Hire purchase and finance lease for new and used agricultural equipment, with repayments that flex around harvest, subsidy and seasonal income. Devon-based, supporting farms and contractors nationwide.
Equipment Finance SW Ltd is a credit broker, not a lender. Finance is subject to status and terms apply.
Income arrives with the harvest, not in equal monthly chunks. We arrange seasonal, annual or stepped repayments that match how a farm actually earns.
Tractors and kit hold value and keep working for years. We know the lenders comfortable funding older, high-hour and auction-bought machinery.
Agricultural enquiries are handled by our dedicated farm-finance specialist who speaks the language of the sector — arable, livestock and contracting.
Tell us the asset and a rough amount — about a minute, no full application.
We match your deal to suitable lenders from our selected panel and present it properly.
Review your options, get a decision in principle, and sign documents electronically.
Funds are released to the supplier and your asset is on site — earning.
For illustration purposes only. The rate and payment you may be offered will be based on your individual circumstances.
Representative example: Borrow £40,000 over 60 months with a £0 deposit at a representative 10.9% APR (fixed). 60 monthly payments of £824.10. Option-to-purchase fee £10 payable. Total cost of credit: £9,456.00. Total amount repayable: £49,456.00.
Figures are indicative only and do not constitute a quote or an offer of finance. Equipment Finance SW Ltd is a credit broker, not a lender. Finance is subject to status and terms apply.
Spread the cost and own the asset outright at the end. Protects day-to-day cash flow while building an asset on your balance sheet.
Use the equipment you need without buying it outright, with flexible terms. Lower upfront cost and VAT spread across the rentals.
Anonymised, illustrative examples. Every deal is structured individually and subject to status.
Annual repayments timed to the harvest cheque; funded with no deposit on a used machine.
Seasonal profile keeping rentals low through the quieter winter months.
Two assets funded on one facility to keep the paperwork simple.
A single application to your bank means a single answer. We approach a carefully selected panel of lenders on your behalf and handle the legwork.
We compare across our selected panel rather than a single lender's products.
An initial enquiry uses a soft approach — no mark on your file to explore options.
Newer businesses and limited trading history are considered — talk to us first.
We often turn around an indicative decision quickly so you can move on the asset.
Agricultural enquiries are handled by our dedicated farm-finance specialist, who understands the seasons, the subsidies and the machinery. You deal with one person from first enquiry to completion.
“Working with George has been an absolute pleasure. His expertise, professionalism and dedication to top-notch service and great rates are second to none.”
“I've used Equipment Finance SW for my last five finance requirements. George is thorough, professional, and consistently delivers prompt settlements along with great deals tailored to our business.”
Yes. Seasonal, annual and stepped repayment profiles are common in agriculture — we structure payments around when your income actually arrives rather than in flat monthly amounts.
Yes. Used, ex-demo and auction-bought machinery are all common for us. Farm kit holds value, and we know the lenders comfortable funding older or higher-hour machines.
An initial enquiry is a soft approach and won't leave a mark on your file. A full credit search only happens later, with your consent, once you decide to proceed.
Yes. Dealer, auction and private-sale purchases are all considered — it helps to use a specialist who knows which funders support each route and how to present the deal.
Yes. Newer enterprises and farms diversifying into new activities are considered. A deposit can help, and we'll tell you honestly what's realistic before you apply.
With Hire Purchase you own the machine at the end of the agreement. With a Finance Lease you rent the asset with flexible end-of-term options and spread the VAT across the rentals. We'll recommend the right structure for how you farm.
