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Combine Harvester Finance
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Written by James Dutton
James is Head of Asset Finance in our funding division. He specialises in arranging finance for assets across a range of sectors, as well as experience in completing finance agreements for assets coming from abroad. James has more than 30 years of experience in the finance sector, providing him with the necessary expertise to arrange finance for businesses requiring finance facilities across the UK.
What is combine harvester finance?
A combine harvester is one of the most significant investments an arable farming business can make. These machines are key in the harvesting process; cutting, threshing, and cleaning grain in a single pass, and their reliability can significantly influence the success of the harvesting season.
Combine harvester finance allows farming businesses to acquire this equipment without committing to a substantial upfront payment. At UK Business Finance, we can arrange finance for the purchase of a new or used combine harvester, restructure existing agreements, and provide farm specific unsecured loans to agri-businesses.
Whether you are looking to replace an ageing machine, expand your capacity ahead of the harvest season, or unlock cash from equipment you already own, our agriculture finance team can help you find the most suitable arrangement.
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Benefits of combine harvester finance
Managing cash flow through harvest season and beyond: Arable farming operates around a concentrated window of income, and a large capital outlay on a combine harvester can place pressure on cash reserves. Financing the purchase spreads the cost into manageable monthly repayments, which means working capital remains available for seed, fuel, labour, and other essential costs throughout the year.
Release cash from equipment you already own : If your business owns a combine harvester outright, asset refinance gives you a way to raise capital against it without giving up operational use of the machine. The asset is sold to the funder and leased back to your business, providing a lump sum that can be directed towards new machinery, land investment, or other costs. At the end of the agreement, full ownership returns to you.
Predictable repayments make planning straightforward: Finance agreements come with fixed monthly repayment amounts agreed at the outset, which makes it much easier to plan outgoings in advance. For farming businesses where forward planning is essential, knowing exactly what is owed and when removes uncertainty from the financial calendar.
Access newer, more capable machinery: Modern combine harvesters offer significant improvements in throughput, fuel efficiency, and grain loss reduction compared to older models. Financing gives arable businesses a practical route to upgrading their equipment without the need to fund the full purchase price upfront. This helps to protect yield quality and harvest capacity over the long term.
Repayment terms built around your farming calendar: We understand that income in arable farming is different for each agri-business. Finance agreements can be structured to suit the nature of your specific business, so the monthly payments are manageable for your farm, ensuring that unnecessary pressure is not placed on cash flow.
How we help businesses with combine harvester finance
UK Business Finance is a commercial finance broker with access to a broad panel of lenders, allowing us to source funding solutions specifically structured around the demands of modern agricultural operations. Whether you are looking to acquire a new combine harvester or upgrade existing machinery, we will find the right finance package for your business.
Here is how we can help:
- Get a no-obligation quote back to you within 60 seconds
- A diverse network of lenders ensuring the most suitable deal is identified for you
- Our team handles the entire application process with the funder on your behalf
- Specialists with deep knowledge of agricultural machinery finance delivering a professional, reliable service
For more information on combine harvester finance, please get in touch with our agricultural finance team today.
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Why does your business need combine harvester finance?
Combine harvesters can represent a significant capital investment for a farming business. Asset finance and finance leases provide a way to spread that cost across a fixed repayment schedule, while asset refinance can release capital from machinery already on the farm. Farm loans are also available for businesses with broader funding requirements beyond a single asset purchase.
UK Business Finance can help farming businesses find the right finance solution for their circumstances. Whether you are looking to invest in a new combine or release equity from existing equipment, our team will handle the process from initial enquiry through to funding.
| Asset Finance | Asset Refinance | Finance Lease | Unsecured Loans | |
|---|---|---|---|---|
Typical term length | Medium Term | Medium Term | Medium Term | Short Term |
Flexibility | Medium | Medium | Medium | High |
Deposit required? | Yes | Yes | Yes | No |
Purpose | Purchase assets | Raise capital for multiple ventures | Lease assets | Multiple business needs |
How do we work?
1. Get a Customised Quote
When you reach out to us, we will likely request that you provide the following information. Your latest set of accounts, previous 6 months’ banks statements and director’s personal details.
2. Compare Options
Once the information from step 1 has been confirmed, we will reach out to our extensive panel of funders, who under normal circumstances, respond with an answer in 48 hours. After this, Know Your Customer (KYC) and identification checks will take place for the business and its directors.
3. Finalise the agreement
As soon as you agree to move forward with the terms and conditions, you will receive the relevant documents for you to sign and then return. After the final checks have been completed, the funds will be released. The time taken to release the funding varies depending on the funder, ranging from 24 to 72 hours.
Why does your business need combine harvester finance?
For many farming businesses, a combine harvester is an operational necessity. Financing this asset in the right way can protect working capital during the periods of the year when it matters most.
- Preserve working capital
- Modernise harvesting equipment
- Refinance existing machinery
- Align repayments with seasonal income
- Access the latest harvesting technology
- Cover unexpected operational costs
- Spread the cost of a high-value asset
- Improve harvesting efficiency
Why Choose UK Business Finance
100% Independent Broker
We're not tied to any lender. With access to 90+ finance providers, we match you with the most suitable funding solution, not the one that pays us the best commission.
Callback Within 30 Minutes
From the moment you contact us, we commit to responding within 30 minutes. When your business needs funding fast, every hour counts.
Nationwide Coverage, Local Expertise
With 8 regional offices and 100+ supporting locations across the UK, you'll work with a finance specialist who understands your local market.
Different Sectors We Can Finance
Agriculture and Farming
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Agriculture Equipment Finance
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Automotive
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Combine Harvester Finance
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Construction
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Digital & Technology
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Education
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Engineering and Manufacturing
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Field Sprayers Finance
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Financial Services
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Glamping Pods Finance
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Golf Clubs
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Healthcare
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Manufacturing
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Portacabin Finance
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Professional Services
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Property
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Retail
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Security
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Technology and Media
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Transport & Logistics
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Woodchipper Finance
Read moreAgriculture Finance FAQs
How can I increase my chances of securing agriculture finance?
To boost your chances of approval, it’s important to maintain a good credit score and keep your financial documents well-organised. Demonstrating stable income and a healthy trading history will be beneficial. Reducing any existing debts can also improve your affordability profile. Additionally, clearly outlining the purpose of the finance and how it will benefit your business can help reassure lenders of your reliability.
What are the different finance options available with agriculture finance?
We can provide solutions including hire purchase agreements, finance leases and asset refinance. As well as this, we can arrange unsecured loans and working capital loans.
What are the eligibility criteria for securing agriculture finance?
While specific criteria can vary between lenders, generally, you will need to demonstrate that you are a registered UK business, provide full annual accounts, previous bank statements, plus personal details such as full name, date of birth and personal address.
What are the typical terms for agriculture finance?
The terms and interest rates may depend on multiple factors, including the age and condition of the asset, the amount being financed, the length of the repayment term, your business’ creditworthiness, current market interest rates and the specific finance product chosen.
What documents do I need to provide with agriculture finance?
To apply, you will need to provide a range of documents to verify your business’s financial health. Documents to provide often include your business’s latest financial statements, 6 months of company bank statements, full name, address, DOB and homeownership status of all directors.
What type of agriculture assets can I finance through your services?
With UK Business Finance, you can finance a wide range of different agriculture assets. These include tractors, harvesters, combine harvesters, dairy herds, crop sprayers, and a range of other agriculture equipment.
