Agricultural Finance
Finance for tractors, combines, implements and specialist farm equipment, structured around the seasonal nature of agricultural business rather than a standard monthly repayment calendar.
Agricultural finance requires an understanding of how farming businesses actually operate. Income arrives in seasonal peaks tied to harvest, livestock cycles and contracts. Standard monthly repayment structures do not always reflect that reality.
We are Highland-based and understand the particular circumstances of Scottish farming, from crofts and hill farms to large arable operations. We work with lenders who offer genuinely flexible structures, not just standard HP terms.
We also arrange refinance on equipment already owned, releasing capital from existing machinery without giving up use of it — a particularly useful option ahead of a new season or a significant capital expenditure decision.
Repayments structured around harvest, livestock cycles and contract income, not a generic monthly calendar.
Finance for new machinery from dealers and used equipment from private sellers, auctions and agricultural merchants.
For purchases ahead of a busy season, some lenders allow a deferred start so repayments begin when the asset is earning.
Own the asset at the end with HP, or keep payments lower with a Finance Lease. We recommend the right structure.
Already own equipment? Release the capital tied up in existing machinery without giving up use of it.
Experience across the full range of Scottish agricultural operations, from small crofts to large-scale farming businesses.
Farming businesses often hold significant value in machinery and equipment. A Business Finance Review examines what you own, what agreements are already in place, and whether there is equity that could be released to support the next phase of your operation, fund a new purchase, or simply improve your cash position ahead of a difficult period.
Whether it is new equipment, refinancing what you already own, or simply understanding what options exist, a conversation costs nothing.