Mower conditioner finance
Funding for disc mower conditioners and front and rear combinations, the machines that decide how quickly grass is down and fit to lift.
Whole-of-market — 60+ lenders searched, including
Can you finance a mower conditioner?
Yes, usually as part of a grassland package rather than as a single purchase. A mounted mower conditioner sits at a value that some funders will not write on its own, so the workable approach is to buy it with the rake, tedder or whatever else is being replaced in the same season and have it invoiced together. Butterfly and trailed machines carry enough value to stand alone. Used mowers are funded routinely, with the cutter bed being the component that decides the valuation, because a bed rebuild is a serious cost on an otherwise sound machine.
Used kit: Yes, with cutter bed condition and repair history the deciding factor
Get a quoteor call 0333 772 4864
What would a mower conditioner 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
Grassland equipment is a volume, lower-ticket class and funders handle it accordingly with quick decisions and light underwriting, but a preference for seeing it inside a larger agreement. The secondhand market is steady rather than spectacular and concentrated in the west and north where grass matters, so a machine sells regionally rather than nationally. Cutter bed condition is the one mechanical question that really moves the valuation, followed by conditioner tines and the driveline. Mainstream marques with dealer parts support hold value; obscure imports do not. Because a mower alone frequently falls below the point where a funder will engage, combining it with other grassland kit or replacing it as part of a tractor deal is the practical answer rather than a compromise.
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 |
|---|---|
| Kuhn FC 3125 D | Mounted mower conditioner for smaller fields |
| Claas Disco 3200 | Rear mounted disc mower conditioner |
| Pottinger Novacat 352 | Mounted disc mower with conditioner |
| Kverneland 3336 MT | Rear mower conditioner with steel tines |
| Fendt Slicer 3060 | Mounted disc mower for grass silage |
| Krone EasyCut F 320 | Front mower conditioner for combinations |
| McHale Pro Glide F3100 | Front mower with ground-following bed |
| McHale Pro Glide B9000 | Triple mower combination for contractors |
| Krone EasyCut B 1000 | Butterfly mower set for wide output |
| Kuhn FC 13460 RA | Triple mower conditioner with grouping belts |
Get a quoteor call 0333 772 4864
Who buys one
Dairy and beef farms taking several cuts of silage a year, sheep farms making hay and haylage, and contractors mowing ahead of a forage team. The purchase is usually prompted by a season where cutting capacity was the bottleneck in a short weather window, a move to more frequent multi-cut silage, or a bed that has been repaired once too often and leaks oil on every headland.
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.
Mower conditioner finance questions
Why is the cutter bed so important?
Because it is the expensive part. A bed that has been run with damaged discs, starved of oil or repaired repeatedly can need a rebuild that costs a significant share of what the machine is worth. Funders know it and value used mowers accordingly, so ask for the oil change and repair history.
Can I fund a front and rear combination as one item?
Yes, if they come on a single invoice from one supplier. A matched butterfly set or front and rear outfit is one machine in practice. Buying the front from one dealer and the rear from another turns a clean deal into two small awkward agreements.
Is it worth financing grass kit rather than buying outright?
That is a working capital question. Funding the mower keeps cash available for fertiliser, feed and wages, which for most livestock farms is the tighter constraint through the spring. If the money is sitting idle with no better use, buying outright avoids the cost of borrowing.
Can the rake and tedder go on the same agreement?
Yes, and it is the sensible way to buy. Grassland equipment is often replaced as a set, and one invoice covering mower, rake and tedder produces a single agreement at a value funders will compete for rather than three purchases nobody wants to write.
Does a contractor get a different structure?
Sometimes. Contractors mowing for others have income concentrated between May and September and can ask for repayments weighted to those months. Farms cutting their own grass usually take a level profile, since the machine supports the whole forage year rather than an invoice run.
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.