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Agri contractors · Ireland
Agri contractor
business loans.
Contracting is a different game from farming: heavy machinery spend, and income that bunches into a few busy months while the bills run all year. We help Irish agri contractors compare machinery finance, working capital and term loans through specialist lenders.
Machinery & equipment finance
Spread the cost of the heavy machinery that earns your living, rather than paying for it all upfront.
- Hire purchase or leasing for suitable new or used machinery
- Tractors, harvesters, balers, mowers, loaders and trailers
- Slurry tankers, diet feeders, drills and specialist kit
- A supplier quote helps us compare the options
- Eligibility and repayment terms depend on the machinery and your business history
Working capital for the busy season
Smooth out seasonal cash flow — costs like diesel, wages, insurance and repairs don't wait for customers to pay.
- Unsecured term loans from €5,000 to €500,000
- From 12 months trading with one year’s accounts
- Annual turnover of €100,000 or more and a net profit
- No recent missed payments on bank statements
- Cover fuel, wages and running costs while you wait for farm customers to settle up
Loans for growth
For established contractors adding capacity, taking on more ground or hiring extra crews.
- Term loans with fixed monthly repayments
- Limited company, Sole trader, Partnership accounts can all work
- Fund deposits on bigger machines, yard improvements or taking on extra help
- In some cases, loans secured on machinery you already own can work — assessed case by case
Finance is subject to lender assessment. Unsecured term loans are not registered against property or business assets, but some lenders ask directors for a personal guarantee. Machinery-secured loans are assessed case by case.
Why contractors come to us
Big machines, bunched income
An agri contractor's costs are front-loaded and relentless: the machinery has to be bought, fuelled, insured and maintained whether it's working or not, while most of the year's income arrives in a few intense windows. That mismatch is the single biggest finance challenge in the sector.
Machinery finance spreads the cost of tractors, harvesters and balers over their working life, while a working capital facility keeps the business running between seasons. For established contractors, term loans can fund growth — and in some cases a loan secured on machinery you already own can work.
Farming rather than contracting? Our farm business loans page covers term loans and asset finance for farms. Otherwise, our asset finance page explains how machinery finance works.
Guides for your industry
16 October 2026
How to Secure Equipment Finance in Ireland: A Guide
Table of Contents How to Secure Equipment Finance in Ireland: Step-by-Step What You'll Need Before You Apply Types of Equipment Finance Available Equipment Finance Application Requirements Documents Lenders Typically Ask
Read guide →
20 October 2026
Business Loan With Seasonal Cash Flow: A Practical Guide
How seasonal Irish businesses can borrow well: loan types that suit uneven income, building a cash flow forecast lenders trust, and repayments that match your trading year.
Read guide →
21 April 2026
Working Capital Finance as Costs Rise for Irish SMEs
How Irish SMEs can manage rising costs and cash-flow gaps: compare working capital finance, understand interest-rate risk and check repayments before borrowing.
Read guide →
Common questions
Can I finance a tractor, harvester or baler?
Yes — machinery finance through hire purchase or leasing is the most common option for contractors, letting you spread the cost of new or used kit over its working life. A supplier quote helps us compare the options, and eligibility depends on the machinery and your business history.
My income is seasonal — can I still get a loan?
Lenders who understand agri contracting know the pattern: a busy silage and harvest season, then quieter months. A working capital or term loan can cover diesel, wages, insurance and repairs while you wait for farm customers to pay. Lenders look at your full year's accounts rather than any single month.
I'm a sole trader, not a limited company — does that matter?
No. Limited company, Sole trader, Partnership accounts can all work. What matters more is at least 12 months trading, turnover of €100,000 or more, a net profit and clean recent bank statements.
Free to you. Lenders pay us a commission when your loan completes. How we get paid