Round baler finance
Funding for variable and fixed chamber round balers, integrated baler-wrappers and large square balers, for farms baling their own and contractors baling for others.
Whole-of-market — 60+ lenders searched, including
Can you finance a round baler?
Yes. Balers are a straightforward asset to fund on hire purchase and the used market is active enough that funders are comfortable with machines that have already done several seasons. Baler-wrapper combinations are treated as one machine rather than two. The number that matters to an underwriter is bale count, which is the equivalent of hours on a tractor and is far more telling than the year of registration. Where people come unstuck is buying late: dealers sell out of good used balers in spring, and a machine bought in a hurry in June with no inspection is the one a funder will query.
Used kit: Yes, commonly, with bale count mattering far more than age
Get a quoteor call 0333 772 4864
What would a round baler 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 will 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
Balers sit at a lower value than the headline harvest machinery, which means some larger funders are simply not interested and the deal belongs with an agricultural lender that works at that level. Resale is reliable because every livestock area has buyers, and mainstream marques move quickly. Underwriters look at bale count, chamber condition, and whether the wrapper on a combi unit has been serviced. Contractors are assessed on the acres committed and whether baling income is invoiced promptly, because per-bale work is notorious for slow payment. Repayments can be weighted towards the summer, which suits a contractor whose baling income lands between May and September, though many farms simply take a level profile because the machine supports year-round forage.
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 |
|---|---|
| McHale V6750 | Variable chamber round baler |
| McHale Fusion 3 Plus | Integrated baler wrapper combination |
| Krone Comprima V150 XC | Variable chamber baler with chopping rotor |
| Krone VariPack V190 | Large variable chamber round baler |
| Claas Rollant 520 | Fixed chamber baler for silage |
| Claas Variant 580 | Variable chamber baler for hay and straw |
| Kuhn VB 7160 | Variable chamber baler with high density |
| New Holland Roll Belt 180 | Belt-driven variable chamber baler |
| Vicon RV5216 | Fixed chamber baler for grass silage |
| Massey Ferguson RB 4160V | Variable chamber baler for mixed farms |
Get a quoteor call 0333 772 4864
Who buys one
Livestock and dairy farms baling their own silage, hay and straw, and contractors baling for neighbours on a per-bale basis. The trigger is often net wrap or knotter problems costing hours in a settled weather window, a move from clamp to bale silage after a wet season, or a contractor taking on enough extra acres that one baler no longer keeps up between cuts.
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.
Round baler finance questions
Is a baler-wrapper combination funded as one machine or two?
One. An integrated combi such as a Fusion or a similar machine is a single item on a single invoice and is funded that way. It is only when you buy a standalone baler and a separate trailed wrapper that you are looking at two items, and even then they can usually go on one agreement if the dealer invoices them together.
How much does bale count matter?
A lot. It is the honest measure of how hard a baler has worked, in the way hours are for a tractor. A machine with a modest count and a full service record will be funded more easily than a newer machine that has been on contract work every day of the season. Ask for the count off the monitor before you commit.
Can I fund a baler if I only bale a few hundred acres a year?
Yes, though it is worth being honest with yourself about whether owning beats paying a contractor. Funders will support it if the farm accounts carry the payment. Many smaller farms fund a good used machine and take on a little contract baling for neighbours to make the numbers work.
Can I include a bale trailer or handler on the same deal?
Only if it is on the same invoice from the same supplier. Buying a bale trailer from a different dealer means a separate small agreement. If you know you need both, ask the dealer to source and invoice them together so it becomes one straightforward transaction.
Are square balers treated differently to round balers?
Broadly the same, but large square balers carry a higher value and are bought mainly by straw merchants and contractors, so funders look harder at the contract work behind them. Knotter condition and plunger bearing history are the questions that come up on used machines.
Get a quoteor call 0333 772 4864
Also in rural and agricultural finance
- Compact tractor finance
- Tractor finance
- Telehandler finance
- Combine harvester finance
- Forage harvester finance
- Crop sprayer finance
- Slurry tanker finance
- Muck spreader finance
- Seed drill finance
- Farm trailer finance
- Grain dryer finance
- Grain store finance
- Livestock handling equipment finance
- Diet feeder finance
- Quad bike and ATV finance
- Hedge cutter finance
- Beet harvester finance
- Farm biomass boiler finance
- Cattle shed finance
- Cultivator finance
- Dairy equipment finance
- Egg grading equipment finance
- Farm workshop finance
- Feed bin finance
- Fencing equipment finance
- Fertiliser spreader finance
- Forestry crane finance
- Grain silo finance
- Livestock housing finance
- Milking parlour finance
- Mower conditioner finance
- Plough finance
- Potato harvester finance
- Poultry housing finance
- Robotic milker finance
- Silage clamp finance
- Slurry store finance
- Solar farm mounting finance
- Square baler finance
- Timber trailer finance
- Water trough system finance
- Yard scraper finance
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.