Funding for livestock accommodation across sheep, beef and pig systems, including demountable fabric buildings that behave like equipment rather than property.
Whole-of-market — 60+ lenders searched, including
Yes for some of it, and the type of building decides how much. A permanent steel frame on a concrete base becomes part of the holding and cannot be funded on hire purchase. A demountable structure, such as a fabric-covered hoop building designed to be taken down and re-erected, keeps the character of equipment and several funders will lend against one on exactly that basis. Everything loose inside, from penning and gates to feeders, troughs and ventilation equipment, funds in the ordinary way. The route through is usually to separate the quotes rather than to argue about the total.
Used kit: Yes for penning, gates and demountable structures; permanent frames are rarely funded second-hand
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Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. A quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 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. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
The honest picture is that permanent buildings are not asset finance territory. Once erected they are fixtures, a funder cannot lift them out, and the lending therefore rests on the farm behind them and on whether the land is owned. A tenant on a short farm business tenancy is in a genuinely difficult position here, because they can offer no security over land and may need landlord consent even to build. Demountable and fabric buildings change that materially: they are designed to come apart, there is a secondhand trade in them, and funders treat them closer to machinery. Internal fittings are simple chattels and fund easily. Livestock income is reasonably even across the year, so level repayments are the norm.
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 |
|---|---|
| IAE sheep penning | Hurdles, races and lambing pens |
| Ritchie cattle penning | Gates and dividers for stock housing |
| Bateman feed barriers | Feed fences for cattle and sheep |
| JFC calf hutches | Outdoor hutches and group pens |
| EasyFix rubber slat mats | Slat covers for cattle comfort |
| Creagh Concrete slats | Precast slats for livestock flooring |
| Galebreaker ventilation curtains | Controlled side ventilation for sheds |
| McGregor Polytunnels livestock buildings | Fabric covered hoop housing |
| Britespan fabric buildings | Clear span fabric livestock shelters |
| Shufflebottom steel buildings | Steel framed housing for cattle and sheep |
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Sheep farms housing ewes for lambing rather than working outside in February, beef units getting cattle off wet ground, and pig producers replacing accommodation that no longer meets welfare or ventilation expectations. The purchase is normally prompted by a run of wet winters, a welfare or assurance inspection, or stock numbers outgrowing the covered space available.
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We publish the deals we arrange, with no client named and no rate quoted. See what we have funded in agriculture.
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.
Yes, and it is one of the few genuine differences on this list. Because a hoop and fabric structure is engineered to be dismantled and moved, funders can treat it as equipment with a resale route. A permanent steel frame on a base cannot be treated that way, whatever it cost.
Then the building side is difficult and you should establish the position before spending money. Most tenancies restrict permanent construction, and a structure you erect may become the landlord property. Demountable housing and loose internal equipment are far more practical routes for a tenant to fund.
Yes, and it is usually the right approach. Hurdles, gates, divisions, feed barriers and troughs are loose equipment with a busy secondhand market, so they fund cleanly. Ask your supplier to quote them apart from any steelwork or concrete so each part can go the right way.
Not directly, but they explain the purchase, and an underwriter likes to understand why the money is being spent. Housing built to meet a welfare or assurance requirement is an easier story than speculative expansion, particularly where an inspection report or a scheme standard can be produced.
Often, though read the small print. Some schemes fund building work that asset finance cannot touch, which makes them a good complement rather than a competitor. Others require outright ownership of equipment at claim, which conflicts with hire purchase. Check both points before ordering.
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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.
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 07581 364281 · 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.