asset finance for agricultural equipment with a strong focus on livestock and dairy operations. Their rates are competitive across most dairy equipment categories, and their asset-focused underwriting suits farmers making significant capital investments.
| Asset Type | Rate From (APR) | Term Range | Min Finance | Structure |
|---|---|---|---|---|
| Milking Robots & Dairy Automation | 6.4% | 36–84 months | £20,000 | HP / Finance Lease |
| Automated Feeding & TMR Systems | 6.7% | 24–72 months | £15,000 | HP / Finance Lease |
| Cattle Handling Equipment | 6.9% | 24–60 months | £10,000 | Hire Purchase |
| Dairy Cooling & Tank Equipment | 6.8% | 24–60 months | £10,000 | HP / Finance Lease |
| Slurry & Waste Management | 7.1% | 24–60 months | £10,000 | Hire Purchase |
| General Livestock & Farm Buildings | 7.4% | 12–72 months | £10,000 | HP / Finance Lease |