Cultivator finance
Funding for tine, disc and combination cultivators and subsoilers, the kit that does the work between the combine leaving and the drill arriving.
Whole-of-market — 60+ lenders searched, including
Can you finance a cultivator?
Yes. Cultivators are a well-behaved hard asset: no engine, no electronics, a heavy frame and a national secondhand market, which makes them one of the simpler implements to fund on hire purchase. Used machines are traded constantly. The one thing that shapes a valuation is wearing metal, because a set of points, legs and discs represents a real cost on top of the purchase and a machine that has worked abrasive ground may need them immediately. Ask the seller when the metal was last replaced, and get the answer before you agree a price rather than afterwards.
Used kit: Yes, readily, with the condition of the wearing metal driving the valuation
Get a quoteor call 0333 772 4864
What would a cultivator 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
Cultivators are the easy end of the arable machinery market for a lender. Depreciation is slow, the frames last, and buyers exist in every arable county, so recovery values are dependable and underwriting is light. Funders check the make, the working width against the horsepower available, and the state of the legs, points and discs. Mainstream European manufacturers sell on quickly; fabricated one-offs do not. The real constraint is size of deal rather than risk, as a single mounted cultivator can fall below where some funders start, in which case it belongs on the same invoice as the tractor or drill being bought with it. Harvest-weighted repayments are available where the machine forms part of a larger arable package.
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 |
|---|---|
| Sumo LDS | Low disturbance subsoiler for compaction |
| Sumo Trio 3m | Combination subsoiler, disc and press |
| Kverneland Qualidisc | Compact disc harrow for stubble work |
| Kuhn Performer 4000 | Combination tine and disc cultivator |
| Lemken Rubin 10 | Compact disc harrow for shallow tillage |
| Lemken Karat 10 | Heavy tine cultivator for deeper loosening |
| Vaderstad Carrier 425 | Disc cultivator for stubble and seedbeds |
| Vaderstad TopDown 400 | Tine and disc cultivator with packer |
| Horsch Joker 4 CT | Compact disc harrow for min-till |
| Horsch Terrano 4 FX | Deep tine cultivator for primary tillage |
Get a quoteor call 0333 772 4864
Who buys one
Arable farms moving stubbles quickly after harvest to get a weed chit, growers loosening compaction after a wet season or a root crop, and farms that have changed establishment system and need something between the plough and a direct drill. The purchase is commonly triggered by a bigger tractor leaving the existing machine undersized, or a grass weed problem that has changed how the whole autumn is approached.
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.
Cultivator finance questions
How much difference does worn metal make?
Enough to be worth negotiating over. Points, legs, discs and shins are consumables, and a full set on a wide machine is a meaningful cost. A funder will reflect it in the valuation of a used cultivator, and you will feel it in the first season. Ask for invoices showing when the metal was last changed.
Can I fund a cultivator on its own?
Often yes for a trailed machine, less often for a small mounted one. Where the value sits below a particular funder minimum the answer is either a funder who works at that level or buying it on the same invoice as another machine. Both routes are used every week.
Will the lender check it suits my tractor?
On a combined application, quite possibly. A wide, deep-working cultivator needs serious horsepower and an agricultural underwriter will notice a mismatch. It is worth getting right regardless, because an under-powered outfit simply will not work the machine at the depth it was bought for.
Are cultivators a good asset from a lending point of view?
Among the best in arable. With no engine or electronics to go wrong and a frame built to take punishment, a mainstream machine sells anywhere in the country. That reliability is why underwriting is usually light and decisions come back quickly.
Can I fund a subsoiler and a cultivator together?
Yes, where they come from the same supplier on one invoice. Many farms buy loosening and stubble equipment at the same time as part of a change in establishment approach, and funding the set as one item is simpler than running two small agreements alongside each other.
Get a quoteor call 0333 772 4864
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See everything we fund in rural and agricultural finance →
Not an offer of finance. All finance is subject to status, affordability and lender approval.
Get your quote
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
Machinery, livestock and land — each with its own page, because each is assessed differently.