Combine Harvester Finance

Finance your combine harvester

Combine harvesters are the backbone of efficient grain production, handling everything from wheat and barley to oats, canola, and beyond.

With so many models and configurations on the market, finding the right machine and the right finance deal can be overwhelming.

That's where our dedicated agriculture finance team can help you with your finance agreement whether that's hire purchase, finance lease or an unsecured loan.

Whether you're upgrading your fleet or buying your first harvester, we'll help you navigate the options and secure funding that works for your operation.

We can also arrange finance for other arable equipment including field sprayers and milking parlours.

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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With full market access and absolutely no ties to any lender, we can objectively match you with the most effective and cost-efficient source of business finance. Contact our team today!

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 helped a farming and agriculture business

A Yorkshire-based vegetable farmer contacted UK business finance to arrange finance for a two combine harvesters for their agriculture business.

The long-term customer has been dealing with UK business finance since 2019 and we were able to arrange over £1650,000 in funding for the client to purchase the assets. 

Both the deals were funded over 60-months term with a 1-month VAT deferral to assist with cashflow over the quieter winter months for the farming industry.

The customer was delighted with deal due to the rate and terms offer that were considerably lower than other finance providers.

Apply for 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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Our team of finance experts can provide industry-leading advice on finance options to suit a range of different scenarios. Call the team on 0808 301 0624 or Contact Us