Farm Equipment Financing: Keeping farming profitable

Cut the cost of getting the best equipment for the job

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Funding options


Hire Purchase

  • HP up to 60 months
  • Balloon payment options
  • No capital requirement
  • Undercut "0% finance" deals from suppliers


  • Choice of leasing arrangements
  • Monthly, quarterly and annual payment schedules
  • Suitable for all types of agricultural equipment
  • No capital requirement


  • Up to 100% funding
  • Funds for any type of equipment
  • Lease any type of assetRefinance existing assets
  • Low rates – lending secured on assets themselves

Talk to Rangewell – the business finance experts

Many business lenders are wary of the agricultural sector. We know the entire lending market, and can help you find the lenders who can help and the most competitive rates for funding the equipment your farm depends on.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

Your farm or agricultural contracting business operates to tight margins. You need to watch every cost - but you must use the right equipment.

Naturally, it can be tempting to try to get another season’s use out of tired equipment, but this can be a false economy. Older equipment will make you less productive, increase the risk of breakdowns – and mean safety issues that can lead to injury and liabilities.

Why traditional lending may not be the answer

New equipment, from tractors with full GPS positioning control to automated sprayers, can make a huge difference to your productivity.  But purchasing heavy equipment from your capital simply isn’t an option for most farmers and would leave you at a disadvantage if you need funds for an emergency. Traditional loan obligations could hang over you and put your business at risk if a crop failure means a budget shortfall.

Asset Finance

Most farmers find the solution in equipment financing and leasing. These Asset Finance solutions can be arranged around your budget, giving you the equipment you need and letting you spread the repayments.

Most agricultural equipment dealers will offer finance solutions, but getting funding from an independent finance provider can often mean getting the same equipment with big savings.

Funding may be available for:

  • Tractors
  • Trailers
  • Harvesters
  • Conveyors
  • Grain carts
  • Seeders
  • Fertiliser sprayers
  • Livestock feeders
  • Milking equipment

Asset Refinance

It may be possible to arrange finance for existing equipment, allowing you to reduce outgoings on items currently under finance, or to raise funds for use elsewhere. Call us to discuss the possibilities of Asset Refinance for your agricultural business.

Hire Purchase or Leasing?

Both Hire Purchase and leasing can provide ways to finance the assets you need.

Hire Purchase

Hire Purchase is the simplest form of Asset Finance. With HP, you can pay for the equipment you want for the long term with fixed monthly repayments over up to 5 years, letting you manage your cash flow better.


Leasing arrangements can be more appropriate for equipment that you may want to upgrade in a few years time, or which is very high cost.  With some leasing arrangements, you have the option to own your equipment outright at the end of the term, or simply return it and replace it with an updated model.

You can also decide whether you want maintenance and insurance to be included.

Asset finance for secondhand equipment

There are always opportunities to buy used agricultural equipment. Auctions, private sales and dealers can all offer bargains - but any equipment that can offer years of service can still command a high price, even if it is less than buying new. Asset finance can still provide a solution. Setting up HP or leasing for quality used equipment can mean reduced costs and can be simpler than you think.

Making existing payments easier

If you have an existing asset finance arrangement that means high repayments, or if you want to redirect cash elsewhere in your business, we may be able to help you refinance it. A new lender will pay off what you owe under your original agreement and set up a new finance arrangement.

This can cut repayments, spread them out over a longer term, or provide you with a cash lump sum as well as a new finance agreement.

Why you need Rangewell for Asset Finance

At Rangewell, we work across the entire lending industry, while our finance experts have personal experience in the needs of the agricultural sector.

We understand the financial circumstances you work under, and the additional challenges, like seasonal incomes streams, that you face.

We put this understanding to work for you. We know the lenders who share our understanding of farming and who can offer you the most competitive rates for the equipment and other assets you need, from a single tractor to an automated parlour and more.

Call us to get the equipment your farm needs

Coming to Rangewell means getting finance experts working to help you find you the most competitive funding for all your agricultural equipment needs. We have many funding solutions for the agriculture sector - from restructuring your farm to land purchase and finding the finance to diversify your farming business.

That means cutting the cost of building and running your farming operation, letting you increase efficiency and more into new revenue streams.

To be sure you are getting the right Asset Funding solution for your farming operation, talk to our business funding experts.

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • Cost-efficient funding
    The cost of your equipment can be spread over months or years, depending on your budget. You may not need a deposit, you retain liquidity and, with a lease, you avoid depreciation.
  • Versatility
    Asset funding can be provided for virtually any piece of farm equipment, from sophisticated tractors and vehicles to static items, buildings and safety equipment.
  • Low fixed monthly payments
    Lending is secured on the assets themselves, so interest costs and your monthly repayments can be reduced. Payments are usually fixed, allowing simpler cash flow management.
  • Using the most appropriate equipment
    If you need to set up for a new crop you can have the most appropriate equipment as you need it.
  • A single, predictable cost
    Leasing and HP payments are predictable, and you can include maintenance as part of the agreement – ensuring all costs are provided for.
  • Secured finance
    Unlike other forms of finance, asset funding ensures that none of your other assets are at risk. If bad harvests or other downturns hit your business, the lender could recover their costs by taking the equipment.

Download Rangewell’s free and detailed guide to Financing Agricultural Equipment

What asset finance solutions are available for the agriculture sector?

What is the difference between a Finance Lease and an Operating Lease?

How to harness the wide range of funding options available to the benefit of your agriculture business

Can I finance renewable energy schemes with Asset Finance?

Find out the most effective ways to spread the cost of your machinery and equipment - what is the right finance option depending on the type of farming equipment you purchase/lease

How to use different financing solutions to help with cash flow and working capital

What to expect from a leasing or Hire Purchase agreement

Key finance terms explained, including leasing period, subject to status, and short- and long-term solutions

What terms and conditions should I expect with agricultural finance?

Am I safe to submit  financial details online if the lender/broker's website uses cookies?

Your questions answered on funding for the agriculture sector, including how to use finance to match your cash flow

Are all lenders regulated by the Financial Conduct Authority?

Can my farming business finance a wide ranging selection of agricultural machinery?

The finance options agricultural businesses can benefit from when looking to purchase farm machinery, including  Contract Hire, Leasing and Hire Purchase

Download your free resource on financing farming equipment

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Your financial flexibility may be affectedOther lenders may view a long-term lease as debt. This could mean they may be less ready to advance other forms of finance.
The risk to your businessIf you are unable to keep up repayments on a hire purchase or lease agreement the lender could repossess your equipment, leaving your farm without the means to work.
Specialist funding may be essentialAt Rangewell we can help you find a lender who specialises in agriculture and can l understand your needs and offer the most competitive rate.

Our service is:


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.