Agriculture & Farming
From tractors and combine harvesters to farm buildings and seasonal working capital — specialist agricultural finance from GDFS.
About this sector
Finance in the Agriculture & Farming sector
UK farming is capital-intensive by nature. A single modern tractor can cost £80,000–£180,000; a combine harvester upwards of £300,000. The post-Brexit transition away from the Basic Payment Scheme toward Environmental Land Management payments has added further uncertainty to farm income, making cash flow planning more critical than ever.
Asset finance is particularly well-suited to farming because repayments can be structured around the farming calendar. Seasonal payment profiles — lower in quiet winter months, higher after harvest or milk cheque peaks — mean finance works with your income cycle rather than against it.
GDFS works with specialist agricultural lenders who understand that farming income does not arrive in twelve equal monthly instalments. Whether you are upgrading the main tractor, investing in a new grain store, or bridging cash flow between seasons — we structure finance around how your farm actually works.
Finance solutions
Products suited to Agriculture & Farming
Why GDFS
A broker who knows your industry
We're not a comparison site or a call centre. We're an independent broker who takes the time to understand your business, your cash flow, and the unique challenges of your sector — then we find the right deal from a panel of 30+ lenders.
- FCA-authorised credit broker
- Access to 30+ specialist lenders
- Decisions typically within 24–72 hrs
- Personal broker assigned to every case
- Dorset-based, serving businesses UK-wide
- 5-star rated on Trustpilot
FCA authorised & regulated
Your interests are always protected
How we get your deal done
Tell us what you need
Call, email or fill in the form. No obligation, no credit check at this stage.
We search the market
We compare rates and products across 30+ specialist lenders on your behalf.
You choose the best deal
We present the options clearly — you decide what works for your business.
Funds in your account
We manage the paperwork end-to-end. Typical decisions within 24–72 hours.
Common questions
Agriculture & Farming finance FAQs
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Can you spread the cost of a tractor or combine harvester?
Yes. Asset finance is ideal for farm machinery — hire purchase or finance lease options let you spread the cost over terms of 1–7 years, with the asset often acting as security. You use the machine from day one while keeping your working capital intact.
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Can you structure repayments around my harvest cycle?
Absolutely. Many of our agricultural lenders offer seasonal payment profiles — lower payments in quieter months and higher ones when cash is coming in after harvest. We'll tailor the structure to your farming year.
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Can I refinance equipment I already own?
Yes — refinancing lets you release equity from machinery you already own outright. It's a useful way to free up working capital without selling the asset.
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Do you finance farm buildings and improvements?
Yes. We can arrange funding for grain stores, livestock buildings, polytunnels, solar installations, and other farm infrastructure — through asset finance, business loans, or development finance.
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How quickly can you get a decision?
For most agricultural asset finance deals under £250,000 we aim for an indicative decision the same working day. Larger or more complex deals may take a little longer.
Ready to talk agriculture & farming finance?
Get a free, no-obligation quote today. We'll do the lender legwork — you focus on your business.