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Gable Asset Finance specialises in providing flexible and practical finance solutions tailored to the needs of UK farmers and agricultural businesses. We understand the unique challenges of the agricultural sector — from seasonal income patterns to the high cost of essential machinery — and we are here to help farms secure the tools and technology they need to thrive.
Asset finance is designed to help farmers secure funds for acquiring essential business assets such as vehicles, machinery, and farm equipment, without having to pay the full price upfront. Instead of tying up working capital, farmers spread the cost through regular monthly repayments. This ensures cash flow remains available for other crucial aspects of the business, such as feed, wages, seed, livestock care, or ongoing maintenance.
At Gable Asset Finance, we arrange specialist agricultural finance solutions that give you the freedom to access the latest technology and equipment while keeping financial stability at the heart of your business. Whether you are upgrading your tractor fleet, installing solar panels, or investing in robotic milking systems, we can provide a package suited to your circumstances.
The agricultural industry is both highly seasonal and very capital-intensive. Revenue can fluctuate significantly throughout the year depending on crop cycles, livestock sales, and weather patterns. At the same time, farmers often face major upfront costs when purchasing equipment such as harvesters or milking parlours.
Asset finance allows you to overcome these challenges by spreading large capital costs over time. By doing so, you can:
Ultimately, agricultural finance gives farmers the security to plan ahead, upgrade equipment, and embrace innovative technologies that can drive productivity for years to come.
At Gable Asset Finance, we can arrange finance for a broad range of agricultural machinery, vehicles, and equipment — whether new or used. Below is just a sample of the assets we can fund for UK farmers and agricultural businesses:
We have extensive experience in financing both new and used agricultural equipment from leading UK and international manufacturers. Whatever you need for your farm, we can help structure affordable finance for it.
And many more leading agricultural brands — if you need finance for it, we’ll find a solution.
We understand that every farm has unique needs, so our finance facilities can also include other essential equipment, from irrigation systems to renewable energy solutions and beyond.
We provide a wide range of finance products to suit the specific requirements of your farm or agricultural business. Common options include:
Hire Purchase allows you to spread the cost of farm equipment over a fixed term. At the end of the agreement, you own the asset outright, making this an excellent choice for farmers investing in long-term machinery.
A finance lease gives you the use of the asset over an agreed term while spreading costs into manageable payments. At the end, you may return, upgrade, or extend the lease, providing flexibility for rapidly evolving technology like robotics or renewable energy equipment.
An operating lease is perfect for assets you only need for a fixed period. This arrangement keeps costs low while ensuring you always use up-to-date machinery without worrying about disposal at the end of the term.
Agricultural loans can help fund larger projects or investments such as new buildings, land improvements, or multi-asset purchases. Repayments can often be tailored to match seasonal farming income.
If you already own valuable equipment, we can unlock the capital tied up in those assets through refinancing or sale & leaseback. This enables you to raise funds for other priorities while continuing to use the machinery.
Challenge: A dairy farm needed to replace two ageing tractors but wanted to preserve capital for feed and animal care.
Solution: We arranged a hire purchase facility allowing the farm to spread payments over five years, with seasonal repayment adjustments after harvest.
Outcome: The farm acquired modern tractors, improved fuel efficiency, reduced downtime, and retained cash flow for operational needs.
Challenge: A medium-sized farm wanted to adopt robotic milking technology to increase efficiency and improve animal welfare but faced significant upfront costs.
Solution: We structured a finance lease including installation, training, and extended warranties.
Outcome: The farm introduced robotic systems without large upfront payments, reduced labour costs, and improved milk yield consistency.
Challenge: An arable farm wanted to install solar panels to reduce rising energy costs and support sustainability goals.
Solution: We arranged an operating lease tailored to expected energy savings, making the project cash flow neutral from the outset.
Outcome: The farm reduced energy bills, achieved sustainability targets, and strengthened its long-term financial resilience.
Yes. Gable Asset Finance can fund both new and used agricultural equipment, including tractors with no maximum age.
Yes. Many of our agricultural finance packages can be structured to align with seasonal income patterns such as harvests.
Absolutely. Refinancing or sale & leaseback allows you to release cash tied up in machinery while retaining its use.
We work with a broad panel of lenders, and in many cases, agreements can be arranged quickly to meet urgent farm requirements.
Yes. We support arable farms, dairy operations, livestock businesses, horticulture, forestry, and mixed farming enterprises across the UK.
Contact Gable Asset Finance today to learn how our tailored farm and agricultural finance solutions can support your business growth and stability.
Gable Asset Finance — supporting UK farmers with tailored, flexible finance for tractors, machinery, renewable energy, and more.