Finance Options

To find out which finance option is right for you, try our product selector.


Hire Purchase

Hire Purchase lets the eventual owner of an asset pay for it gradually, giving financial security and predictability. It’s very flexible, with a wide range of options for the deposit amount, repayment amount and repayment frequency. Payments can even be matched to a seasonal income cycle.

Because all terms are agreed upfront, Hire Purchase also gives protection against any increase in interest rates.
Benefits of Hire Purchase:

  • Accurate budgeting with fixed interest and repayments
  • The interest element included within payments can be registered as a business expense and is therefore tax allowable
  • The cost of the equipment can be tax allowable through Annual Investment Allowances or Writing Down Allowances


Operating Lease

An Operating Lease is a smart way to access and operate the latest equipment with minimal risk. At the end of the contract the equipment is returned to us. If all return conditions are met, there’s nothing more to pay.

Benefits of an Operating Lease:

  • Low total cost and low initial cost, with all payments (including VAT) repaid across the contract period
  • Tax efficient because asset repayments count as a business expense
  • Allows accurate budgeting with minimal risk
  • Maintenance costs can be included in the repayment plan


Finance Lease

A Finance Lease gives access to the latest equipment for a regular sum that can be offset against taxable profits. The initial cost is also very low, because all payments are spread across the whole repayment period.

Benefits of a Finance Lease:

  • Low initial cost with all payments (including VAT) repaid across the contract period
  • Tax efficient because asset repayments count as a business expense
  • Allows accurate budgeting
  • Maintenance costs can be included in the repayment plan


Commercial Loans (UK only)

A Commercial Loan is a debt-based funding arrangement available for farming and core business assets. As the loan is unsecured you won’t need to provide any documents such as valuations and guarantees, making the application process simpler than requesting a bank loan. A rationale will be required to approve the request and you will need to provide an invoice to process the payout.

Benefits of a Commercial Loan:

  • Lowest interest rates of all loan options
  • Flexible long-term payment plans (up to 5 years)
  • Cost-effective loan options