Digger Finance

Specialist finance covers funding for assets and sectors that sit outside mainstream lending - agricultural machinery, construction plant, commercial vehicle fleets, equestrian property, farm diversification and similar. Lenders in this space understand the asset and the industry, not just a credit score.

New and used agricultural machinery, tractors, diggers and excavators, HGVs and trucks, vans and fleet vehicles, farm equipment, livestock facilities, equestrian buildings and land - essentially any identifiable income-producing or business-critical asset.

Most commonly as hire purchase (you own the asset at the end) or finance lease (lender retains title and leases to you). Refinance and sale-and-leaseback options are also available to release capital from assets you already own.

Typical deposits are 10-20% of asset value. Terms run from 2 to 7 years depending on the asset's useful life and your preferred cash flow. Balloon payments can be structured in where helpful.

Yes - specialist lenders routinely fund new-entrant farmers, newly-incorporated transport operators and first-time business asset buyers. Strong industry experience, a viable business plan and a reasonable deposit typically carry more weight than company trading history.