Can you finance a mower conditioner?

Yes, mower conditioners 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 £12,000 to £60,000, and most deals are written over 12–60 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

Mower Conditioner Finance: Compare Rates from 200+ Lenders

Typical Cost

£12k – £60k

Approval Speed

24–48 hours

Seasonal payment profiles available

Rates From

4.5% APR

What would a mower conditioner cost per month?

Mower Conditioner price (ex VAT) £28,000

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 mower conditioner price. Indicative only, not a quote.

Finance options

Hire Purchase (HP)

Rate: From 4.9% APR
Term: 12–60 months
Deposit: 10–20%
Ownership: Yours at the end
Best for: Livestock and dairy farms wanting to own the mower outright

Finance Lease

Rate: From 4.5% APR
Term: 12–60 months
Deposit: None required
Ownership: Return or buy (balloon payment)
Best for: Tax-efficient, mower conditioners hold value well between silage cuts

Operating Lease

Rate: From 5.2% APR
Term: 24–48 months
Deposit: None required
Ownership: Return at end
Best for: Contractors running a triple mower combination who need reliability across a short cutting window

Representative example

On a purchase price of £28,000: a 10% deposit of £2,800, then 48 monthly payments of £591 at 5.9% APR representative (fixed). Total amount payable £31,168, 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
Kuhn FC 313	£12,000 – £18,000	Rear-Mounted Mower Conditioner
Krone EasyCut F 320 CV	£20,000 – £30,000	Front-Mounted Mower Conditioner
Claas Disco 3100 C	£25,000 – £35,000	Rear-Mounted Mower Conditioner
Kuhn FC 3125 TLD Triple Combination	£40,000 – £60,000	Triple Mower Conditioner Combination

Tax benefits

Mower conditioners 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.

Market context

Mower conditioners are bought by dairy, beef, and sheep farms running a multi-cut silage or hay system, plus contractors mowing for several clients within the same tight weather window each cut. Because grass quality drops quickly once it's ready to cut, many operations prioritise a wide, reliable combination such as a triple mower over a single rear-mounted unit as herd size or contracting workload grows, and disc and knife wear from stony ground tends to drive replacement more than calendar age. The used market for mower conditioners from the established manufacturers is steady, supported by parts and blade availability through most main dealers.

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 I finance a used mower conditioner?

Yes, most lenders will finance a used mower conditioner up to around 10 years old, subject to the condition of the disc bed, conditioning rollers or tines, and the drivetrain. Because a mower takes a lot of abuse from stones, uneven ground, and fast-moving cutting components, a dealer inspection is worthwhile before you commit to an older machine, and some lenders will ask for one as standard once a mower passes a certain age. Buying from a dealer with a documented service history, rather than a private sale, usually makes the application straightforward.

Is a triple mower combination financed differently to a single mower?

No, the finance structure is exactly the same, whether that's hire purchase, a finance lease, or an operating lease. What changes is the numbers involved, since a triple combination costs several times more than a single rear-mounted mower, so it's typically financed by larger dairy units or contractors over a slightly longer term to keep the monthly or seasonal payment manageable. Lenders will also want to see that your cutting workload and herd size, or your contracting book, genuinely supports the extra width and output before approving a triple rig.

Are seasonal payments available given grass is only cut a few times a year?

Yes, many agricultural lenders will structure hire purchase or lease payments annually or seasonally rather than as a flat monthly amount, because multi-cut silage income is concentrated around each cut and the milk or livestock sales that follow it. This matches repayments to when the money actually arrives on the farm rather than forcing a steady monthly outgoing through months with little income. It's worth raising this at application stage rather than after the agreement starts, since not every lender offers seasonal structuring as standard and terms vary between them.

Can I finance a mower conditioner alongside a rake and baler as one deal?

Yes, many lenders are happy to finance a mower conditioner, a rake, and a baler together as one facility rather than three separate agreements. This is common where a farm or contractor is putting together a complete silage-making set at the same time, and it can simplify the paperwork considerably compared with running multiple finance agreements with different start and renewal dates. The combined facility is usually assessed on the total order value, so it helps to have supplier quotes for all three items ready before you apply.

What deposit do I need for a mower conditioner?

For hire purchase, most lenders ask for a deposit of 10 to 20% of the mower's price, while finance leases and operating leases are usually arranged with no deposit at all. A larger deposit than the minimum will reduce your seasonal or monthly payments and can help with approval if you're a newer farming business, but plenty of established livestock and dairy operations choose to put down the minimum and keep working capital free for feed, fuel, and other running costs through the season.

Can a mower conditioner be part-exchanged or sold while still on finance?

Yes, but the outstanding finance needs to be settled first since the lender retains an interest in the mower until the final payment is made. In practice, if you're trading up to a wider or newer combination through a dealer, the settlement figure is usually rolled into the new finance agreement, so you're not left funding a gap between the trade-in value and what's still owed. It's worth getting a settlement figure from your existing lender before agreeing a trade-in price, since it can move during the season as payments are made.

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Mower Conditioner Finance