Asset Finance for Agricultural Businesses
Modern farming demands modern equipment. Whether it is a new combine harvester, GPS-guided tractor, irrigation system, or grain dryer, asset finance lets agricultural businesses invest in productivity with payments spread over the equipment's working life.
Agricultural lenders understand the seasonal cash flow of farming. They offer seasonal repayment profiles — lower or zero payments during planting and growing seasons, with larger payments after harvest when income arrives. This matches your finance costs to your natural cash flow cycle.
Key Benefits
- Seasonal payment profiles matching harvest cash flow
- Finance new and used agricultural equipment
- Claim AIA on hire purchase for tax efficiency
- Balloon payments to keep monthly costs manageable
Frequently Asked Questions
Can I get seasonal payment profiles?
Yes. Agricultural lenders routinely offer seasonal profiles. For example, a dairy farmer might pay evenly, while an arable farmer might pay 70% of the annual cost after harvest and 30% during the rest of the year.
Is finance available for renewable energy equipment on farms?
Yes. Solar panels, wind turbines, biomass boilers, and anaerobic digesters installed on farms can be financed. These assets often qualify for additional incentives like the Smart Export Guarantee.
What about precision agriculture technology?
GPS systems, drones, automated feeders, robotic milking systems, and other precision agriculture technology are all eligible for asset finance. Made Smarter grants may cover part of the cost.
Can I refinance existing owned equipment?
Sale-and-leaseback is available for owned agricultural equipment. This releases capital tied up in existing assets, which can then be used for working capital, land acquisition, or diversification projects.
Related Funding Options
Asset Finance UK
Spread the cost of business equipment, machinery, and vehicles. Hire purchase, finance lease, and operating lease options for UK businesses.
Bridging Loans for Agricultural Businesses
Fast bridging finance for UK farms and agricultural businesses. Fund land purchases, barn conversions, and diversification projects.
Commercial Vehicle Finance for Agriculture
Finance tractors, trailers, and farm vehicles. Vehicle finance for UK agricultural businesses with seasonal payment options.
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Learn About Our Broker NetworkCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.