Tractor and Combine Finance
Spread the cost of new or used tractors, combines and harvesting machinery over terms that fit the farming year. 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?
- New and used tractors from any manufacturer
- Combine harvesters and forage harvesters
- Balers, sprayers, drills and cultivation equipment
- Telehandlers and loaders
- Dealer, auction and private sales
- Hire purchase and finance lease structures
Who can we help?
- Owner-occupier and tenant farmers across the UK
- Arable, dairy, livestock and mixed farms
- Farmers replacing or upgrading an existing fleet
- Farmers with bad credit history or existing large debts, considered on their merits
- Businesses that need a decision before a sale or auction closes
How much can you borrow?
£10,000 to £5 million
The machine itself acts as security, so the amount depends on its value, age and resale market together with the deposit or part-exchange you can contribute. Repayments can often be shaped around harvest income rather than flat monthly instalments. 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 purchases 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 age, make and resale value of the machinery
- 02Deposit or part-exchange you can contribute
- 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
Tractor and Combine Finance questions
Get a Tractor Finance Quote
Tell us a little about your farm and requirement. We'll discuss tractor and combine 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
