Customised financing for your unique business needs
Practical support to help your business grow
In-depth knowledge to streamline the financing process
Are you wanting to purchase new or used assets for business but not sure what kind of financing you need?
From farm machinery and livestock to IT and computing systems, AG credit can help. Our experienced and knowledgeable team can facilitate finance for vehicles and equipment across the agriculture, construction, haulage, forestry, renewables and corporate sectors.
Get your essential guide to finance in 2024
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Mini Finance Guide
Tailored asset solutions
We can provide customised financing solutions on a wide range of assets. We offer seasonal payments, VAT deferrals, minimal deposits, balloon payments and terms of up to 96 months.
Choice of financing
We are here to help you to navigate the diverse range of financing choices, including Hire Purchase, Lease, Farm Loans, and Contract Hire.
Industry specific expertise
Whether you’re involved in agricultural production, managing livestock, or operating in haulage and commercial vehicle services, we have the expertise to address your unique financial needs.
“Always a top service from Luke and the gang. Professional and efficient”
Expert credit brokers
Specialised agriculture lending
Haulage and commercial vehicle expertise
Practical and flexible
Proactive support
Authorised and regulated by the Financial Conduct Authority
Frequently Asked Questions
Am I eligible for funding?
To apply for finance, you need to be sole trader, partnership, limited company, or private individual with an income (salary or pension) based in the UK. Over the age of 18.
What are the different types of financing available?
A range of finance facilities are available from our funders. Including, Hire Purchase, Lease, Operating Lease, Farm Loan and Refinance in the form of Sale & HP back. Download our mini finance guide for a more detailed explanation of each type of finance facility in section three.
How long does it take to get a decision?
Depending on the nature and size of the deal, some prime lenders will auto approve finance applications instantly after the proposal is submitted. While some sub-prime lenders can take up to 3 days to approve.
What if I have been refused in the past?
It’s still worth having a conversation with one of the team to see whether you are eligible to apply for finance. We have access to a wide range of lenders and some alternative lenders are more willing to look at ‘storybook’ deals.
What information will I need to provide?
We’ll need your full name, trading name, business address, full names and addresses of partners within the company. In addition, information about the asset, including the equipment being purchased and who the supplier is. Depending on specific details of the deal, you may need to provide bank statements and accounts.
What can be financed?
We can fund most assets, be it a traditional ‘hard’ asset such as machinery, tractors, forklifts and vans, to ‘soft’ assets such as IT software, office supplies, and furniture. We’re able to finance assets in almost any industry, not just the ones we’ve mentioned so whatever asset you are looking to purchase to move your business forward just contact us and we’ll be happy to help.
Will I have to put down a deposit?
Usually yes, but depending on individual circumstances, deals can be approved with no deposit.
Do you offer seasonal payments?
Yes. Many businesses have different peaks of income throughout the year as well as quieter periods. We tailor all finance agreements to each individual company needs. You can pay more when you have the income and less during your quieter periods. Some examples of this are: VAT deferrals, balloon payments, terms of up to 96 months.
Can I fund the VAT on my purchase?
Yes. Many lenders will offer VAT deferrals for up to 3 months. Some lenders will also spread the cost of the VAT over agreement.
What is the minimum & maximum amounts I can borrow?
We offer finance from £1,000 upwards.
In which countries do you provide finance.
We provide finance across the whole of the United Kingdom.
Agricultural lending for Rural and Farm Businesses
Our specialist Agricultural Credit Broker, Luke is available to talk you through your options on:
T:07896 315 651
Haulage and Commercial Vehicle Lending
Speak to our specialist Haulage and Commercial Vehicle Credit Broker, Bridie today on:
T:07498 238 672
AG Credit trading as Agricultural and Groundscare Credit Limited is authorised and regulated by the Financial Conduct Authority FRN 677980. We are an independent asset finance brokerage not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with financial advice. Agricultural and Groundscare Credit Limited may receive payment(s) or other benefit from the finance provider if you decide to enter into an agreement with them.