Farm Machinery Finance

Farm Machinery Finance Made Simple

Running a farm takes grit, resilience, and the right tools for the job. At First Oak Capital, we specialise in farm machinery finance that gets your equipment working as hard as you do. Whether you’re looking to upgrade a tired tractor, invest in a new baler, or kit out your whole operation, we’ve got your back.

We know cash flow in farming can be tight. Costs rise. Seasons change. But your business doesn’t stop—and neither should your equipment. That’s why our finance solutions are built to be flexible, fast, and farmer-focused.

Let’s dive into how we can help you keep your farm running smoothly—with machinery that works as hard as you do.

What Can You Finance?

Good question. Farmers are financing more than just tractors these days. From cutting-edge tech to essential everyday kit, we help you spread the cost of just about anything you need to keep operations flowing.

Here are some of the most popular types of farm machinery and equipment we finance:

• Tractors – New or used, we help fund every size and make.

• Combines – Need a new harvester? We’ve got flexible options for these big investments.

• Balers – Whether it’s round, square, or variable-chamber, we can help.

• Ploughs & tillage equipment – Time to improve your soil work? Finance can help make it happen.

• Spreaders & sprayers – Boost your yield without a big upfront hit.

• ATVs & utility vehicles – Perfect for getting around the farm quickly.

• Livestock handling systems – Finance handling crushes, gates, and feeding systems.

• Grain stores & silos – Need to upgrade your storage? We can help spread the cost.

And if it’s not on the list—don’t worry. If it’s farm-related and it makes your business better, there’s a good chance we can finance it.

Supporting New Limited Companies

Starting a new limited company in the farming world can feel like a mountain to climb. The costs are high. The returns are slow. And when it comes to finance, lenders don’t always see the full picture.

But we do.

At First Oak Capital, we work with a wide network of specialist lenders who are open to new businesses, even those with little to no trading history. That means we can often secure machinery finance for brand-new limited companies, where high street banks say no.

So if you’re just starting out—or branching off from a family business—you don’t have to wait years to get the gear you need. Talk to us early. We’ll walk you through your options and help give your business the best possible start.

If you’re navigating your early days as a new business, resources like the National Farmers’ Union can provide support on farming regulation, sustainability, and business planning.

Why Finance Farm Machinery?

Farm machinery isn’t cheap. But not having it can cost even more.

Here’s why more farmers than ever are using finance:

• Preserve cashflow – Keep working capital for day-to-day operations.

• Plan ahead – Budget with predictable monthly payments.

• Stay competitive – Access the latest equipment without a huge lump sum.

• Reduce downtime – Replace broken or worn-out kit quickly.

• Boost productivity – Get more done in less time, with less effort.

When you finance machinery, you’re not just buying equipment—you’re investing in the future of your farm.

Finance for Every Type of Farm – Including New Limited Companies

We work with farmers from all walks of life—whether you run a well-established operation or you’re just starting out.

From large-scale arable farms to small family-run livestock holdings, we understand the different challenges each farm faces. That’s why we tailor our finance to suit your business model, size, and growth stage.

We regularly support:

• Arable farms

• Livestock farms

• Mixed-use farms

• Organic growers

• Horticulture and fruit producers

• Agricultural contractors

• Diversified rural businesses

And here’s the best bit—you don’t need decades of trading history to qualify.

If you’ve recently launched a new limited company, don’t let your short track record hold you back. Unlike traditional banks, our network of specialist farm finance lenders often says “yes” where others say “no.” They understand the unique nature of agriculture and are open to supporting businesses that are new, growing, or in transition.

So, whether you’re branching out on your own, restructuring the family farm, or starting fresh in a new company, we can help you access the machinery you need—without the usual barriers.

At First Oak Capital, we back the doers. And if that’s you, we’d love to support your next step.

A Personalised Approach That Puts You First

Farming isn’t a nine-to-five. It’s a way of life. That’s why we don’t treat your finance like just another loan.

From the moment you get in touch, we take the time to understand your business, your plans, and your challenges. Whether you’re expanding your herd, changing your crop rotation, or diversifying into something new—we listen.

Then we build your finance around you.

We keep things simple. No jargon. No pressure. Just honest, helpful advice from people who genuinely care about helping farmers grow.

In fact, nothing makes us happier than seeing a customer’s machinery arrive and knowing we helped make it happen. Because we don’t just value your business—we value you.

Why Choose First Oak Capital for Farm Machinery Finance?

We understand farming. More than that, we understand finance. And when those two meet, you need a specialist—not just a lender. That’s where we come in.

We don’t do one-size-fits-all deals. Instead, we match every business with tailored options from our specialist panel of farm finance lenders. Because we know no two farms are the same, and your finance shouldn’t be either.

Here’s what makes us different:

• Speedy turnaround – We know time is money. We act fast so you can get back to the field.

• Expert advice – We don’t just pass on applications. We guide you every step of the way.

• Personal approach – You’ll work with real people who really care. No call centres, no bots.

• Specialist lenders – We have access to lenders who understand agriculture and aren’t afraid of muddy boots.

And because we’re truly independent, our only goal is getting the right deal for you.

What You Can Expect Working With Us

✅ A quick call to understand your business and goals
✅ Clear, honest feedback on what’s possible
✅ An expert who handles the heavy lifting
✅ A well-matched lender and a smooth process
✅ Support from start to finish (and beyond)

You’ll never be just a number. We treat every client like we’re part of your team.

Ready to borrow smarter?

Click here to apply now or speak to one of our friendly brokers today.