Complete this online form with details of your enquiry and one of our advisors will call you back.
Gable Business Finance is an established independent agricultural finance specialist, helping farms, contractors, agri-businesses, and estates secure funding for all types of harvesting machinery. Whether you need a brand-new combine harvester, a used baler, or a fleet of specialist harvesters for root crops, our agricultural finance team provides tailored, flexible solutions designed to protect your cashflow and support your productivity.
We work with every major manufacturer and every type of harvesting system—financing many machines each year. From Hire Purchase (HP) to Finance Lease and seasonal payment profiles, Gable ensures you can acquire the machinery you need without compromising operational stability.
Harvesting machinery in the UK covers a wide spectrum of equipment used across arable, dairy, livestock, vegetable, root crop, and mixed farming enterprises. Gable Business Finance can arrange finance for new and used machinery across all categories below.
The most common type of harvester, combines are essential for crops such as wheat, barley, oilseed rape, oats, and beans. We arrange finance on all major brands, including:
Used heavily in dairy and livestock sectors, forage harvesters process grass, maize, and wholecrop silage. Finance options available for:
We arrange finance for specialised harvesters used in high-value root crop sectors:
Essential machinery for crop preparation prior to baling or forage collection.
Finance is available for vineyard machinery, fruit harvesters, hop harvesters, and other niche applications.
We also finance machinery that supports the wider harvest process:
The most popular finance route for combines and high-value harvesters. Pay a deposit, fixed monthly or seasonal payments, and gain full ownership at the end. HP is ideal for long-term assets with high residual values.
Similar to HP but with a larger final balloon payment, reducing monthly costs. Useful for expensive machines such as forage harvesters and high-horsepower combines.
Access machinery without tying up capital. You can extend, upgrade, or purchase the asset at the end.
Short-term, cost-effective access for seasonal machinery—ideal for contractors needing temporary capacity.
Release equity from existing equipment to fund upgrades or seasonal operations.
Pay when the farm earns. Choose annual, quarterly, or harvest-aligned schedules.
Yes. We finance brand-new, nearly-new, ex-demo, and used harvesters, subject to asset age and condition.
Yes. We specialise in agricultural finance structures including annual, quarterly, and harvest-aligned payment schedules.
Typical deposits range from 5% to 20%, depending on credit profile and asset age.
Absolutely. We regularly finance six-figure combines, forage harvesters, and root crop harvesters.
Yes. Headers, pick-up units, maize heads, and specialist attachments can be included in a single finance agreement.
Yes. We work with start-ups, expanding businesses, and established operators.
Yes. Asset refinance can release working capital from existing machinery to fund harvest operations.
Many applications are approved within 24–48 hours, depending on documentation.
This depends on the company structure, credit score, and asset value, but options without PGs may be available.
Yes. HP agreements allow early settlement without penalty beyond outstanding interest.
To learn more about our harvesting machinery finance options—or to request a tailored quote—contact the specialist agricultural team at Gable Business Finance. We are here to support your business through every harvest.
Modern harvesting machinery is essential for UK farms seeking to maximise efficiency and yields. However, the cost of new and used combines, forage harvesters, sugar beet harvesters, and other specialised equipment can be significant. Gable Business Finance offers a range of finance solutions tailored to help farms and rural businesses acquire the harvesting machinery they need without straining cash flow.
Whether you are a large arable farm, a livestock farm needing forage equipment, or a contracting business, there are flexible finance options to suit your operational requirements.
Leasing allows you to rent harvesting machinery for a set period, making regular payments instead of a large upfront purchase. Key benefits include:
Leasing is particularly attractive for contractors or farms seeking short- to medium-term use of high-value machinery.
Hire Purchase is a popular option for farmers who want to spread the cost of equipment while ultimately owning it. Features include:
HP is ideal for farms and contractors wanting long-term ownership while managing seasonal cash flow.
Agricultural loans provide a straightforward method to purchase harvesting machinery outright. Benefits include:
Credit lines give farmers quick access to funds for short-term needs or unexpected equipment expenses. They are particularly useful for:
Asset refinancing allows you to unlock capital from existing machinery that you already own. This approach can:
Many lenders offer seasonal financing plans that match the agricultural calendar. Features include:
We can arrange finance for combine harvesters, forage harvesters, sugar beet harvesters, self-propelled sprayers used in harvesting, feeder mixers, and other specialised crop harvesting equipment.
Yes. Gable Business Finance offers solutions for both new and used harvesting machinery, sourced from dealers, auctions, or private sales.
Leasing allows use of the machinery without immediate ownership and offers flexibility at the end of the term. Hire Purchase spreads the cost over time and results in full ownership at the end of the term.
Yes. Seasonal financing aligns repayments with harvests and crop sales, reducing financial pressure during slower periods.
No. Many HP and lease agreements include VAT deferral options, helping preserve working capital.
Yes. Asset refinancing allows you to borrow against owned machinery to fund new purchases or manage cash flow.
Yes. Solutions are scalable for smallholdings, family farms, large arable operations, and contracting businesses.
A Lincolnshire farm upgraded to a new Claas combine harvester using a seasonal HP plan from Gable. Payments were structured to follow harvest cycles, allowing immediate operational efficiency without affecting cash flow.
A livestock farm in Yorkshire acquired a John Deere forage harvester. Gable arranged a finance lease, enabling use immediately with the option to purchase after three years. Seasonal payments matched silage production periods.
A specialist root crop farm invested in a sugar beet harvester. Gable structured an HP agreement with VAT deferral, allowing the farm to spread costs and achieve full ownership over five years.
A Midlands contractor required a sprayer for crop protection during harvest. Gable arranged a term loan, allowing immediate ownership and integration into existing harvesting operations.
A Scottish farm acquired a McHale baler. Gable structured a short-term credit line to fund purchase and cover urgent harvest needs, allowing the farm to manage cash flow efficiently.
A large-scale East Anglian farm upgraded to a Claas Lexion using asset refinancing. Existing machinery was used as collateral, unlocking capital to fund the new machine without impacting working capital.
A dairy farm in Somerset acquired a Krone forage harvester. Gable arranged a seasonal HP plan with payments aligned to silage sales, improving cash flow and operational efficiency.
An arable farm in Norfolk purchased a Fendt combine harvester. Gable provided flexible lease finance, allowing the farm to upgrade machinery without significant upfront costs while maintaining access to modern technology.
Gable Business Finance is a trusted specialist in UK agricultural machinery finance. Our expertise in harvesting machinery ensures tailored solutions, including leasing, hire purchase, loans, credit lines, asset refinancing, and seasonal financing. We help farms, contractors, and rural businesses acquire high-value equipment while managing cash flow efficiently.
Gable Business Finance is one of the UK’s leading agricultural finance providers, supporting farmers, contractors, and rural enterprises in acquiring the harvesting machinery they depend on. Whether you operate a small family farm or a multi-site arable enterprise, Gable offers tailored finance for every type of harvester—new or used, mainstream or specialist.
Modern UK farms rely on a wide variety of harvesting machines, and each type comes with its own purchase cost, operational role, and financing considerations. At Gable, we understand the seasonal pressures, cashflow challenges, and investment cycles that farms face. That’s why we provide flexible funding options including Hire Purchase, Lease Purchase, Seasonal Payment Plans, Operating Leases, and Asset Refinance.
Gable Business Finance funds all major types of harvesting machinery used in UK agriculture. Below is a breakdown of the three primary categories.
Tractor-drawn harvesters are implements attached to the tractor rather than self-propelled machines. They rely on the tractor’s power (PTO) and movement to operate. These machines remain popular on smaller farms, mixed holdings, and enterprises where capital expenditure needs to stay tightly controlled.
Because tractor-drawn equipment is generally cheaper than self-propelled machines, many customers choose:
Gable works with all major implement manufacturers including Grimme, Kuhn, Dewulf, Kverneland, Shelbourne Reynolds, and McHale.
Self-propelled combine harvesters remain the cornerstone of arable farming across the UK. These machines independently power both movement and harvesting operations, making them extremely efficient for farms with hard soil, demanding landscapes, or large acreages.
Self-propelled combines often exceed £150,000–£450,000 depending on brand and age. Gable frequently arranges:
We finance all leading combine manufacturers including CLAAS, John Deere, New Holland, Case IH, Massey Ferguson, and Fendt.
Track combines are specialist machines fitted with tracks instead of conventional wheels. They offer enhanced traction, high stability, and exceptional performance in wet, soft, or uneven ground conditions.
Because tracked combines are specialist, high-value machines, customers often prefer:
Own the machine at the end of the agreement. Ideal for long-term assets.
Low upfront cost and flexible end-of-term options.
Balloon payment at the end helps reduce monthly outgoings on high-value harvesters.
Pay annually, bi-annually, or aligned to the harvest period.
Release capital tied up in existing machinery to help fund growth.
Yes. We finance brand-new, used, ex-demo, and refurbished machines.
Yes. We specialise in harvest-aligned payment schedules.
Typical deposits are 5–20%, depending on credit and asset age.
Absolutely. Sole traders, smallholders, and new-starts regularly secure finance with us.
Yes — we fund wheeled and tracked combines of all sizes.
Yes. Lease Purchase agreements allow for lower monthly payments with a final balloon.
We finance all leading brands, including CLAAS, John Deere, Case IH, New Holland, Fendt, Massey Ferguson, Krone, Holmer, and Grimme.
Yes. Asset refinance can release equity for working capital or deposits.
Yes — we work with partnerships, LLPs, limited companies, family farms, and corporate growers.
If you need tractor-drawn, wheeled, or tracked harvester finance, our specialist agricultural finance team can help. Contact Gable Business Finance for a tailored quote today.
Contact Gable Business Finance today to discuss harvesting machinery finance options and find the solution that works best for your farm or contracting business.