Farm Equipment Finance
Finance for agricultural machinery and equipment. Tractors, combines, sprayers, and precision agriculture technology, with seasonal repayment options to match your farming cash flow.
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What happens next
- Fill in the form. It takes about 2 minutes.
- We'll email you back with any additional questions, then match you with the right specialist for your situation.
- A specialist independent broker will contact you to discuss your situation and present options.
Keep your farm equipped without the capital strain
Modern farming demands significant investment in machinery and technology. From replacing an ageing tractor to investing in precision agriculture systems, the capital cost of keeping your operation efficient can be substantial. Equipment finance lets you spread these costs over the productive life of the asset.
We work with specialist agricultural finance lenders who understand farming equipment values, seasonal income patterns, and the critical timing of machinery purchases. Whether you need a combine before harvest or a new tractor for spring planting, we move at farming speed.
Finance for every type of farm equipment
Tractor Finance
Finance for tractors of all sizes from all major manufacturers. From compact utility tractors to high-horsepower arable machines. New and used with flexible deposits.
Combine Harvester Finance
Fund combine harvesters and forage harvesters without depleting your cash reserves. Seasonal repayment structures that align with harvest income are available.
Sprayer and Spreader Finance
Self-propelled and trailed sprayers, fertiliser spreaders, and precision application equipment. Fund the technology that improves your yields and efficiency.
Precision Agriculture
GPS guidance systems, auto-steer, yield mapping, drone technology, and farm management software. Finance the technology that drives modern farming productivity.
Seasonal Repayments
Farming income is concentrated around harvest and sales periods. We arrange repayment schedules that match your cash flow - higher payments when income arrives, lower payments during growing seasons.
New and Used Equipment
Finance is available for new and used machinery. Specialist agricultural lenders understand equipment values and offer competitive terms on quality used machines.
How it works
Equipment Details
Share the equipment you need - type, make, model, dealer, and quote. We assess the best finance structure based on the asset type and your farming operation.
Agricultural Quote
We source terms from specialist agricultural finance lenders, presenting options that include seasonal repayment structures where available.
Fast Decision
Agricultural lenders understand farming timelines. When equipment is needed for planting or harvest, decisions are prioritised accordingly.
Equipment Delivered
Once approved, we settle with the dealer and you take delivery. The equipment is working for your farm while you spread the cost over its productive life.
Equipment Finance Categories
Select an equipment category to compare lender rates and eligibility criteria side by side.
Telehandler Finance
Agricultural and dual-use telehandlers, new and used. Rates from 5.7%. View rates & lenders →
Livestock & Dairy Equipment Finance
Milking parlours, robots, slurry systems, livestock handling equipment. View rates & lenders →
Agricultural Vehicle Finance
ATVs, UTVs, quad bikes and specialist farm vehicles. All lenders compared. View rates & lenders →
Lender Panel - Agricultural Equipment Finance October 2026
| Lender | Type | Rate from | Max LTV | Max term | Strengths |
|---|---|---|---|---|---|
| Close Brothers | Independent | 5.5% | 80% | 7 yrs | Hire purchase specialists, flexible structuring for farms |
| Aldermore | Independent | 5.9% | 80% | 7 yrs | SME-focused, fast credit decisions, wide asset range |
| Shawbrook | Independent | 6.1% | 75% | 5 yrs | Finance lease specialists, sale & leaseback expertise |
| Lombard | Captive | 5.8% | 80% | 10 yrs | Longest terms available, infrastructure & renewables |
| Wesleyan | Independent | 6.4% | 75% | 5 yrs | Specialist professional sectors, flexible repayment |
| CAF Bank | Independent | 6.8% | 70% | 5 yrs | Charitable & community rural enterprises |
| Funding Circle | Independent | 7.2% | 70% | 5 yrs | Fast online decisions, new-to-credit businesses |
| Cynergy Bank | Independent | 6.6% | 75% | 7 yrs | Family farm specialists, bespoke underwriting |
| Fleximize | Independent | 8.5% | 65% | 4 yrs | Start-ups and adverse credit considered |
| iwoca | Independent | 9.9% | 60% | 3 yrs | Short-term working capital, same-day decisions |
Common questions
What counts as agricultural equipment for finance purposes?
Agricultural equipment typically includes non-powered or ancillary assets used in farm operations: telehandlers, pallet trucks, grain augers, conveyors, livestock handling systems, milking parlours, bulk tanks, slurry management systems, irrigation systems, ATVs, UTVs and specialist farm vehicles.
Can I finance telehandlers used for both farming and construction?
Yes. Dual-use telehandlers are accepted by most lenders on our panel, though some captive finance companies require the asset to be primarily used in agriculture. Close Brothers and Aldermore are particularly flexible on dual-use equipment.
Are milking robots and precision dairy systems eligible for finance?
Yes. Milking robots, automated feeding systems, fertility monitoring systems and parlour upgrades all qualify for standard agricultural equipment finance. These assets typically hold value well, which supports competitive rates.
How long can I finance agricultural equipment for?
Terms of 3–7 years are most common for equipment finance. Lombard can extend to 10 years for major infrastructure-type items. Shorter 12–36 month agreements are available from Funding Circle and iwoca for working capital-style facilities.
Finance your next piece of farm equipment
Share the equipment details and we will provide a competitive quote with seasonal repayment options. Fast decisions for time-sensitive purchases.
Farm equipment finance by asset type
Dedicated pages for the machinery, livestock and farm infrastructure we fund most often.
Frequently asked questions
What is specialist finance?
Specialist finance covers funding for assets and sectors that sit outside mainstream lending - agricultural machinery, construction plant, commercial vehicle fleets, equestrian property, farm diversification and similar. Lenders in this space understand the asset and the industry, not just a credit score.
What assets can be financed?
New and used agricultural machinery, tractors, diggers and excavators, HGVs and trucks, vans and fleet vehicles, farm equipment, livestock facilities, equestrian buildings and land - essentially any identifiable income-producing or business-critical asset.
How is specialist finance structured?
Most commonly as hire purchase (you own the asset at the end) or finance lease (lender retains title and leases to you). Refinance and sale-and-leaseback options are also available to release capital from assets you already own.
What deposit and term applies?
Typical deposits are 10-20% of asset value. Terms run from 2 to 7 years depending on the asset's useful life and your preferred cash flow. Balloon payments can be structured in where helpful.
Can startups or new ventures access specialist finance?
Yes - specialist lenders routinely fund new-entrant farmers, newly-incorporated transport operators and first-time business asset buyers. Strong industry experience, a viable business plan and a reasonable deposit typically carry more weight than company trading history.
Explore related pages
Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.
Asset Finance Rates 2026
Current rates, the full fee breakdown and a worked cost example. Updated November 2026.
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