Lendus.

Feed Barge Finance

Spread the cost of a feed barge from £80,000 to £900,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a feed barge?

Yes, feed barges 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 £80,000 to £900,000, and most deals are written over 36–84 months with a deposit of around 10–20%. Decisions typically take 1–3 weeks. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£80k – £900k

Approval Speed

1–3 weeks

Depends on site licence and mooring review

Rates From

4.5% APR

What would a feed barge cost per month?

£300,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical feed barge price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 4.9% APR
Term
36–84 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Operators wanting to own the barge outright

Finance Lease

Rate
From 4.5% APR
Term
36–84 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
48–72 months
Deposit
None required
Ownership
Return at end
Best for
Access the latest feeding and monitoring technology

Representative example

On a purchase price of £300,000: a 10% deposit of £30,000, then 48 monthly payments of £6,329 at 5.9% APR representative (fixed). Total amount payable £333,792, 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
Small Feed Barge (150-250 tonne storage class) £80,000 – £200,000 Small Feed Barge
Mid-Scale Feed Barge (250-500 tonne storage class) £200,000 – £450,000 Mid-Scale Feed Barge
Large Feed Barge (500-850 tonne storage class) £450,000 – £750,000 Large Feed Barge
Concrete-Hull Feed Barge (long-life, large site class) £600,000 – £900,000 Concrete-Hull Feed Barge

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Tax benefits

A feed barge is a floating vessel, moored rather than fixed to the seabed or to any building, so it is generally treated as moveable plant for capital allowances purposes and can qualify for the Annual Investment Allowance (AIA), letting an operator deduct the full cost from taxable profits in the year of purchase, up to £1,000,000, subject to the normal AIA rules. HP gives access to capital allowances directly; lease payments are normally deductible from profits. This differs from equipment fixed into a building, where allowances treatment is often more complicated, an accountant should still confirm the correct treatment for a specific installation.

Market context

Feed barges are bought by finfish farms operating under a site licence and seabed lease or mooring agreement from the relevant marine and environmental authorities, and store and automatically distribute feed to cages, a barge's storage capacity is sized to a site's stocking level and feeding regime rather than chosen independently. Because a feed barge is a major capital item relative to most other equipment on a fish farm, most are financed rather than bought outright, and the barge is often the single largest asset at a site after the cages and nets themselves. Because a barge sits in open water continuously, hull, mooring and mechanical components are exposed to a more corrosive and physically demanding environment than land-based equipment, and working life is generally shorter as a result, with replacement driven mainly by hull and structural condition rather than a fixed age. Concrete-hulled barges are increasingly used where a longer working life is wanted, as an alternative to a traditional steel hull.

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

Does my site licence affect the finance I can get?
It can. A lender assessing a feed barge application will often ask about a site's licence and stocking level, since this determines the storage and feeding capacity the barge needs to provide. A stable, long-held licence and a clear stocking plan generally strengthen the investment case for a barge of this scale. A lender will generally want sight of the relevant licence or contract early in the process, so having it ready alongside your accounts helps keep the application moving quickly.
Is a steel or concrete hull financed differently?
No, both are financed in the same way, hire purchase, finance lease or operating lease, though a concrete-hulled barge typically costs more upfront and is chosen where an operator wants a longer working life and reduced corrosion maintenance compared with a steel hull. The finance structure is the same; it is the barge specification and price that differ. It's worth raising your specific circumstances with a broker when you apply, since lenders active in this sector can vary in how they treat the details of an individual case.
What deposit do I need?
For hire purchase, most lenders ask for a 10-20% deposit. Finance leases and operating leases often require no deposit, which matters given the scale of investment a feed barge represents. A larger deposit reduces the monthly payment significantly given the size of this asset class. A larger deposit is worth considering if you would rather keep monthly payments as low as possible, though most buyers in this sector choose a smaller deposit to preserve working capital.
How long does feed barge finance take to arrange?
Given the scale of investment, most feed barge finance takes one to three weeks to arrange, since a lender will want to review the site licence, mooring agreement and build or supply contract in detail before confirming terms. Starting the finance conversation alongside the barge order, rather than after it, helps keep delivery and financing timelines aligned. Having your last set of accounts and a recent bank statement ready before applying is the easiest way to avoid the process taking longer than it needs to.

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