Crop sprayer finance
Funding for self-propelled and trailed crop sprayers, the machine where a missed spray window costs more than the machine itself.
Whole-of-market — 60+ lenders searched, including
Can you finance a crop sprayer?
Yes. Crop sprayers fund well, whether self-propelled or trailed, and used self-propelled machines hold their value strongly enough that funders will go back a good many seasons. Hire purchase is the usual structure and repayments can be weighted towards harvest. What surprises buyers is how much the funder cares about compliance rather than condition: a boom sprayer must be tested under the National Sprayer Testing Scheme at the required intervals, and a machine with an expired certificate is harder to value and harder for a dealer to resell. Ask for the current test certificate and the service file before you sign.
Used kit: Yes, particularly self-propelled machines, which stay fundable for many seasons
Get a quoteor call 0333 772 4864
What would a crop sprayer cost per month?
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 may 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.
How lenders treat it
Sprayers are one of the better-behaved arable assets from a funder point of view. Self-propelled machines from established UK builders have a deep and loyal secondhand market, with demand from farms that could never buy new, so recovery values hold up. Underwriters look at hours, boom width and condition, whether the machine has induction and rinse systems that meet current expectations, and whether it has a valid NSTS certificate. Trailed sprayers sit at a lower value and are simpler to place. Because spraying is concentrated into spring, harvest-weighted or seasonally shaped repayments are commonly available from agricultural funders. Declines usually come from corrosion, an unsupported import, or a chemical-damaged boom with no repair record.
Makes and models we fund
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Amazone UX 4201 | Trailed sprayer with large tank |
| Kuhn Metris 2 | Trailed sprayer for mixed arable farms |
| Chafer Sentry | Trailed sprayer built in the UK |
| Chafer Interceptor | Self-propelled sprayer with wide boom |
| Bateman RB55 | British self-propelled sprayer |
| Househam Spirit | Self-propelled sprayer for arable farms |
| Househam Predator | High-clearance self-propelled sprayer |
| Agrifac Condor Endurance II | Self-propelled sprayer with adjustable track |
| Horsch Leeb 6.300 PT | Self-propelled sprayer with boom guidance |
| Knight trailed sprayers | UK-built trailed crop sprayers |
Get a quoteor call 0333 772 4864
Who buys one
Arable farms that have outgrown a mounted sprayer and want the timeliness of their own self-propelled machine, growers moving to wider booms and tramline systems, and agronomy or spraying contractors covering ground for several farms. The trigger is usually a season where a contractor could not get on in the right window, or an older machine whose section control and GPS cannot deliver the accuracy that the assurance scheme and the agronomist now expect.
Get a quoteor call 0333 772 4864
We publish the deals we arrange, with no client named and no rate quoted. See what we have funded in agriculture.
How it is treated for tax
Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
Crop sprayer finance questions
Does a sprayer need a current NSTS test to be financed?
It is not usually a formal condition, but you want one. A valid certificate tells a funder the machine is legally usable and resellable, and it tells you the boom, nozzles and pump are sound. Buying a machine with a lapsed test means budgeting for whatever the test throws up before you can legally spray with it.
Can spraying contractors get finance on the strength of their client list?
Yes. A contractor with a spread of farms under recurring agreements is a good risk, because spraying work repeats year after year and is rarely dropped. Funders will want to see invoicing history and whether you hold the relevant certification, and a diversified customer base counts for more than one very large client.
Is it better to fund a self-propelled or a trailed sprayer?
That is an operational decision. Self-propelled gives timeliness, clearance and better resale but costs far more; trailed ties up a tractor but is cheaper to buy and simpler to fund. From a lending point of view both are fine, and a trailed machine can often be funded alongside the tractor that pulls it on one agreement.
Can the repayments be timed around harvest?
Frequently yes with an agricultural funder. Because arable income arrives after harvest, a profile that takes lighter payments through spring and heavier ones in the autumn matches the reality of the business. It is one of the areas where a specialist agricultural lender is clearly better than a generic finance offer.
What condition issues make a used sprayer hard to fund?
Corrosion is the main one. Chemical damage to the frame, tank mountings or boom, a boom that has been welded after a strike with no record, and a machine that has sat unrinsed over winter all reduce what a funder thinks they could recover. A clean, documented machine from a known farm is much simpler.
Get a quoteor call 0333 772 4864
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
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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.
Specialist agricultural funding
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