Harvester Finance

Harvester Finance for UK Businesses

Harvester finance offers a practical and flexible way for agricultural businesses to invest in essential harvesting equipment without the strain of a significant upfront cost. Whether you're looking to replace outdated machinery or boost your harvesting capacity, finance solutions can support cash flow management and protect your working capital.

Having a specialist agriculture team in-house means we have people who can offer advice on whatever you’re looking at buying and point you in the right direction.

As harvesters are usually used in conjunction with forwarders, we can also arrange funding for both assets together, either new or used, restructure existing finance agreements and provide you with flexible seasonal payment options.

At MAF Finance Group, we work with a broad network of lenders to find the most appropriate finance deal tailored to your farm’s specific needs. From your first enquiry to the completion of your agreement, we manage the entire process which allows you to focus on running your business efficiently.

Do I qualify for harvester finance?

We can assist a wide range of farming businesses in securing finance for harvester finance, whether you're investing in a combine, forage harvester, or self-propelled machine.

We can support the following businesses:

• Sole Traders and Smallholder Farmers
• Family-Run Agricultural Businesses
• Partnerships and Limited Companies
• Arable and Mixed Farming Enterprises
• Large-Scale Farming Operations

Whether you're purchasing new or used equipment, we’ll work with you to structure a finance solution that matches your seasonal income and operational needs.

Benefits of harvester finance

Some benefits of using harvester finance include:

Flexibility of payment terms: Harvester finance can provide flexible payment options and payment terms that cater to your business. You can choose from various repayment periods, allowing you to spread the cost of the harvester over time.

Access to a wide range of harvesters: Financing a harvester allows you to access a wide range of harvesters, including new and used.

Preservation of working capital: Harvester finance allows you to preserve your working capital, as you don’t need to make a large upfront payment. This frees up funds for other essential aspects of your business, such as expanding business operations, investing in new technologies, or hiring additional staff.

Different types of harvesters

Tractor Drawn Harvesters: These harvesters are attached to the tractor vehicles as they do not have their own power or wheels to operate independently.

Self Propelled Combine Harvesters: This wheeled combine can power its own machinery and doesn’t need the support of tractors, and is suitable for farm fields having hard soil.

Track Combine Harvesters: These harvesters are fitted with the help of tracks instead of wheels. They have a high ground clearance and a highly durable structure consisting of durable drivers.

How long does it take to secure harvester finance?

Harvester finance often varies and depends on the business and type of finance required.

It might take a few weeks or may require several months of planning. Applicants for harvester finance should have all their accounts in order and available for inspection, just like with any other type of business funding.

Bank statements, the last three to five years’ worth of certified accounts, business plans, and specifics on assets and liabilities can all be required.

Can I finance both new and used harvesters?

MAF Finance Group offers finance for both new and pre-owned harvesters, whether you're buying from a dealership, auction, or private seller.

What types of harvesters can be financed?

We can arrange finance for a wide range of harvesting machinery, including combine harvesters, forage harvesters, beet harvesters, and grape or specialist crop harvesters.

How long can I spread the cost of a harvester?

Finance terms typically range from 2 to 7 years, depending on the asset's value, condition, and your business needs.

Applying for harvester finance

MAF Finance Group can compare finance offerings from a wide panel of lenders to find the best option for you.

If you would like to get a quote or need further information, simply fill in the form and we will contact you. If you want to speak to someone directly, you can call us on 0115 958 6872 and a member of our team will be happy to speak to you. Alternatively, email us at [email protected].