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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.
For arable farmers and agri-businesses, the ability to store grain on-site after harvest is essential. At UK Business Finance, we can arrange agriculture finance for the purchase of grain storage units, whether you are investing in new facilities or expanding existing capacity.
Finance can also be structured to refinance storage infrastructure your business already owns. Rather than committing a large amount of capital to a single purchase, a finance agreement allows the cost to be distributed across a series of manageable monthly repayments, with terms that can be configured to reflect the specific circumstances of your business.
Protecting working capital: Investing in grain storage infrastructure outright can place a considerable strain on a farm's financial position. Finance allows the cost to be structured across a pre-agreed repayment schedule, meaning capital is preserved for the day-to-day demands of the business, including inputs, labour, and machinery maintenance throughout the growing season.
Unlocking funds through asset refinance: For agri-businesses that have built up owned infrastructure over time, asset refinance provides a route to releasing capital without disrupting operations. The asset is sold to the funder and leased back, with the business receiving a lump sum, which can be directed towards new investment, outstanding payments, or other business priorities. Ownership reverts to the business once all repayments have been completed.
Greater control over grain marketing: Having dedicated storage capacity means decisions can be made at a pace that suits the business, whether that is waiting for the right buyer, consolidating loads, or managing the transition between harvest and delivery more efficiently. It removes a logistical pressure point that can otherwise disrupt operations during one of the busiest periods of the farming calendar.
Clear and predictable repayments: Finance agreements are structured around fixed monthly repayments, so the business knows precisely what is owed and when. This level of certainty makes forward planning more straightforward and eliminates the risk of unexpected outgoings during the repayment period. Knowing the commitment in advance allows cash to be set aside accordingly each month.
Terms shaped around your business: Finance agreements for grain storage units can be structured to suit the financial profile of the individual business, with the terms decided able to influence the monthly repayment amount. This means businesses can arrive at a repayment structure that works within their existing commitments.
UK Business Finance is a commercial finance broker with access to a wide network of lenders, allowing us to pinpoint funding arrangements that are built around the operational and financial realities of your grain storage requirements.
Here is how we can help:
For further details on grain storage unit finance, please reach out to our agricultural finance team.

Grain storage finance gives arable and mixed farming businesses a practical route to acquiring the storage capacity they need without committing a large sum of capital upfront. Hire purchase and finance leases spread the cost of new or used units across fixed monthly repayments, while asset refinance can release funds from valuable owned assets. Farm loans provide an alternative where the funding requirement sits outside a straightforward asset purchase.
UK Business Finance works with farming businesses to find the most suitable finance arrangement for their storage needs. Whether you are investing in new capacity or looking to unlock capital from existing assets, our team will manage 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 |
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.

For agri-businesses, having sufficient and reliable grain storage is vital. The right finance solution helps farming businesses invest in that capacity without putting pressure on the cash reserves needed to keep operations running through the season.
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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.
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.
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.
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.
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.
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.