Grain Dryer Finance

Spread the cost of grain dryers from £40,000 to £350,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a grain dryer?

Yes, grain dryers 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 £40,000 to £350,000, and most deals are written over 24–84 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

Typical Cost

£40k – £350k

Approval Speed

24–48 hours

Harvest-linked payment profiles available

Rates From

4.6% APR

What would a grain dryer cost per month?

Grain Dryer price (ex VAT) £130,000

Deposit 10%

Agreement term 60 months

Annual interest rate 9%

Balloon payment £0

Your estimate

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

Pre-filled with a typical grain dryer price. Indicative only, not a quote.

Finance options

Hire Purchase (HP)

Rate: From 5.0% APR
Term: 24–84 months
Deposit: 10–20%
Ownership: Yours at the end
Best for: Arable farms and grain merchants wanting to own the dryer outright

Finance Lease

Rate: From 4.6% APR
Term: 24–72 months
Deposit: None required
Ownership: Return or buy (balloon payment)
Best for: Tax-efficient, spreads a large capital investment across several harvests

Operating Lease

Rate: From 5.4% APR
Term: 36–72 months
Deposit: None required
Ownership: Return at end
Best for: Larger arable businesses wanting to fund a dryer as part of a wider grain store project

Representative example

On a purchase price of £130,000: a 10% deposit of £13,000, then 48 monthly payments of £2,742 at 5.9% APR representative (fixed). Total amount payable £144,616, 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
5–10 Tonne/Hour Mobile Batch Dryer	£40,000 – £75,000	Mobile Batch Grain Dryer
15–25 Tonne/Hour Continuous-Flow Dryer	£90,000 – £160,000	Static Continuous-Flow Grain Dryer
30–50 Tonne/Hour Continuous-Flow Dryer	£180,000 – £280,000	High-Capacity Continuous-Flow Grain Dryer
60+ Tonne/Hour Continuous-Flow Dryer with Handling	£280,000 – £350,000	Large-Scale Grain Store Dryer Installation

Tax benefits

Grain dryers qualify 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 profits. Fixed dryer installations may also qualify for structures and buildings allowance where the underlying building work is separately identified.

Market context

Grain dryers are usually bought by arable farms and grain stores that need to bring cereals down to a safe storage moisture level straight off the combine, so the right capacity depends heavily on harvest logistics rather than farm size alone, a farm combining quickly over a short window may need more drying throughput than a larger farm with a slower harvest. Because a dryer is typically installed as a fixed part of the grain store rather than moved between sites, replacement decisions tend to follow burner efficiency, fuel type, and changing throughput needs as much as mechanical wear, and continuous-flow dryers from established UK manufacturers are widely serviced and supported.

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.

Frequently asked questions

Can grain dryer finance cover installation as well as the dryer itself?

Yes. Because a dryer is usually installed as a fixed unit alongside handling augers, elevators, and ducting, many lenders will finance the whole installation as one facility rather than just the dryer unit, which reflects how the project is actually delivered on site.

Can I finance a used grain dryer?

Yes, though used dryers are less commonly financed than new ones given they're usually sold as part of a whole grain store when a farm changes its storage setup. Where a used dryer is available, lenders will typically want details of burner condition, fuel type, and throughput rating before approving finance.

Are repayments structured around harvest income for a grain dryer?

Yes. Because a dryer's cost is recovered through grain sales that often follow several months after harvest, agricultural lenders commonly structure hire purchase or lease repayments annually, timed after the main grain marketing period rather than as a flat monthly amount.

How does drying capacity affect what I should finance?

Capacity should be sized to your combine's harvesting rate and typical intake moisture rather than simply matched to farm acreage, since under-sizing a dryer creates a bottleneck at harvest. It's worth working through expected tonnes per hour with your grain store supplier before finalising the finance amount.