Plough finance
Funding for mounted and semi-mounted reversible ploughs, still the establishment tool of choice on heavy land and ahead of root crops.
Whole-of-market — 60+ lenders searched, including
Can you finance a plough?
Yes, though a plough on its own is often a small enough purchase that it sits below where some funders begin. The usual route is to fund it with the tractor that will pull it, or alongside other cultivation equipment on a single invoice. Used ploughs are funded routinely and they hold value unusually well, because the frame outlasts several sets of wearing metal. The practical caution is matching: a plough specified for more furrows than the tractor can pull is a known reason for a funder to query an application, particularly where the tractor is also being financed.
Used kit: Yes, readily, as frames outlast several sets of wearing parts
Get a quoteor call 0333 772 4864
What would a plough 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
Ploughs are among the simplest assets an agricultural funder handles. They have no engine, no electronics and a frame that lasts decades, so depreciation is slow and the secondhand market is national and consistently active. Underwriters check the make, the number of furrows, the condition of the headstock and legs, and whether the wearing metal is near the end of its life, since a full set of bodies is a meaningful cost on top of the purchase. The constraint is deal size rather than risk: many funders will not write an agreement for a single mounted plough, which is why they are usually bundled. Level repayments are standard, with harvest weighting available where the plough goes on the same agreement as a larger machine.
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 Multi-Master 123 | Three and four furrow reversible plough |
| Dowdeswell DP Series | UK-built reversible plough for mixed soils |
| Kverneland 150 B Variomat | Reversible plough with variable furrow width |
| Kverneland 2500 i-Plough | Electronically controlled reversible plough |
| Lemken Juwel 8 | Mounted reversible plough with hydraulic reset |
| Lemken Diamant 16 | Semi-mounted plough for larger tractors |
| Kuhn Vari-Master L | Semi-mounted plough for heavy land |
| Gregoire Besson reversible ploughs | Mounted and semi-mounted heavy ploughs |
| Kverneland Packomat | Integrated furrow press for seedbeds |
| Kverneland disc coulters and skimmers | Plough body wearing parts and fittings |
Get a quoteor call 0333 772 4864
Who buys one
Heavy land arable farms where ploughing still beats direct drilling in a wet autumn, root crop growers turning ground ahead of bed forming, and livestock farms ploughing out and reseeding leys. The trigger is commonly a move back to ploughing after a grass weed problem, a larger tractor that has left the existing plough undersized, or a frame that has been straightened once too often.
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.
Plough finance questions
Can I finance a plough on its own?
Sometimes, but frequently the value is below where a funder will start. The straightforward fix is to buy it with the tractor or with other cultivation equipment and have the dealer invoice everything together. That produces one agreement at a value funders are happy to write.
Do lenders worry about worn shares and mouldboards?
They factor it in. Wearing metal is a consumable and a plough that needs a complete set of bodies is worth less than one recently refitted. It rarely changes the decision, but it can change the valuation, so it is worth asking the seller when the metal was last replaced.
Will a funder check that my tractor can pull it?
On a combined tractor and plough application, quite possibly. Specifying more furrows than the tractor can handle is a common mistake and an agricultural underwriter will spot it. It is also worth getting right for your own sake, since an over-specified plough simply will not work properly.
Do ploughs hold their value?
Better than most farm implements. With no engine or electronics to fail and a frame built to last decades, a well-kept plough from a mainstream manufacturer sells readily anywhere in the country. That reliability of resale is exactly why funders are relaxed about the asset itself.
Can a furrow press be included?
Yes, where it is bought at the same time and invoiced with the plough. Pressing behind the plough is standard practice on many farms and funding the pair together avoids splitting a single operation across two agreements. It also helps lift the deal above any minimum.
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.