Specialist

Irrigation Finance and Leasing

For buying and refinancing Irrigation Equipment

 

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Irrigation Finance & Leasing

Clifton private finance

We specialise in sourcing irrigation finance and leasing options in the UK

 
 
We provide high-quality Irrigation Finance and leasing solutions for UK clients.

We can deliver enhanced, bespoke or exclusive terms through our market knowledge.  
Call us on 0203 900 4322 to discuss your requirements.
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Irrigation Finance and Leasing - How It Works

What is Irrigation Finance and Leasing?

Irrigation Finance and Leasing is a type of asset finance that allows farmers and agricultural businesses to acquire irrigation equipment and machinery without paying the full upfront cost. Irrigation equipment and machinery are essential for many farming operations, as they help to control the amount and timing of water supply to crops, improve crop quality and yield, and reduce water wastage and environmental impact.

Irrigation Finance and Leasing can cover a range of irrigation assets, such as sprinklers, drip systems, pumps, pipes, valves, controllers, sensors, and software.

What types of finance are available for Irrigation Finance and Leasing?

Two main types of finance are available for Irrigation Finance and Leasing: hire purchase and leasing. Both options have advantages and disadvantages, depending on the farmer's or business's needs and preferences.

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Hire purchase

Hire purchase is a type of finance that allows the farmer or business to purchase the irrigation asset over a fixed period, usually between 12 and 60 months, by making regular monthly payments. The farmer or business pays a deposit upfront, typically 10% to 20% of the asset value, and then pays off the remaining balance, plus interest, over the agreed term. At the end of the term, the farmer or business owns the asset outright.

The benefits of hire purchase are:

The drawbacks of hire purchase are:

Leasing

Leasing is a type of finance that allows the farmer or business to use the irrigation asset for a fixed period, usually between 12 and 60 months, by making regular monthly payments. The farmer or company does not pay a deposit upfront and does not own the asset at any point. At the end of the term, the farmer or business can either return the asset to the lender or leasing company, extend the lease for another term, or purchase the asset at a pre-agreed price.

The benefits of leasing are:

The drawbacks of leasing are:

How Does it Work?

Obtaining Irrigation Finance and Leasing is similar for both hire purchase and leasing options. The farmer or business needs to:

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What are the Benefits of Irrigation Finance and Leasing?

Are There Any Drawbacks?

Whether it's hire purchase or leasing, irrigation finance can also have some drawbacks – here’s a brief overview:

FAQs

How much can I borrow for Irrigation Finance and Leasing?

The amount you can borrow for Irrigation Finance and Leasing depends on several factors, such as the type and value of the irrigation asset, your credit history and rating, your income and cash flow, and the lender’s criteria and policies. Generally, you can borrow up to 100% of the asset value or up to 90% if you opt for a hire purchase.

What are the interest rates and fees for Irrigation Finance and Leasing?

The interest rates and fees for Irrigation Finance and Leasing vary depending on the type of finance or lease option, the lender, the asset, and your credit profile. Typically, the interest rates range from 4% to 12% per annum, including arrangement fees, documentation fees, administration fees, and late payment fees.

How long does it take to get Irrigation Finance and Leasing?

The time it takes to get Irrigation Finance and Leasing depends on the complexity and urgency of your situation, the availability and responsiveness of the lender, and the speed and accuracy of your application. Generally, it can take a few days to a few weeks to complete the process and receive the irrigation asset.

How We Can Help

In need of Irrigation Finance and Leasing?

We can help you:

And when we’ve established the best type of finance for you, we will:

Call our team on 0203 900 4322 to discuss your requirements or book an appointment.

 

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Call us today to discuss your requirements on 0203 900 4322
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