Farm Equipment Finance and Agricultural Finance

Farm equipment finance sits within the wider agricultural finance landscape and is typically used to fund the purchase of equipment used within farming businesses and rural operations.

This type of funding supports a wide range of assets, from core machinery to more specialised equipment used across different areas of agricultural production and farm management.

In practice, asset finance is structured around the equipment itself, with repayments spread over time to reflect its use within the business. This allows farming businesses to acquire and utilise essential equipment without funding the full cost upfront.

Farm equipment finance can be applied across a broad range of asset types, including livestock equipment, tillage equipment such as disc harrows, ploughs and subsoilers, and irrigation systems used to support crop production.

It may also cover more specialist equipment such as robotic milking systems, including robots, bulk tanks and buffer tanks, along with spreaders and sprayers used for fertiliser and crop management.

Additional equipment financed may include turf equipment, general farm equipment such as augers, loaders, forklifts and attachments, as well as manure spreaders and handling systems.

Harvesting equipment, including silage trailers, grain trailers and gravity wagons, can also be funded, alongside grain handling and storage equipment and hay and forage equipment such as balers, mowers, rakes, tedders and wrappers.

Farm equipment finance often sits alongside other forms of agricultural finance depending on the requirements of the business. For example, VAT on equipment purchases may be funded separately through asset finance VAT loans, while working capital and operational requirements may be supported through farm loans.

If you’d like to explore farm equipment finance further, more details are available here