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Fencing Equipment Finance

Spread the cost of fencing equipment from £4,000 to £30,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a fencing equipment?

Yes, fencing equipments 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 £4,000 to £30,000, and most deals are written over 12–48 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£4k – £30k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

5.0% APR

What would a fencing equipment cost per month?

£12,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical fencing equipment price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.4% APR
Term
12–48 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Farms and fencing contractors wanting to own the equipment outright

Finance Lease

Rate
From 5.0% APR
Term
12–48 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, suits lower-value, steady-wear equipment

Operating Lease

Rate
From 5.8% APR
Term
24–36 months
Deposit
None required
Ownership
Return at end
Best for
Fencing contractors wanting reliable kit without a large upfront cost

Representative example

On a purchase price of £12,000: a 10% deposit of £1,200, then 48 monthly payments of £253 at 5.9% APR representative (fixed). Total amount payable £13,344, 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
Tractor-Mounted Post Knocker £4,000 – £8,000 Hydraulic Post Driver
Trailed Fencing Rig with Post Driver and Auger £10,000 – £16,000 Trailed Fencing Equipment
Stock Fencing Package (Posts, Wire, Gates) £12,000 – £20,000 Permanent Stock Fencing Materials and Tools
Self-Propelled Fencing and Post-Knocking Unit £20,000 – £30,000 Dedicated Fencing Machine

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Tax benefits

Fencing equipment qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one, up to £1,000,000. HP gives access to capital allowances; lease payments are fully deductible from farming or contracting profits.

Market context

Fencing equipment is bought both by livestock farms maintaining their own boundaries and by dedicated fencing contractors working across multiple farms, particularly around stewardship scheme deadlines where new stock fencing is often a funded requirement. Post drivers and augers see steady mechanical wear rather than the sharp seasonal peaks typical of harvest machinery, since fencing work is generally spread across drier periods of the year rather than confined to a single narrow window, and replacement is usually driven by hydraulic and structural condition. The used market for tractor-mounted and trailed fencing equipment from established UK manufacturers is steady, with parts widely available.

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

Can I finance a used post knocker or fencing rig?
Yes. Most lenders finance used fencing equipment up to around 10 years old, subject to condition of the hydraulics and mast. Given the relatively simple mechanics involved, older well-maintained equipment is often still financeable, and a straightforward inspection of the mast, ram and mounting frame is usually enough for a lender to form a view rather than the more detailed engineering reports needed for higher-value powered machinery, which keeps the process quick even for an older rig.
Can fencing materials like posts and wire be included in the finance alongside the machinery?
Some lenders will include consumable materials as part of a wider fencing project facility, particularly for contractors setting up a complete fencing package, though this varies by lender and it's worth confirming scope upfront. Bundling materials with the machinery on one facility can suit a contractor pricing a large stewardship or estate fencing job as a single project, since it keeps the whole job's cost, equipment and materials together, on one repayment schedule rather than splitting the materials cost into separate invoicing.
Is finance available if I'm fencing under a stewardship or environmental scheme?
Yes. Fencing installed under a stewardship agreement is financed in the same way as any other fencing equipment, though it's worth timing the finance and installation to fit any grant claim deadlines your scheme requires. Because stewardship fencing work often needs to be completed and evidenced by a fixed date to trigger a scheme payment, agreeing the finance and delivery timeline with your supplier and lender well ahead of that deadline avoids the equipment arriving too late to complete the work on schedule.
Are seasonal repayment plans available for fencing equipment?
Yes, though fencing work tends to be spread more evenly across drier months than some harvest-linked equipment, so many farms and contractors choose standard monthly repayments, while a lender can still flex the profile around known busy periods if needed. A fencing contractor working across several farms through the year often prefers the predictability of a standard monthly payment, whereas a farm fencing only its own land around a specific stewardship deadline may prefer a profile timed to when that project income or grant payment actually arrives.
What deposit do I need for fencing equipment?
For hire purchase, most lenders ask for a 10-20% deposit, while finance leases and operating leases can often be arranged with no deposit at all. Given the relatively modest values involved in most fencing equipment purchases, some farms and contractors choose to pay outright rather than finance, but spreading the cost keeps capital free for materials and labour, particularly for a contractor running several fencing jobs at once across different farms.
What happens at the end of a fencing equipment finance agreement?
Hire purchase transfers full ownership of the equipment once the agreement is paid off, which suits a farm or contractor wanting to own it outright. 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, which suits a fencing contractor wanting reliable kit without a large upfront cost rather than owning the equipment long-term. Hydraulic and structural condition, more than a fixed age, tend to drive when fencing equipment is actually replaced.

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