Specialist Finance

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.

Agricultural Equipment

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.

24hrs

Typical Decision

New

And Used Equipment

Seasonal

Repayment Options

All

Major Brands

Equipment Types

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.

The Process

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.

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.

Get a Quote Discuss Your Needs

FAQs

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.

Related finance

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.