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Gable Business Finance is a specialist in arranging finance for cultivation machinery. Our team has extensive experience helping farmers, contractors, and rural businesses secure flexible finance solutions for new and used equipment from the world’s leading agricultural machinery manufacturers. From tractors and ploughs to harrows, cultivators, and rotavators, we ensure your machinery requirements are met while keeping cashflow intact.
The cultivation machinery market is dominated by a small number of global leaders renowned for their quality, reliability, and innovation. Gable Business Finance works with all the major brands to provide finance for their machinery across the UK.
John Deere is the largest agricultural equipment manufacturer in the world, recognised for its iconic green and yellow machinery. The company produces a full range of tractors, planters, ploughs, and secondary tillage tools. John Deere’s technology-led approach includes GPS guidance and precision farming systems, helping farmers maximise yield and efficiency.
CNH Industrial owns two prominent brands: Case IH and New Holland. Case IH is known for high-horsepower tractors, advanced cultivators, and ploughs, while New Holland offers versatile machinery for soil preparation and crop care. Both brands provide modern implements and integrated precision technology.
AGCO produces a broad range of cultivation equipment under brands such as Massey Ferguson, Fendt, and Valtra. Massey Ferguson is widely respected for reliability and versatility, Fendt focuses on high-end, precision tractors and tillage tools, and Valtra provides robust solutions for tough farming conditions.
Kubota is a major manufacturer of compact and mid-range tractors, as well as rotavators and seedbed preparation equipment. Their machines are popular on smaller farms, estates, and horticultural operations due to their durability, ease of use, and cost efficiency.
Primarily known for high-performance combines, Claas also produces tractors, harrows, and rotary tillers. Claas equipment is recognised globally for its engineering quality and suitability for professional farming operations.
Other significant players in cultivation machinery include Mahindra & Mahindra, with compact and utility tractors, and KUHN, a specialist manufacturer of ploughs, cultivators, and precision seedbed equipment.
Cultivation machinery can be broadly divided into primary and secondary tillage equipment. Each type is designed to improve soil structure, optimise seedbeds, and prepare fields for efficient crop production. Gable Business Finance helps farmers and contractors arrange finance for all these machinery types.
Ploughs are used for primary tillage, turning and loosening the soil to prepare it for sowing. Different types include:
Common brands: John Deere, Case IH, New Holland, KUHN
Harrows perform secondary tillage, breaking up clods and creating a fine seedbed. Types include:
Common brands: John Deere, AGCO, KUHN, Great Plains
Cultivators are used for secondary tillage and weed control. They loosen soil without inverting it, improving aeration and root penetration. Modern cultivators often include precision depth control and GPS-guided features.
Common brands: John Deere, Case IH, KUHN (e.g., Cultimer series), Hatzenbichler
Rotary tillers use rotating blades to cut and pulverise soil, preparing seedbeds efficiently for small-scale and intensive farming.
Common brands: Kubota, FMWorld, KUHN (e.g., EL series)
Subsoilers break up compacted layers beneath the soil surface, improving drainage and root development. Often used in heavier soils and high-intensity cropping systems.
Common brands: KUHN (DC series), Case IH
Gable Business Finance provides tailored financing solutions to help farmers acquire the machinery they need without overextending their working capital. Common UK financing options include:
HP allows you to pay a deposit and monthly instalments, gaining ownership at the end of the term. Ideal for tractors, ploughs, and harrows, HP provides predictable monthly payments and long-term ownership.
This option reduces monthly payments by deferring a larger “balloon” payment to the end of the term. It is suitable for high-value equipment such as combines, telehandlers, and large cultivators.
A Finance Lease allows use of machinery over a fixed term with options to extend, upgrade, or purchase at the end. Perfect for farms needing access to modern equipment without a large upfront investment.
Short-term leasing provides machinery for seasonal needs without ownership. Ideal for sprayers, hedge cutters, or additional tractors during busy periods.
Borrow a lump sum to purchase machinery outright. Suitable for established farms with strong financial records, offering immediate ownership and operational flexibility.
Leverage existing machinery to fund new purchases, or release capital from current assets to improve cashflow. This is particularly useful for farms investing in precision cultivation tools and high-value implements.
For bespoke or high-value machinery, payments can be structured in stages during manufacturing or delivery. This ensures suppliers receive funds at key milestones while helping farmers manage cashflow.
At Gable Business Finance, we understand that efficient cultivation machinery is essential for modern farming. Our specialist team helps you secure finance quickly and efficiently so that your farm can operate at peak performance.
Contact Gable Business Finance today to discuss your cultivation machinery finance requirements and explore the best solutions for your business.
Gable Business Finance is the UK’s leading specialist in financing cultivation machinery for farms, estates, contractors, and rural enterprises. We understand that modern agriculture requires a wide range of high-performance machinery to maximise efficiency, improve crop yields, and manage operational costs. Whether you’re investing in new or used tractors, ploughs, cultivators, seeders, sprayers, harvesters, balers, telehandlers, or utility vehicles, we offer tailored financing solutions to suit your business needs.
Our team works closely with UK farmers and rural businesses to ensure that your cultivation machinery finance aligns with your cashflow, seasonality, and long-term investment plans. We provide access to a wide panel of specialist agricultural lenders who understand the unique requirements of farming operations.
The UK agricultural sector relies on a diverse range of cultivation machinery to prepare the soil, sow seeds, care for crops, and harvest efficiently. Key categories include:
Financing cultivation machinery allows farmers and rural businesses to invest in essential equipment without tying up valuable working capital. At Gable Business Finance, we offer a full range of UK financing solutions tailored to the agricultural sector.
Hire Purchase is a popular method for financing cultivation machinery:
Lease Purchase allows reduced monthly payments via a larger final “balloon” payment:
A Finance Lease offers flexibility for longer-term use without immediate ownership:
Operating Leases are short-term rental solutions:
Borrow a lump sum to purchase machinery outright:
Leverage existing machinery or assets to secure finance for new purchases:
Refinance existing cultivation machinery to improve cashflow:
For bespoke or high-value machinery that is manufactured or assembled:
We finance all major cultivation machinery including tractors, ploughs, cultivators, harrows, subsoilers, seeders, drills, sprayers, fertilizer spreaders, harvesters, balers, telehandlers, trailers, UTVs, ATVs, and hedge cutters.
Yes. Our specialist lenders provide finance for both new and used machinery, from small to high-value items.
Yes. Finance agreements can be tailored to match farm income cycles, including seasonal repayment holidays or reduced payments during low-income periods.
Hire Purchase allows full ownership at the end of the term with fixed payments. Lease Purchase uses a larger final balloon payment to reduce monthly costs, with ownership transferred after the balloon is paid.
Yes. Implements such as ploughs, cultivators, seeders, harrows, sprayers, and balers can be included in a single finance agreement.
Yes. Many agreements allow VAT to be deferred, helping with cashflow, particularly for new or recently established businesses.
Yes. We work with specialist lenders who can provide finance to new-start farms, subject to credit approval and business plan assessment.
Yes. Asset refinance allows you to release capital from current machinery to fund new purchases or operational costs.
Most finance applications can be approved within 24–48 hours, subject to documentation and lender requirements.
Yes. Stage payment finance is available for custom-built machinery, allowing payment during the manufacturing or assembly process.
Yes. Operating leases are ideal for short-term requirements, such as seasonal use of sprayers, harvesters, or utility vehicles.
At Gable Business Finance, we understand the needs of UK farmers and rural businesses. Our goal is to make the process of financing cultivation machinery simple, efficient, and tailored to your operational requirements.
Contact us today to discuss your cultivation machinery finance needs and explore the most suitable options for your farm or rural enterprise.
Gable Business Finance — Financing the UK’s Rural Future with Expert Machinery Solutions.