Tractor finance, farm machinery finance and diversification funding — structured around harvest, subsidy and seasonal cash flow.
Whole-of-market — 60+ lenders searched, including
Agricultural finance has to work around the way farms actually earn. We arrange tractor finance, farm machinery finance and wider agricultural machinery finance for farms and estates across Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire, with repayment profiles built around harvest and subsidy timing rather than a flat monthly figure that ignores the season.
Every asset has its own page: how lenders treat it, what buyers specify, the questions people ask, and what we have actually funded.
| Asset | What it covers | Page |
|---|---|---|
| Compact tractor | Compact and utility tractors for equestrian yards, smallholdings, estates and groundcare — usually with a loader… | Read the guide |
| Tractor | Funding for new and used agricultural tractors, from a yard loader tractor to a high-horsepower cultivation… | Read the guide |
| Telehandler | Asset finance for agricultural telescopic handlers, the machine that ends up doing feeding, muck, bales and… | Read the guide |
| Combine harvester | Funding for new and used combine harvesters and headers, structured so the machine is paid for… | Read the guide |
| Forage harvester | Funding for self-propelled forage harvesters and their grass and maize headers, aimed at silage contractors and… | Read the guide |
| Round baler | Funding for variable and fixed chamber round balers, integrated baler-wrappers and large square balers, for farms… | Read the guide |
| Crop sprayer | Funding for self-propelled and trailed crop sprayers, the machine where a missed spray window costs more… | Read the guide |
| Slurry tanker | Funding for vacuum and pump slurry tankers and the low-emission applicators fitted to them, for dairy,… | Read the guide |
| Muck spreader | Funding for rear-discharge and side-discharge muck spreaders, including weigh-cell and spreading-width control machines used for accurate… | Read the guide |
| Seed drill | Funding for combination, tine and disc seed drills and direct drills, bought in the weeks before… | Read the guide |
| Farm trailer | Funding for grain, silage, root and bale trailers, including the high-capacity tipping trailers that keep a… | Read the guide |
| Grain dryer | Funding for continuous flow, batch and mobile grain dryers and the conveyors, elevators and controls installed… | Read the guide |
| Grain store | Funding for grain storage projects, from bolted steel silos and ventilated floor systems through to the… | Read the guide |
| Livestock handling equipment | Funding for cattle crushes, races, penning and sheep handling systems, the equipment that makes TB testing,… | Read the guide |
| Diet feeder | Funding for trailed and self-propelled diet feeders and mixer wagons, the machine that decides whether a… | Read the guide |
| Quad bike and ATV | Funding for utility quad bikes and side-by-side UTVs used for stock checking, fencing and carrying feed… | Read the guide |
| Hedge cutter | Funding for tractor-mounted hedge cutters and reach mowers, including saw heads and flail attachments used on… | Read the guide |
| Beet harvester | Funding for self-propelled six-row beet harvesters and trailed lifters, the machines that carry a whole campaign… | Read the guide |
| Farm biomass boiler | Funding for woodchip, pellet and log biomass boilers heating poultry houses, grain drying floors, farmhouses and… | Read the guide |
| Cattle shed | Funding for new cattle accommodation, split between the building itself and the cubicles, penning, mats and… | Read the guide |
| Cultivator | Funding for tine, disc and combination cultivators and subsoilers, the kit that does the work between… | Read the guide |
| Dairy equipment | Funding for bulk milk tanks, cooling and heat recovery, washing plant and the ancillary equipment a… | Read the guide |
| Egg grading equipment | Funding for egg graders, candling and crack detection, packers and conveyor systems for on-farm packing centres… | Read the guide |
| Farm workshop | Funding for the equipment that fits out a farm workshop, from welding plant and a pillar… | Read the guide |
| Feed bin | Funding for galvanised bulk feed bins and the augers, weigh systems and delivery equipment that move… | Read the guide |
| Fencing equipment | Funding for tractor-mounted post drivers, rock spikes and fencing rigs used by farms doing their own… | Read the guide |
| Fertiliser spreader | Funding for mounted and trailed disc fertiliser spreaders, including weigh cell, headland control and variable rate… | Read the guide |
| Forestry crane | Funding for tractor-mounted and trailer-mounted forestry cranes and grabs used to load timber, firewood and brash… | Read the guide |
| Grain silo | Funding for bolted steel grain bins and the conditioning fans, sweep augers and monitoring that make… | Read the guide |
| Livestock housing | Funding for livestock accommodation across sheep, beef and pig systems, including demountable fabric buildings that behave… | Read the guide |
| Milking parlour | Funding for conventional milking parlours, from a herringbone replacement through to a rotary, including the plant,… | Read the guide |
| Mower conditioner | Funding for disc mower conditioners and front and rear combinations, the machines that decide how quickly… | Read the guide |
| Plough | Funding for mounted and semi-mounted reversible ploughs, still the establishment tool of choice on heavy land… | Read the guide |
| Potato harvester | Funding for two-row trailed and self-propelled potato harvesters, the single largest machine on most ware and… | Read the guide |
| Poultry housing | Funding for poultry accommodation, split between the building, which behaves as property, and the ventilation, feeding… | Read the guide |
| Robotic milker | Funding for automated milking units, from a single box on a family herd to a multi-robot… | Read the guide |
| Silage clamp | Funding for silage storage, covering precast walling panels, effluent handling and the equipment used to fill… | Read the guide |
| Slurry store | Funding for slurry storage, from bolted steel ring tanks and covers through to the mixers, pumps… | Read the guide |
| Solar farm mounting | Funding for solar mounting systems and the arrays on them, whether ground mounted racking in a… | Read the guide |
| Square baler | Funding for large square balers producing dense, stackable bales for straw merchants, bedding contracts and biomass… | Read the guide |
| Timber trailer | Funding for forestry timber trailers, normally supplied with a crane and grab, used to extract and… | Read the guide |
| Water trough system | Funding for farm water supply, covering troughs, pipework, pumps and solar systems, and an honest view… | Read the guide |
| Yard scraper | Funding for automatic alley scrapers and scraper robots inside the shed, and for the loader and… | Read the guide |
Agricultural machinery finance covers the equipment a farm cannot work without: tractors, combines, balers, sprayers, telehandlers and handling systems. Because the machine holds its value and acts as security, agricultural finance is often available on better terms than unsecured borrowing of the same size.
Tractor finance is the most common request we see. New or used, main dealer or private sale, the lender will look at the make, hours and age alongside the farm’s trading position. Longer terms are usually available than on lighter equipment because a well-maintained tractor stays valuable.
Farm machinery finance does not have to mean equal monthly payments. Several lenders on our panel offer annual or harvest-linked profiles, so the bulk of the repayment falls when the money actually arrives. If cash flow is the constraint rather than affordability, say so — it changes which lenders we approach.
Farm equipment finance also covers grain dryers, handling and storage, livestock housing and renewables. Diversification projects — holiday lets, farm shops, events — can often be funded on the strength of the wider business rather than the new venture alone.
Agricultural lenders look at the machine, the land and the trading pattern. Owned acreage strengthens an application considerably; tenanted holdings are funded routinely but the tenancy term matters. Subsidy income counts as income, and a diversified holding with several revenue streams is viewed more favourably than one dependent on a single crop.
A great deal of farm machinery changes hands at dispersal sales, and those do not wait for a finance decision. Get a figure agreed before the sale so you know your ceiling and can settle inside the terms. Send us the lot details in advance and we will tell you what is fundable.
Agricultural contractors have a different profile from owner-occupiers: higher machinery utilisation, contract income rather than crop income, and a replacement cycle driven by hours. Several lenders on our panel prefer contractor business precisely because the utilisation is documented.
Horsebox finance — or horse box finance, however you spell it — sits between vehicle and equestrian lending, and not every lender is comfortable with it. We fund horseboxes for private owners, competition yards and commercial transporters, new or used, on hire purchase or lease.
Estates, fencing contractors and farm woodland businesses run kit that sits outside mainstream agricultural lending — post knockers and post drivers, wood chippers, forestry winches and sawmills. We fund all of it, including diversification into milling your own timber. See tree surgery, forestry and sawmill finance for how those assets are assessed.
Send us the machine details and roughly when your income arrives across the year. We will come back with which lenders will fund it and whether a seasonal or harvest-linked profile is achievable. If it is a dispersal sale, tell us the date and we will work to it. No credit check to ask.
One quick conversation about the asset and how the repayments need to work.
As an independent broker we find the right structure and rate — not one lender’s products.
Indicative decisions in as little as 24 hours, then we manage it through to payout.
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and will receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
Plenty of well-run businesses get turned down by a high street computer for reasons that have nothing to do with how they trade — no filed accounts yet, or no limited company behind them. Neither is a credit problem. If one of these is you, there is a page written for it.
What a new-start application needs. Good credit, and no outstanding CCJs or IVAs. Beyond that, lenders want to see one of two things: that you are a homeowner, or that you can evidence income sufficient to service the monthly payments. A deposit in the 10–20% range is normal.
If that describes you, there is a realistic conversation to have. If it does not, we would rather tell you now than run a credit search that leaves a footprint for nothing.
Tell us the situation Or call 0333 772 4864
We are a credit broker, not a lender. Nothing here is a promise of acceptance: every application is assessed on its own merits and all finance is subject to status and lender approval.
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.
Machinery, livestock and land — each with its own page, because each is assessed differently.
By matching the repayment profile to when the money actually arrives. Farm income tends to land in spikes — post-harvest and subsidy payments — rather than evenly across the year, so a flat monthly Hire Purchase agreement can strain cash flow in the off-months. CW Asset Finance structures seasonal HP agreements with reduced payments through winter and larger payments timed to harvest income, so you get the machinery without tying up working capital reserved for fertiliser, diesel and wages.
Real agreements, written up in full — what the business wanted, what the lenders said, and what it cost. Amounts are rounded and no customer is identified.
Equestrian · Yard Machinery
Eleven days from first contact to the supplier being paid, with no deposit and a term matched to the working life of the machine.
430 machines named across 43 types of Agricultural & farm machinery. This is not a restricted list — it is what we are asked for most often. If the machine you are buying is not here it almost certainly still funds: your supplier quote is what the agreement is written against.
Real funded examples. Each application is assessed individually.