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CW Asset Finance | Vehicle & Equipment Finance Yorkshire

← All finance questions

Can I finance agricultural machinery?

Yes. Agricultural machinery is a core part of what we do at CW Asset Finance. We arrange funding for tractors, harvesters and combines, balers, sprayers, telehandlers, cultivation and drilling equipment, livestock, grain handling and storage kit, and farm buildings in modular form. New and used machines can both be considered.

Farm lenders are generally used to seasonal income and can structure repayments around it — for example lower payments through the winter and larger ones after harvest or when stock is sold. That flexibility is not automatic and has to be agreed at the outset, so raise it early rather than after the agreement is drawn up.

Farming cases often involve mixed ownership, tenancies and long trading histories across generations, and lenders will want to understand the whole picture. Be ready with accounts, details of acreage and enterprises, and what the machine will replace or add.

Agricultural income can be volatile, and the machinery secures the agreement, so a poor season can put a financed asset at risk. Never commit to a payment schedule your worst likely year could not cover. Availability and terms depend on the lender’s assessment of your circumstances.

Thinking about it for your own business?

Tell us what you are looking to fund and we will search our panel of 60+ lenders. No credit search at this stage, and indicative decisions in as little as 24 hours.

CW Asset Finance is a credit broker, not a lender. Finance is subject to status and lender approval.