Agricultural Contractor Finance
Funding for contracting businesses that need reliable machinery and cash flow to serve their customers through the season. At DNA Finance we work with specialist agricultural lenders that understand the industry. We are a broker, not a lender: we handle the application by telephone and manage the process on your behalf.
What can be financed?
- Tractors, foragers, balers and trailers
- Specialist contracting equipment and attachments
- Vehicles and low-loaders
- Replacing ageing or unreliable kit
- Working capital to cover fuel, wages and parts before invoices are paid
- Refinancing equipment you already own
Who can we help?
- Agricultural and land-based contractors across the UK
- Silage, harvest, drilling, spraying and hedge-cutting contractors
- Sole traders, partnerships and limited companies
- Contractors with bad credit history or existing large debts, considered on their merits
- New contracts that need extra capacity quickly
How much can you borrow?
£10,000 to £5 million
Machinery is funded against the asset itself, while working-capital facilities are assessed on your contract income and trading history. Repayment profiles can be matched to the contracting season. Terms run from 3 months to 5 years.
How quickly can funding be arranged?
Initial decision typically within 24 hours
The application is a simple, quick telephone conversation. For machinery and working-capital requests an initial lending decision is typically given within 24 hours, subject to assessment. Nothing is guaranteed in advance and every application is considered on its own circumstances.
What do lenders look for?
Knowing what underwriters weigh up lets us present your case properly the first time, which means faster decisions and better terms.
- 01The value and condition of the equipment being financed
- 02Contract or customer income supporting repayments
- 03Farm accounts, trading history and seasonal cash-flow pattern
- 04Any subsidy, grant or contract income supporting repayments
- 05Existing borrowing and overall affordability, including larger debts
Agricultural Contractor Finance questions
Get a Contractor Finance Quote
Tell us a little about your farm and requirement. We'll discuss agricultural contractor finance options with our specialist agricultural lenders and come back to you with clear terms. No obligation, no impact on your credit score.
- Specialist agricultural lenders
- Simple telephone application
- Bad credit and existing debts considered
- No obligation quote
