Agricultural Machinery Finance
Flexible funding for farm machinery and agricultural equipment
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Modern farming relies on reliable, efficient machinery — but purchasing or upgrading agricultural equipment can place pressure on cashflow. At Avante Financial, we arrange agricultural machinery finance for UK farms and rural businesses, helping you access the equipment you need without tying up capital.
Whether you’re investing in new technology, replacing ageing machinery or expanding operations, we structure funding around seasonal income and operational needs
What we can finance
We arrange funding for a wide range of agricultural machinery and equipment, including:
Tractors
Combine harvesters
Sprayers
Balers
Seed drills
Telehandlers and loaders
Cultivation and tillage equipment
New and used machinery
Dealer and private purchases
If it’s essential to your farming operation, we can usually help.
Agricultural machinery finance options
We offer flexible funding structures suited to the agricultural sector:
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![tractor]()
Hire Purchase
Spread the cost over fixed monthly payments and own the machinery outright at the end of the term.
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![combine harvester]()
Finance Lease
Lower monthly payments with end-of-term flexibility, often suited to cashflow management.
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![Agriculture]()
Operating Lease
Use the machinery without ownership, ideal for regularly upgraded equipment.
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![Tractor]()
Refinance / Capital Release
Release cash tied up in machinery you already own to support working capital or expansion.
How agricultural machinery finance works
Initial discussion – Understanding your operation, equipment needs and seasonal cashflow
Lender sourcing – Access to specialist agricultural and asset finance lenders
Indicative terms – Clear options tailored to your circumstances
Approval & documentation – Efficient process with minimal disruption
Equipment acquisition – Funds released so you can get operational
Typical finance terms
Finance available on new and used machinery
Terms typically from 12 to 72 months
Seasonal or structured repayments may be available
VAT can often be funded (subject to lender approval)
Competitive rates from specialist lenders
Who this is suitable for
Farmers and agricultural businesses
Limited companies, partnerships and sole traders
Family-run farms
Contractors and rural service providers
New and established farming operations
Finance is subject to status, affordability and lender criteria.
Why choose Avante Financial
Access to specialist agricultural finance lenders
Experience with seasonal and variable cashflow
Clear, straight-talking advice
Fast decisions and efficient delivery
UK-wide service
We act as a commercial finance broker, not a lender, giving you access to a wide range of funding options.
Frequently Asked Questions
Still have questions? Take a look at the FAQ or reach out anytime. If you’re feeling ready, go ahead and apply.
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Yes. We regularly arrange finance for both new and used equipment, subject to age and condition.
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Yes. Some lenders can structure repayments to align with harvest or income cycles.
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In many cases, VAT can be included, depending on the lender and finance structure.
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Yes. Start-ups may be considered, particularly with relevant experience.