01
Tax efficiency
Lease and rental payments are typically tax deductible, and structures can be built around your year end. Your accountant confirms what fits.
Agricultural Leasing
Leasing built for
the farming year.
Agricultural finance for machinery, buildings, grain storage and livestock equipment, structured around harvest and farm cash flow.
20+
Years in agriculture
1–7 yr
Term length
<24h
Decisions in
Authorised and regulated by the Financial Conduct Authority · FRN 671552
01 · Why lease
Why farming businesses
lease with us.
Four things every farm asks before committing to a serious spend. Here is how leasing changes the answer.
02
Protect cash flow
Keep working capital in the business and other credit lines untouched while the equipment starts earning.
03
Succession friendly
Lease structures can support handing machinery and buildings to the next generation at the end of the term.
04
A broker in your corner
One relationship, a whole panel of leading UK lenders, and someone who knows agriculture answering the phone.
"From a single mower to the whole yard."
02 · What we finance
New and used. Dealer, auction or private sale.
- Tractors, combines and harvesters
- Drills, sprayers and cultivation kit
- Grain stores, dryers and handling
- Livestock buildings and dairy equipment, including cattle
- Machine sheds and farm buildings
- Trailers, telehandlers and ATVs
03 · Terms
Terms that work like farms do.
01
Fixed costs
Fixed payments over 1 to 7 years, so a major purchase becomes a known monthly figure.
02
Little or nothing down
Conserve cash with low or no deposit and up to 100% financing.
03
Seasonal profiles
Monthly, quarterly, annual or harvest-timed payments, stepped up or down to match income.
05 · Compared
Buying outright vs leasing.
A simplified illustration of how the same machine can be expensed two ways.
Option one
ABuy outright
- Capital leaves on day one
- Relief through capital allowances, over time
- Uses up other borrowing capacity
- No monthly commitment
Option two
BLease
- Payments spread across working life of the asset
- Rentals typically deductible as they fall
- Cash and credit lines stay free
- Fixed, predictable monthly figure
Illustrative only, not tax, legal or accounting advice. Speak to your professional advisers about the right treatment for your business.
06 · Machinery
Kit we're financing right now.
07 · The rest of it
More reasons leasing earns its place.
01
Planned replacement
Structured cycles keep reliable, modern kit in the yard and avoid running machinery into breakdown season.
02
Capital preservation
100% financing including soft costs where available, keeping cash on hand for the season ahead.
03
Rate certainty
Fixed rate agreements take future rate rises off the worry list.
04
Sale and leaseback
Already bought it? Release the capital tied up in owned machinery and keep using it.
05
Build then fix
New buildings can be funded through construction and moved onto a fixed-term lease at completion.
08 · The process
Enquiry to delivery.
- 1
Tell us the deal
Kit, budget, timing and how you'd like to pay.
- 2
Indicative quote
Illustrative monthly figure back the same day.
- 3
Lender match
We shop it across our panel, you never have to.
- 4
Approval and docs
Sign-ready paperwork with plain-English cover.
- 5
Payout and delivery
Funds released, machine on the yard.
Straightforward deals can complete within days, not weeks.
Farm finance explained
Finance for farms starts with what you are funding.
Farm finance and agricultural finance are broad terms. A tractor, combine or parlour can often be considered through asset finance, hire purchase or leasing. Farmland and buildings usually need longer-term property-backed funding, while general working capital needs a separate cash-flow assessment.
If your question is how to finance farm equipment, start with our detailed farm machinery finance guide. If you are buying land or comparing property security with equipment finance, read our agricultural mortgage versus asset finance guide.
Machinery and equipment
Hire purchase, leasing or asset refinance may fit identifiable working assets.
Land and farm purchase
Agricultural mortgages and other property-backed routes usually require a separate assessment.
Buildings and installed projects
The structure depends on ownership, useful life, installation and the available security.
Seasonal working capital
Repayment timing should be assessed against real trading evidence and the purpose of the funds.
UK Market · 09
Agricultural Insights
Straight-talking analysis for British farms — schemes, cash flow and the machinery decisions behind them.
Farm Finance Guide
Farm machinery finance: the complete UK guide
Compare hire purchase, leasing, used equipment, seasonal payments, approval, VAT and tax in one practical guide.
Read article
SFI & Schemes
The kit behind the SFI actions everyone is applying for
Direct drills, variable-rate spreaders, hedge cutters — the machinery bill hiding inside a Defra agreement, and how to match it to the payment schedule.
Read article
Cash Flow
Harvest pays once a year. The bills do not.
How UK arable and mixed farms are smoothing lumpy income against monthly outgoings without leaning on the overdraft.
Read articleReady when you are
Let's fund your next machine.
Tell us what you are buying and how you would like to pay for it. We will come back with realistic figures and a clear recommendation.