Tractors
Utility, high-horsepower and tracked tractors, loader tractors
John Deere, New Holland, Massey Ferguson, Fendt, Case IH, Claas, Valtra
FARM MACHINERY FINANCE
Good machinery sells before the season starts.Have your finance ready first.
Dispersal sales and collective auctions don’t wait for the bank. Get your finance pre-approved and you can bid on the tractor, combine or baler you need, with a clearer view of your proposed budget and the lender’s conditions.
Buying at auction, on the farm or online
Know your ceiling before the first lot goes under the hammer, whether it’s a farm dispersal, a collective sale or a timed online auction.
Buying from a dealer or another farm
Seek pre-approval before negotiating for one machine or a full line-up, and check the lender’s conditions before committing.
- For farm businesses
- New or used
- No broker fee
- No obligation
Pre-approval sets out a proposed budget, not guaranteed funding. Finance remains subject to the asset, your business and the lender’s final approval and conditions.
Farm machinery we finance
From a single loader tractor to a full harvest line-up, new or used, we can usually finance it.
Harvesting
Combines, forage harvesters, potato and beet harvesters, headers
Claas, John Deere, New Holland, Grimme, Krone
Cultivation & drilling
Ploughs, cultivators, power harrows, rollers, seed drills
Kverneland, Lemken, Väderstad, Horsch, Kuhn
Crop care
Self-propelled and trailed sprayers, fertiliser spreaders, irrigation
Househam, Bateman, Amazone, Kuhn, Hardi
Grass & forage
Mowers, tedders, rakes, balers, bale wrappers
Krone, Kuhn, McHale, Claas, Pöttinger
Handling & loading
Agricultural telehandlers, wheeled loaders, farm forklifts
JCB, Manitou, Merlo, Kramer, Weidemann
Trailers & transport
Grain and silage trailers, livestock trailers, low-loaders, ATVs and UTVs
Bailey, Marston, Richard Western, Ifor Williams, Honda, Kubota
Livestock & dairy
Milking parlours, robotic milkers, feeders, mixer wagons, slurry equipment
Lely, DeLaval, GEA, Keenan, Kverneland
Your budget agreed in three steps
- 1
Tell us what you need.
The machine, roughly what you want to spend and where you’re buying. Complete the application below with your personal, address and business financial details.
- 2
We find the lender.
We take your farm business’s details to the lenders on our panel and agree your limit. No chasing on your part.
- 3
Your limit, in writing.
A facility letter with your budget ceiling, in hand before sale day or before the dealer wants an answer.
Winning bid? Send us the invoice and the lender pays the auctioneer or seller direct.
Already won the lot without finance in place? Send us the invoice and we'll find a lender to pay the seller, fast.
See what it could cost each month
Start with the asking price and term to see the deposit and an estimated monthly repayment. Then get pre-approved and turn the estimate into a real figure.
Estimate your repayments
Estimated monthly payment
over 60 months
- Amount financed
- £90,000
- Total repayable
- £117,000
- Cost of finance
- £27,000
- Equivalent APR
- 11.4%
For illustration only — not a quote or an offer of finance. Estimates assume equal monthly payments, paid in arrears, with no fees or final balloon payment. Total repayable excludes your deposit. The rate and repayments offered will depend on the asset, term, deposit and lender, and are subject to status and lender approval.
Figures are illustrative only. Your actual rate depends on the machine, your farm business and lender criteria.
Before you bid, read our guide: Buying Farm Machinery at Auction: Things Worth Thinking About
FARM MACHINERY FINANCE APPLICATION
Get your limit agreed
This is a full finance application. Have your purchase details, personal and address history, and business financial figures ready. Bank details and supporting documents are optional. No broker fee. No obligation.
Where to buy farm machinery at auction in the UK
From monthly collective sales to on-farm dispersals and timed online auctions, these are some of the UK’s busiest machinery auctioneers. Agree your limit first, then watch their sale calendars.
Cheffins
Monthly Cambridge Machinery Sale at Sutton, near Ely; on-farm sales across the UK; timed online
Visit site — Cheffins (opens in a new tab)Clarke & Simpson
Collective sales at Campsea Ashe, Suffolk; on-farm dispersals across the East of England
Visit site — Clarke & Simpson (opens in a new tab)Brown&Co
Timed online and on-farm sales UK-wide, plus a quarterly national online machinery auction
Visit site — Brown&Co (opens in a new tab)BPI Auctions
Normanton, West Yorkshire; online auctions nationwide, including dealer closures
Visit site — BPI Auctions (opens in a new tab)Gordon Brothers
London; online auctions of dealer and farm business assets
Visit site — Gordon Brothers (opens in a new tab)Hammer Ready is independent and not affiliated with the auctioneers listed. Always check each sale’s terms, buyer’s premium, VAT and collection deadline.
Farm machinery finance FAQs
Who can apply?
Farm businesses buying machinery for use on the farm or in their contracting work.
What does pre-approval give me?
A facility letter setting out a proposed budget for the machine. This is not guaranteed funding: the lender must approve the purchase and its conditions must be met before payment.
Can you finance older or high-hours machinery?
Usually, yes. Lenders look at age, hours and condition, so older machines may mean a shorter term or bigger deposit.
Can I buy several machines at one sale?
Yes. We can finance a group of machines from one dispersal or collective sale as a single purchase.
Can repayments follow my farm’s income?
Many agricultural lenders offer seasonal or annual repayments to match harvest or milk income. We’ll tell you what’s available when we agree your limit.
Does it work for online auctions and dealers?
Yes. Pre-approval works for collective sales, on-farm auctions, timed online sales, dealers and private sales.
Do I need a deposit?
Usually, yes. The calculator shows it based on the asking price. The final amount depends on the machine and your farm business.
Does the finance cover the buyer’s premium and VAT?
The buyer’s premium can often be included. VAT is normally paid up front or covered by a short-term VAT loan, depending on the lender.
Is there a fee for pre-approval?
No. We’re paid by the lender, and there’s no obligation to go ahead.
Hammer Ready is a finance broker, not a lender. Finance is available to farm businesses only and is subject to status and lender criteria.