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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.
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 as we specialise in the agriculture sector.
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.
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
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.
Combine Harvester Finance FAQs
Can I finance a used combine harvester?
Yes, finance is available for both new and used combine harvesters. Lenders will typically take into account the age, condition, and value of the machine when assessing your application, so it is worth having a clear picture of the asset's current market value and service history before applying.
Can I finance combine harvester attachments and headers separately?
In many cases, yes. Headers and specialist attachments can represent a substantial cost in their own right, and it can be possible to finance these separately or as part of a broader agreement covering the full machine.
How does the seasonal nature of combine harvesting affect my finance agreement?
Some lenders can accommodate the seasonal cash flow patterns common in arable farming, including flexible repayment structures that align repayments with harvest income. This can help ease pressure during quieter periods of the year.
How much can I borrow to finance a combine harvester?
The amount you can borrow will depend on factors such as the value of the machine, your business's financial profile, and the lender's criteria. We work with a panel of lenders to find terms that reflect your specific circumstances.
What finance options are available for a combine harvester?
Combine harvesters can be acquired through hire purchase agreements, which allow you to spread the cost over a fixed term and own the machine outright at the end. Finance leases are also available if you do not want to own the asset. We'll help you identify the most appropriate structure for your business.
What types of combine harvesters can I finance?
We can arrange finance for a wide range of combine harvesters, including wheeled and tracked models, as well as rotary and conventional straw walkers. Whether you're looking to finance a new machine or a used model, we can tailor a solution to suit your needs.
