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.

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

Table of Contents

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.


  • Find the most competitive funding for a new combine harvester to allow a new contractor to set up

  • Help an established farmer lease a GPS equipped tractor

  • Source a lease arrangement to build grain silos

  • Find the most competitive finance to re-equip a neglected tenant farm

  • Help an established restaurant to install a robot milker, allowing a farmer to manage a 100 head herd single handed

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

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