How Do Agricultural Contractors Fund Machinery and Seasons?

The funding challenge for agricultural contractors

Agricultural contractors run high-value machinery used intensively in short seasonal windows, funding the fleet year-round against income concentrated at harvest and cultivation peaks. Money leaves the business before it comes back, and for agricultural contractors that gap has a particular shape — around equipment, stock, seasonality or the wait for payment. Naming the shape is how you avoid borrowing the wrong way and overpaying for it.

The facility that tends to fit

The natural route here is asset finance for machinery. It matches the need rather than forcing a one-size loan onto a specific problem, and where a firm has both an asset to fund and a cash gap to bridge, two matched facilities usually cost less than one stretched to do both. Credicorp lends to limited companies and LLPs with no personal guarantee. Read the underlying guide before committing.

Put real numbers behind it

Size it with our seasonal cash-flow planner and the asset finance vs loan on Learn. A figure taken from a forecast, with repayments matched to when cash actually arrives, beats a round number every time.

How lenders view the trade

Our sector page for agricultural contractors sets out what a lender looks at, and the general answers on whether your sector affects borrowing and how affordability is assessed give the wider picture. When ready, you can apply. General information, not an offer of finance.