Tractor and combine harvester working in a field

If you are you looking for asset finance, you have come to the right place and to a name you can trust.  H&H Asset Finance provides asset finance to support farming, rural and agricultural companies to improve, diversify and expand their businesses.  

Based in the North of England, our team understands the diverse financial needs of farming businesses so whether you are looking to purchase a new or used tractor, plough or baler, finance a land-based renewal energy product, erect a new livestock shed or simply need to raise cash by re-financing assets, our team are here to help.  For the stronger credits, we can arrange unsecured loans for a variety of purposes, for example to purchase cattle or to make farm improvements.

Other sectors we specialise in include: Forestry, Haulage, Plant Hire and Engineering.    

As mentioned above, as farms seek to become carbon neutral, we can provide finance for all your renewable energy requirements such as biomass boilers, wind turbines, solar panels, heat pumps and anaerobic digesters.  

We can also assist with farm diversification projects such as farm shops (including the counters, refrigeration, furniture etc), vending machines, glamping pods, ice cream parlours and microbreweries – the list is endless!

H&H Asset Finance works in partnership with the North’s leading finance specialists Mulberry Asset Finance who have developed strong and trusted relationships with the leading UK and European Finance Companies.  Together we can arrange a tailor-made financial package to suit your needs.

Whatever your asset finance requirement, talk to us in the first instance to arrange a chat either at your business premises, in the auction marts or at our office.


Frequently Asked Questions
What assets can be financed?
  Literally any asset you can think of, ranging from computers, CCTV, security cameras and drones right the way through to plant, machinery, vehicles and buildings. The list is endless!  

What are the benefits of Hire Purchase?  Spread the cost of your Investment over a fixed term, normally three to seven years, with full ownership at the end for a small option to purchase fee.

What are the benefits of Leasing? It gives the customer access to the assets they need in return for a regular monthly rental, avoiding the cost of commitment of ownership. The monthly rentals count as a monthly expense rather than owning an asset on your balance sheet. The rentals attract VAT.

What does Re-Finance mean? Unlocking the value of your owned assets to improve your cashflow. Funders will tend to lend you up to 80% of a forced sale value of the asset.

What types of finance are available for farmers?  Hire Purchase, Finance Lease, Unsecured Loans 

If I want to diversify, will you be able to help me?  Yes, we can assist with many diversification projects including glamping pods, ice cream parlours, microbreweries, farm shops and much more

How much can I borrow, at what rates and over what period?  Minimum advance tends to be £10,000 with no upper limit, depending on the financial strength of the business. Rates vary again depending on credit rating but are very competitive. Periods tend to range from two to seven years.  

Farming and Agricultural

Finance for machinery and equipment includes, but not limited to:

  • Tractors and Trailers
  • Balers and Foragers
  • Combine Harvesters, Drilling and Cultivation Equipment
  • Robotic Milking Parlours
  • Slurry Pits and Irrigation Equipment
  • Livestock Handling Systems

Renewable Energy

Finance for renewable equipment includes, but not limited to:

  • Biomass Boilers
  • Wind Turbines
  • Solar Panels
  • Heat Pumps
  • Anaerobic Digesters
  • Hydropower Projects

H&H Asset Finance is a trading name of H&H Insurance Brokers Ltd who are authorised and regulated by the Financial Conduct Authority. FCA Compliance Number 305809. Finance is available subject to status and credit rating. Mulberry Asset Finance is not a lender and operates as a Finance Brokerage.

For information on the services covered by H&H Asset Finance call 01228 406 290 or complete this enquiry form and we will get back to you shortly.

What our customers think

H andH insurance renewal
They looked at insurance providers and came up with a good deal for my farm

William - 06 July 2021

Good contact proffessional

06 July 2021

Very satisfactory service
I would gladly recommend them to other alpaca owners although, as I have not had to make a claim, I cannot make a comprehensive rating.

Peter - 06 July 2021

As usual with H&H,a no hastle deal! Everything explained at the start,on the rare occasions that I need to know more answers are prompt, and correct. An exçellent company to work with.

06 July 2021

Everything excellent
Everything excellent

Jim Campbell - 06 July 2021

Very user-friendly approach made it easy to purchase the policy. Significant cost saving compared with previous policy. Clearly, cannot comment at this stage about the way a claim might be dealt with. Hope we don’t need to make one!

William - 06 July 2021

Great to speak with a human being & very pleasant. Sorted in one short phone conversation.

Neil - 04 June 2021

Saved us money by finding a better quote with a different provider

David - 02 June 2021

Excellent service as ever, policies looked at in detail, update or upgraded, as it should be.

02 June 2021

Smooth renewal transaction

Mark - 02 June 2021

fantastic and very helpful

Allan - 02 June 2021

Dylan was spot on and advised us perfectly. He was a pleasure to deal with.

Peter - 09 May 2021

A successful zoom meeting was set up. Very knowledgable H & H adviser. Able to offer useful advice.

07 May 2021

Yes I would recommend them as they are very good. Word of mouth is so important and that is how we came to know of H+H and we would recommend them without any problem

Arwel - 07 May 2021

The contact between the Company and client is excellent. Queries are responded to very quickly.

Linda - 07 May 2021

Customer Focussed
Lee took the time to understand my needs and was very responsive to the questions I had, and worked out the best solution for my situation.

07 May 2021

Great service
always great to deal with. helpful, responsive, flexible.

07 May 2021

Politeness and efficient

Robin - 07 May 2021

First Class service, would highly recommend H & H Insurance Brokers for all property and vehicle insurance.

Janice - 06 April 2021

Excellent Service - very supportive and human
Reminded me about the renewal of my policy. Provided documentation and responded to questions quickly and fully.

Lily - 06 April 2021