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.