Release Capital from Farm Machinery
Unlock working capital from machinery and equipment without stopping the farm from operating.
Many farming businesses hold significant value in machinery. Tractors, telehandlers, trailers and specialist equipment are essential to operations, but they can also represent capital that is effectively locked inside the business. When cashflow becomes tight or an opportunity needs funding, this value may be part of the solution.
This type of funding can be particularly relevant for asset-rich farms where accounts do not fully reflect the current strength of the operation. It can also help businesses that need to act quickly, because the asset provides a clear basis for assessment.
Alchemy Farming Finance looks at machinery in a practical way. We consider the age, condition, market value and importance of the asset to the business. We also look at the reason for funding and how the structure will help the farm move forward.
When this can be useful:
- Working capital pressure
- Input cost increases
- Unexpected repairs
- Seasonal gaps
- Funding a project
- Restructuring short-term pressure
Key benefits:
- Capital released without selling machinery
- Continued use of essential equipment
- Practical route where standard lenders may say “no”
- Can be quicker than traditional applications
- Supports farms that are asset-rich but cashflow-tight
What information may be needed:
- Asset details
- ID
- Bank statements & utility bills
- Business accounts
- Photos or valuations where relevant
- Reason for funding
- Business background
- Preferred timescale
Arable Farm Machinery Refinance, Lincolnshire
A Lincolnshire arable farm needed working capital to cover rising input costs ahead of crop income. By refinancing selected machinery, the business released £120,000 while keeping equipment in use. The funding protected supplier payments, preserved reserves and supported seasonal operations.