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Automatic Scraper Finance

Spread the cost of an automatic scraper system from £8,000 to £60,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a automatic scraper?

Yes, automatic scrapers are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £8,000 to £60,000, and most deals are written over 24–72 months with a deposit of around 10–20%. Decisions typically take 3–5 working days. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£8k – £60k

Approval Speed

3–5 working days

Seasonal payments available

Rates From

4.5% APR

What would a automatic scraper cost per month?

£22,000
10%
60 months
9%
£0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical automatic scraper price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 4.9% APR
Term
24–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Dairy and livestock units wanting to own the system outright

Finance Lease

Rate
From 4.5% APR
Term
24–72 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 5.2% APR
Term
36–60 months
Deposit
None required
Ownership
Return at end
Best for
Keep scraper technology current without capital outlay

Representative example

On a purchase price of £22,000: a 10% deposit of £2,200, then 48 monthly payments of £464 at 5.9% APR representative (fixed). Total amount payable £24,472, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification Guide price Type
Cable-Tow Automatic Scraper System (single building class) £8,000 – £18,000 Cable-Tow Scraper
Hydraulic Automatic Scraper System (single building class) £15,000 – £30,000 Hydraulic Scraper
Robotic Automatic Scraper (battery-powered, single building class) £20,000 – £40,000 Robotic Scraper
Multi-Building Automatic Scraper Installation (estate-scale class) £35,000 – £60,000 Multi-Building System

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Tax benefits

Automatic scraper systems generally qualify for the Annual Investment Allowance (AIA), letting a farmer deduct the full cost from taxable profits in the year of purchase, up to £1,000,000, subject to the normal AIA rules. Cable-tow and hydraulic systems fitted into an existing building's floor channels are usually treated as plant rather than as part of the building itself, since the mechanism can be removed and replaced independently of the structure, an accountant should confirm the correct treatment where a scraper is installed as part of a new building. HP gives access to capital allowances directly; lease payments are normally deductible from farming profits.

Market context

Automatic scraper systems are bought mainly by dairy and beef units housing livestock over winter or year-round, where removing slurry from passageways mechanically reduces daily manual labour and keeps housed animals cleaner. A scraper is usually specified to match a building's existing floor channels and passage layout, so replacement equipment is chosen to fit the building rather than the other way round, and a scraper is commonly installed alongside wider slurry handling equipment such as a separator or additional storage. Farm income is seasonal, so finance for housing equipment is often timed around the start of the housed period or linked to milk or livestock sales rather than spread evenly across the year. Replacement is generally driven by chain, cable or hydraulic wear and by the reliability of the control system rather than a fixed age.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

Is a scraper financed alongside slurry storage or separation equipment?
It can be. Because a scraper moves slurry into the wider handling system, many farms finance the scraper alongside a slurry separator or additional storage as part of a single housing upgrade, though a like-for-like scraper replacement in an existing system can also be financed on its own. Bundling the scraper with related storage or separation equipment onto one agreement is common where a farm is upgrading the whole housing set-up in one project, since it gives a single facility and repayment date rather than several running in parallel across different pieces of kit.
What deposit do I need for a scraper system?
For hire purchase, most lenders ask for a 10-20% deposit. Finance leases and operating leases often require no deposit, which helps where a scraper needs replacing quickly ahead of the housed period and cash is tied up elsewhere on the farm. A larger deposit reduces the monthly payment across a multi-building installation, and where a scraper is being financed as part of a wider housing upgrade alongside storage or separation equipment, the deposit is usually calculated against the whole project rather than the scraper alone.
Are seasonal payment plans available for a scraper system?
Yes. Agricultural lenders commonly offer payment profiles aligned to farming income, timed around the start of the housed period or linked to milk or livestock sale dates rather than an even monthly spread. This suits a scraper system well, since the equipment is at its most heavily used through the winter housed period and lighter, or not needed at all, once stock are turned out. A lender familiar with dairy and beef cashflow can usually structure repayments to fit your specific herd's calving and turnout pattern rather than a generic seasonal template.
Can I finance a multi-building installation in stages?
Yes. Many lenders offer package finance for a multi-building scraper installation, with funds drawn down as each building is completed, which suits an estate-scale upgrade carried out building by building rather than all at once. This avoids paying interest on the full facility before every building is finished and lets a farm phase the capital works around calving groups or building availability. Agreeing the staged drawdown structure with the lender before work starts, rather than partway through, keeps the schedule clear for both sides as each building comes online.
Can I finance a used scraper system?
Yes, though the used market for scraper systems is narrower than for mobile machinery, since a cable-tow or hydraulic scraper is fitted to a specific building's floor channels and is often sold as part of a building being repurposed or a farm exiting livestock. Lenders will want to see the age and condition of the chain, cable or hydraulic ram and control system, and an independent inspection is usually required. A used scraper is generally only straightforward to finance where it matches your own building's existing channel layout without significant modification.
What happens at the end of a scraper finance agreement?
Hire purchase transfers full ownership of the scraper system once the agreement is paid off, which suits most farms since the equipment is fitted permanently into the building's floor channels. A finance lease usually offers a balloon payment to take ownership, continued rental, or handover to the funder, while an operating lease is return-only. Because a scraper is built into a specific building rather than a standalone machine, hire purchase or a finance lease with a purchase option is the more common choice than an operating lease for this type of equipment.

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