Farm and Agricultural Equipment Finance – Gable Asset Finance

Overview

UK farmers face constant pressure to increase productivity while controlling costs. The modern agricultural sector
is highly mechanised, relying on everything from tractors and combines to ATVs and crop sprayers. However, this
machinery represents a substantial investment, often costing tens or even hundreds of thousands of pounds.

Gable Asset Finance supports farms and rural businesses with tailored finance solutions that
allow you to spread the cost of machinery while keeping your cash flow healthy. With options such as leasing, hire
purchase, and finance loans, you can access the latest agricultural technology without large upfront capital outlay.

The Most Popular Agricultural Machinery

Below are the most commonly financed categories of farming and agricultural machinery in the UK:

• Tractors: The backbone of any farm, used for ploughing, planting, towing, and powering implements. Finance available on new and used tractors, including compact, utility, and large models.
• Combine Harvesters: High-value machines that cut, thresh, and clean crops. Finance options include long-term leases to spread costs over harvest cycles.
• Harrows: Affordable but essential for seedbed preparation. Finance available for standalone harrows or bundled with tractors.
• Seeders & Drills: For precision planting of crops. Asset finance ensures you can upgrade to modern, high-efficiency drills without heavy upfront costs.
• Ploughs: From single-furrow to multi-furrow ploughs, finance is available for both traditional and reversible ploughs.
• Fertiliser Spreaders: Key for maximising yields. Leasing allows you to keep up with the latest GPS-enabled models.
• Sprayers: Finance available for mounted, trailed, or self-propelled sprayers, including modern precision spraying systems.
• Irrigation Attachments: Pumps, reels, and drip irrigation systems can be financed individually or as part of larger farm equipment packages.
• Cultivators & Rotavators: Finance for soil preparation equipment, whether standalone or tractor-mounted.
• Mowers: Finance covers rotary mowers, flail mowers, and toppers, used in pasture management and forage preparation.
• Balers: Round and square balers can be financed to spread seasonal costs over time.
• Augers: Grain augers and conveyors are vital for efficient post-harvest handling and can be financed through equipment loans.
• Farm Trucks & Wagons: Finance for pickup trucks, wagons, and trailers used for crop and livestock transport.
• Loaders: Front-end loaders and skid steers are versatile and can be financed with attachments included.
• Telehandlers: Popular in agriculture for lifting and loading tasks; finance covers both new and used machines.
• Backhoes: Multi-purpose equipment combining a loader and excavator arm; finance options include long-term hire purchase agreements.
• Livestock Equipment: Handling systems, feeders, and housing infrastructure can also be financed as part of farm improvement projects.
• Trailers: Finance for general-purpose, livestock, grain, or silage trailers, essential for moving goods on and off the farm.
• Skid Steers: Compact, versatile machines for cleaning barns, loading feed, or construction work on the farm. Finance available on new and second-hand models.

Financing Options Available

Agricultural machinery often comes with a six-figure price tag. With Gable Asset Finance, you can
access affordable finance structures tailored to your farm’s needs.

Hire Purchase

Pay for your machinery in instalments over an agreed term. Once the final payment is made, ownership transfers to you.
Ideal for farms that want to eventually own the equipment outright.

Leasing

A cost-effective way to use modern machinery without committing to full ownership. Leasing agreements often include
the option to upgrade to newer, more efficient models at the end of the term.

Finance Loans

Secure a loan to purchase equipment outright, repaying the borrowed capital over time. Provides flexibility and allows
you to retain ownership of the asset from day one.

Benefits of Agricultural Equipment Finance

• Preserve Cash Flow: Keep working capital available for running costs like feed, fertiliser, and labour.
• Predictable Budgeting: Fixed monthly payments make financial planning straightforward.
• Tax Advantages: Leasing repayments are often deductible as business expenses.
• Access to Technology: Upgrade to more efficient, eco-friendly machinery as your business grows.
• Tailored Repayments: Flexible repayment structures can be aligned with seasonal farming income cycles.

Frequently Asked Questions (FAQ)

Can I finance second-hand farm equipment?

Yes. We can arrange finance for both brand-new and used agricultural machinery, helping you save money while acquiring reliable tools.

Do you offer seasonal repayment options?

Yes. We understand farming income can be seasonal, so we can structure repayments to align with harvest or livestock sales.

What types of agricultural equipment can I finance?

You can finance tractors, harvesters, sprayers, balers, ploughs, irrigation systems, trailers, ATVs, and almost all types of agricultural machinery.

Do I own the equipment at the end of the finance agreement?

If you choose hire purchase, yes—you own the equipment outright once payments are complete. With leasing, the equipment is usually returned, but you may have an option to upgrade or extend.

Are leasing payments tax deductible?

In many cases, leasing payments can be offset as business expenses, lowering your overall tax liability. We recommend checking with your accountant for specific advice.

How quickly can finance be approved?

Once your application and supporting documents are provided, finance approval can often be arranged within just a few working days.

Can I finance attachments and smaller tools?

Yes. Finance is not limited to tractors and harvesters—it can also cover implements, attachments, and smaller essential farm tools.

What if I want to upgrade machinery before my term ends?

Depending on your agreement, you may have the flexibility to refinance or upgrade to newer models mid-term, ensuring your farm stays competitive.

Get Started

Don’t let upfront machinery costs hold back your farm’s growth. Contact Gable Asset Finance today
to explore flexible agricultural equipment finance solutions designed to fit your business.