CLAAS is a premium manufacturer of agricultural equipment. Investing in CLAAS machines delivers productivity, reliability and strong residual values — but it also involves significant capital. Asset finance lets you acquire the machines you need today while spreading the cost over an agreed term. That preserves cash, keeps bank lines open for inputs and labour, and enables seasonal repayment profiles that align to farm income cycles.
Finance options we arrange
We work with specialist agricultural lenders to provide a full range of funding structures. The most common are:
Hire Purchase (HP)
Hire purchase is widely used where the operator wants eventual ownership. You typically pay an initial deposit followed by fixed monthly payments. Once the final payment is made (or an agreed completion fee), ownership transfers to you. HP provides certainty of ownership and predictable budgeting.
Finance Lease
A finance lease is effectively an off-balance-sheet rental in some accounting treatments (though modern accounting may require capitalisation). You have use of the machine while making regular payments. At term-end you usually have options to continue leasing, return the asset or purchase it for a pre-agreed residual value.
Operating Lease / Rental
Operating leases suit contractors or businesses that prefer short-term access and regular upgrades. Rental avoids ownership responsibilities — maintenance and service can be included depending on the provider.
Seasonal & Flexible Repayment Plans
Agricultural businesses are seasonal. We design repayment profiles that allow lower payments in quieter months and higher repayments in harvest months, or we arrange seasonal draws on a revolving facility.
Refinance & Sale & Leaseback
If you already own CLAAS machines, refinancing or sale & leaseback can unlock equity — turning owned assets into working capital for inputs, land improvements or new investments.
Manufacturer Finance Partnerships
Where available, we can connect you to dealer or manufacturer finance promotions. These can be competitive for new purchases but always compare the full cost and flexibility against independent asset finance options.
CLAAS product lines and how finance applies
CLAAS offers a broad range of machines. Below we explain the principal product families, typical use cases, value drivers and finance considerations.
Tractors (AXION, ARION, ATOS and others)
Use case: Primary field work, cultivation, towing trailers, loader work and a wide range of front-to-rear tasks.
Why farms choose CLAAS tractors: excellent build quality, strong service networks, telematics and precision-farming options that improve productivity and input efficiency.
Finance considerations:
Traction and horsepower requirements should match long-term farm plans — financing larger tractors often means longer terms to match productive life.
Precision-farming kits and telematics can be funded alongside the tractor so you acquire a complete working package.
Because tractors retain good resale values, hire purchase is a common route; seasonal repayments can be structured to match cashflow.
Combine harvesters (LEXION, TRION & others)
Use case: High-capacity cereal harvesting and crop handling.
Why CLAAS combines are chosen: high throughput, advanced threshing systems and operator comfort. Combines are productivity-critical assets during narrow harvest windows.
Finance considerations:
Combines command high capital sums — longer-term HP or finance leases are typical.
Flexible seasonal payment plans are especially useful: larger repayments during post-harvest months can capitalise on cash inflows.
Consider including header and transport trailer costs in financing for a single consolidated agreement.
Forage harvesters (JAGUAR range)
Use case: Silage and forage production for livestock systems and contractors.
Why CLAAS JAGUAR: robust chopping technology, efficient throughput and strong aftermarket support for blades and parts.
Finance considerations:
For contractors, operating leases or rental can provide flexibility to match contract length; contractors often prefer options that allow fleet refresh without heavy capital lock-up.
For farmers, HP with seasonal repayment profiles helps align cashflow with feed sales or crop cycles.
Balers (ROLLANT, VARIANT, QUADRANT)
Use case: Baling straw, hay and silage into round or square bales for storage and sale.
Why finance balers: Balers are essential for forage systems; good resales and lower unit costs compared to combines make them attractive for medium-term HP.
Finance considerations:
Small to medium value balers may be financed over shorter terms (2–5 years) to match equipment life and expected resale value.
Include service contracts within the finance to manage maintenance costs during peak seasons.
Use case: Grass harvesting, conditioning and transport.
Finance considerations:
These items are often lower value than tractors or combines and are commonly financed on hire purchase with short-to-medium terms.
Bundling several items (mower, tedder, rake and wagon) into a single finance facility simplifies administration and can improve pricing.
Telehandlers & Material Handlers (SCORPION range)
Use case: Handling bales, materials, loading tasks on mixed farms and contractors.
Finance considerations: Telehandlers have strong residual values and can be financed via HP, finance lease or operating lease depending on intended replacement cycles.
Precision Farming & Telematics (CLAAS TELEMATICS and aftermarkets)
Why it matters: Telematics and precision tools increase efficiency (fuel, inputs, labour) and can be funded as part of the overall equipment package. Funding connectivity, software licences and sensors spreads their cost and lowers the barrier to adoption.
Finance considerations: Software licences may be treated differently from hardware for accounting — we can structure packages that reflect this and, where possible, include maintenance and support within the finance.
New vs Used CLAAS machines — which is right for your business?
Both new and used CLAAS equipment have a place in modern agriculture. The decision depends on cashflow, depreciation, warranty, technology needs and operational plans.
Benefits of buying new
Full manufacturer warranty and dealer support.
Latest technology and highest fuel efficiency.
Better predictability of operating costs in early years.
Sometimes manufacturer promotions or low-rate dealer finance.
Benefits of buying used
Lower upfront price and smaller funding requirement.
Strong value in well-maintained CLAAS machines — many used examples perform reliably for years.
Used finance options exist and can be structured similarly to new equipment financing.
Key checks for used equipment
Detailed service history and hours logged for engines/implements.
Independent inspection or dealer pre-purchase check.
Wear items (cutters, belts, bearings) condition and replacement history.
Verification of telematics and software versions where applicable.
Finance for New and Used CLAAS Agricultural Machines
At Gable Asset Finance, we understand that UK farmers, contractors, and agribusinesses rely on high-quality, durable equipment to keep their operations productive and profitable. CLAAS is one of the world’s most respected agricultural machinery brands, offering everything from powerful tractors and advanced combine harvesters to forage harvesters and balers.
However, purchasing new or even well-maintained used CLAAS machinery often requires a substantial financial commitment. That’s why we offer specialist finance solutions designed to make ownership and use of CLAAS equipment more affordable. Whether you’re looking to invest in the latest technology or acquire a used machine to expand your fleet, our asset finance options provide flexible, cost-effective ways to spread the cost.
Why Finance CLAAS Agricultural Machines?
Agricultural businesses face unique financial challenges, from fluctuating commodity prices and seasonal cash flow cycles to the rising costs of fuel, labour, and equipment. Traditional bank loans may not always be suitable or accessible, which is where agricultural asset finance comes in.
Financing your CLAAS machinery with Gable Asset Finance helps you:
Preserve working capital by avoiding large upfront payments.
Spread costs across manageable fixed monthly or seasonal repayments.
Access the latest CLAAS technology without delaying investment due to cost.
Enjoy tax advantages such as potential relief on rental payments or capital allowances.
Maintain flexibility to upgrade, refinance, or purchase equipment outright at the end of your agreement.
Finance Options for CLAAS Agricultural Machinery
Hire Purchase
A popular choice for farmers who ultimately want to own their CLAAS machinery. With hire purchase, you pay a deposit followed by fixed monthly instalments. At the end of the term, ownership of the equipment transfers to you, giving you a valuable long-term asset.
Finance Lease
With a finance lease, you pay monthly rentals to use the CLAAS machine over an agreed term. At the end, you can usually choose to continue leasing, return the equipment, or sell it on behalf of the finance company, often retaining a share of the proceeds.
Operating Lease
An operating lease works like a rental arrangement, allowing you to use CLAAS machinery without ownership obligations. This option is ideal if you want access to equipment for a shorter period or plan to upgrade regularly as new models are released.
Seasonal Payment Plans
Agriculture is a seasonal industry. To align with your cash flow, we offer seasonal repayment structures that allow you to make larger payments during harvest and smaller payments during quieter periods.
Refinance Options
Already own CLAAS equipment outright? We can help you release the value tied up in your assets through refinance arrangements, providing additional working capital for other areas of your business.
New vs. Used CLAAS Machinery Finance
Financing New CLAAS Equipment
New CLAAS machines, such as the latest generation of LEXION combines or AXION tractors, come with advanced features, enhanced fuel efficiency, and improved productivity. Financing these models ensures you can stay ahead of the competition while spreading the cost.
Financing Used CLAAS Equipment
Well-maintained used CLAAS machinery can offer exceptional value. Many farmers choose to finance pre-owned models like the CLAAS JAGUAR forage harvester or ROLLANT baler, taking advantage of lower upfront prices while still benefiting from reliable performance.
Key Benefits of Choosing CLAAS Finance Through Gable Asset Finance
Tailored Solutions: Finance agreements structured around your cash flow and business cycles.
Supplier Independence: We can arrange finance whether you’re purchasing from an official CLAAS dealer or a private seller.
Industry Expertise: Our team understands agriculture and the seasonal challenges you face.
Flexible Terms: Options to upgrade, purchase, or extend agreements at the end of the term.
Competitive Rates: Access to multiple lenders means we can secure terms that work for you.
How the Process Works
Step 1 – Identify Your Equipment: Choose the new or used CLAAS machinery that fits your business needs.
Step 2 – Get a Quote: Obtain a purchase quote from your dealer or seller.
Step 3 – Contact Gable Asset Finance: Our advisors will discuss your finance requirements and propose tailored options.
Step 4 – Application & Approval: We handle the application process with lenders on your behalf.
Step 5 – Agreement & Funding: Once approved, the finance is released, and you can begin using your CLAAS machinery.
Why CLAAS? The Advantage of Investing in Premium Agricultural Machinery
CLAAS has built a global reputation for quality, innovation, and reliability. Investing in CLAAS machinery means investing in equipment that is built to handle the demands of modern farming. From cutting-edge precision farming technology to robust engineering designed for longevity, CLAAS equipment delivers exceptional return on investment.
Innovation and Technology
CLAAS machinery integrates the latest agricultural technologies, such as precision GPS, telematics, and automated harvesting systems, helping UK farms boost efficiency and productivity.
Durability and Reliability
Known for robust build quality, CLAAS machines are designed to perform consistently under demanding conditions, reducing downtime and increasing operational efficiency.
Resale Value
CLAAS machinery retains strong resale value, making it a sound investment when financed through hire purchase or leasing arrangements.
Industries and Businesses That Benefit from CLAAS Finance
Our finance solutions are designed for:
Arable farms requiring high-performance combines and tractors.
Dairy and livestock farms using balers, forage harvesters, and mowers.
Agricultural contractors expanding fleets to meet client demand.
Mixed-use farms investing in versatile equipment across crop and livestock production.
Start-up farms entering the industry with used CLAAS machinery.
Frequently Asked Questions About CLAAS Machinery Finance
Can I finance both new and used CLAAS machinery?
Yes. At Gable Asset Finance, we arrange finance for both brand-new CLAAS models and pre-owned machinery, regardless of whether you are buying from a dealer or privately.
Do I need a large deposit?
Deposit requirements vary depending on the finance option and lender. In many cases, minimal deposits are required, making finance accessible even for new or expanding businesses.
Can finance agreements be structured around seasonal income?
Absolutely. We specialise in seasonal payment structures that align with farming cash flow, allowing you to pay more during harvest and less during quieter months.
What happens at the end of the agreement?
Depending on your finance arrangement, you may have the option to purchase the CLAAS equipment outright, upgrade to a new model, continue leasing, or return the machine.
Why Choose Gable Asset Finance?
With decades of experience in UK agricultural finance, Gable Asset Finance is a trusted partner for farmers and contractors nationwide. We pride ourselves on our:
Strong agricultural sector knowledge
Flexible, farm-focused finance structures
Commitment to supporting UK farmers in achieving long-term growth
Trusted relationships with leading lenders and CLAAS equipment suppliers
Conclusion
Financing new and used CLAAS agricultural machines with Gable Asset Finance allows UK farmers and agribusinesses to invest in world-class machinery without straining cash flow. Whether you need a powerful CLAAS tractor, an efficient LEXION combine, or a reliable baler, we provide finance solutions tailored to your seasonal income, business growth, and long-term goals.