Just like the weather, the financial forecast is increasingly unpredictable – and both can shape the daily decisions and long-term future of your plan. 

With rising input costs, ageing machinery, and seasonal cash flow pressures, many farms are finding it harder to make critical investments when they matter most. That’s where agricultural finance steps in – not just as a tool, but as a lifeline.

Tailored finance isn’t just about spreading the cost. It’s about building resilience, protecting your cash flow, and giving your farm the confidence to move forward. In this article, we explore the wide variety of farming equipment and assets you can finance through Peregrine, and how our flexible farm finance options are designed with your business in mind.

Farm Equipment You Can Finance

There’s a huge range of equipment that can be financed to support your farm’s productivity and growth. Whether you’re upgrading core machinery or investing in something more specialised, we’re here to help you get what you need – without tying up your working capital.

Tractor Finance

It’s probably not a surprise that our most common finance application is for a new tractor. After all, tractors are the backbone of most farms – working long hours in all conditions. But when repairs become routine and downtime starts eating into productivity, it might be time for a change. We finance both new and used tractors, with seasonal repayment plans that reflect your cash flow cycle. Whether you need to expand your fleet or replace ageing kit, we’ll help you keep moving.

Machinery for Planting and Crop Care

From ploughs and seed drills to sprayers, these are tools that make day-to-day operations run smoothly and efficiently. Financing allows you to invest in precision and productivity – especially important when margins are tight and timing is everything. Many farms are also exploring financing your farm inputs to manage costs more effectively across the season.

Harvesting Equipment

Reliable balers and forage wagons are vital during peak harvest times, especially for livestock farms producing silage or hay. Downtime during harvest can be costly – our finance solutions help you upgrade without delay.

Handling and Mobility Equipment

ATVs and telehandlers play a crucial role on many farms, from moving feed and supplies to managing livestock and fencing. We offer finance for a range of makes and models, suited to both day-to-day and heavy-duty work.

Precision Ag-Tech

Modern farms are increasingly turning to precision farming equipment to boost yields and reduce waste. GPS guidance systems, auto-steering kits, soil health sensors, and yield mapping tools can all be financed through Peregrine. It’s a practical way to stay at the forefront of technology without making a large upfront investment.

Livestock and Dairy Equipment

For livestock farms, we offer finance for milking parlours, feed mixers, handling systems, and livestock trailers. Whether you’re expanding your herd or upgrading ageing infrastructure, we can tailor the finance to match your growth.

Read our guide to livestock finance to see what else you can fund on your farm.

Diversification and Specialist Equipment

If you’re branching out into farm shops, on-site processing, or agri-tourism, we can help finance the tools you need. From cider presses and egg packing stations to pizza ovens and glamping pods, we’ve helped rural businesses finance a wide variety of equipment.

The Role of Finance in Modern Farming

Finance is the smarter way to invest in equipment without sacrificing your working capital. Instead of making large one-off payments, finance lets you spread the cost over time, giving you faster access to the machinery and tools you need to stay productive.

Key benefits of farm machinery finance include:

• Avoid large upfront costs that strain cash reserves
• Quicker upgrades to modern, efficient machinery
• Leaves capital free for unexpected needs – from feed price spikes to emergency repairs

It can also be used to manage day-to-day essentials, like agricultural finance for input costs, to take pressure off early-season spending.

At Peregrine, we understand that for many, farming isn’t just a business – it’s a legacy. Our goal is to help you secure that legacy with clear, supportive finance solutions.

Tailored Finance for Every Type of Farm

No two farms are the same and neither are their equipment needs. Peregrine specialises in finance solutions shaped around your operations, whether you’re running a third-generation dairy, a small but growing arable business, or a mixed farm exploring new revenue streams.

We work with:

• Dairy farms needing to upgrade essential infrastructure like milking parlours, pasteurisers, or automated feeding systems. 
• Livestock farms investing in calving pens, weighing equipment, or improved mobile handling kits to ensure efficiency and animal welfare.
• Arable farms upgrading to modern drills, low-drift sprayers, or seedbed cultivators to boost productivity and reduce input waste. 
• Diversified farms launching new ventures – from farm kitchens and cold stores to event spaces and farm-based holiday lets.

We understand the differences between farms and design our finance to match. Whatever your sector or scale, we’ll help you access the right equipment at the right time – on terms that work for you.

Why Farmers Trust Peregrine

With over 25 years of experience, Peregrine Finance is a trusted partner to farms across the UK. Our reputation is built on:

• Clear communication 
• Tailored packages with flexible terms
• Friendly, expert support from people who understand rural business

Whether it’s a tractor, telehandler, or a specialist bit of kit for a new diversification project, we’re here to make financing your next equipment upgrade simple and stress-free.

Looking to invest in new machinery or replace something that’s past its best? Let’s talk. We’ll help you find the right finance solution that works with your season, your budget, and your future.