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Slurry Store Finance

Compare finance for a slurry store from £15,000 to £300,000. As a structure fixed to the land, this is usually funded by a secured loan or agricultural mortgage rather than standard equipment finance.

Can you finance a slurry store?

Yes, slurry stores 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 £15,000 to £300,000, and most deals are written over 24-84 months with a deposit of around 15-25%. Decisions typically take several weeks. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£15k – £300k

Approval Speed

Several weeks

Timescale depends on existing farm borrowing and security

Rates From

5.5% APR

What would a slurry store cost per month?

£70,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical slurry store price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 7.0% APR
Term
24-84 months
Deposit
15-25%
Ownership
Yours at the end
Best for
Only realistic for a genuinely demountable above-ground steel tank installed without permanent foundations, which is not the case for most working slurry stores

Secured Business Loan

Rate
From 7.5% APR
Term
3-10 years
Deposit
Varies with security offered
Ownership
Fixed monthly repayments
Best for
A common route for slurry storage expansion required to meet current storage capacity rules or an environmental permit condition

Commercial or Agricultural Mortgage

Rate
From 5.5% APR (variable/tracker options available)
Term
5-25 years
Deposit
Typically 20-35% or existing land equity
Ownership
Long-term secured borrowing
Best for
The most usual route for a slatted store or a large concrete or lined store fixed to the land

Representative example

On a purchase price of £70,000: a 10% deposit of £7,000, then 48 monthly payments of £1,477 at 5.9% APR representative (fixed). Total amount payable £77,896, 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
Earth-Banked Lagoon with Liner Priced per cubic metre of capacity, generally the lowest-cost option before groundworks (specification class, price not independently verified) Earth-Banked Lagoon
Above-Ground Steel Slurry Tank Priced per cubic metre of capacity (specification class, price not independently verified) Steel Slurry Tank
Shuttered Concrete Slurry Store Priced per cubic metre of capacity, generally higher than an equivalent steel tank (specification class, price not independently verified) Concrete Slurry Store
Slatted Store with Steel or Concrete Tank Below £60,000 - £300,000 (specification class, price not independently verified) Slatted Store with Below-Slat Tank

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Tax benefits

A slurry store fixed to the land, whether an earth-banked lagoon, a shuttered concrete tank or a slatted store built on foundations, is generally treated as part of the farm's fixed infrastructure for capital allowances purposes rather than as moveable plant, in the same way as a cattle shed or a grain store built into a permanent structure. An above-ground steel tank that is genuinely freestanding and could be dismantled sits closer to the grey area that applies to bolted steel silos, though in practice most slurry tanks are installed with a permanent base and are treated as structures. Because slurry storage is often built or expanded to meet a specific regulatory requirement, it is worth asking your accountant whether any environmental or agricultural-specific allowance applies to your project in addition to the general structures and buildings treatment, rather than assuming a general plant and machinery claim is available.

Market context

Slurry store construction and expansion is typically driven by the Farming Rules for Water, Nitrate Vulnerable Zone storage capacity requirements, or a condition attached to an environmental permit, alongside herd or livestock expansion that increases the volume of slurry produced on the farm. Above-ground steel tanks are more commonly moved or resold second-hand than poured concrete stores, since a steel tank can in principle be dismantled and re-erected elsewhere, though this remains a fairly niche market compared with farm machinery. Store capacity is generally specified against herd size and the minimum storage period required by current regulation, with many farms building in headroom for planned herd growth rather than sizing the store to exactly meet today's minimum requirement.

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 slurry store financed as equipment or as a building project?
In most cases, as a building project. A slurry store fixed to the land through foundations or groundworks, whether an earth-banked lagoon, a concrete tank or a slatted store, is not moveable plant, so standard equipment finance products like hire purchase are generally not the right fit. Most slurry storage projects are financed through a secured business loan or an agricultural mortgage instead, reflecting the fact that the store is a permanent piece of farm infrastructure rather than a piece of machinery.
Does slurry storage expansion need to meet a minimum capacity requirement?
Storage capacity requirements are set through regulation covering Nitrate Vulnerable Zones and the wider Farming Rules for Water, and the specific figure that applies to your farm depends on your livestock numbers, existing storage and location. This is a regulatory question to confirm with your agronomist, the Environment Agency or your local authority rather than something a finance guide can state for your specific farm, but lenders funding a slurry storage project will usually expect to see that the design meets the applicable requirement before approving borrowing.
What type of slurry store is cheapest to build?
An earth-banked lagoon with a liner is generally the lowest-cost option per cubic metre of storage, since it avoids the cost of a poured concrete or steel tank structure, though it needs suitable ground conditions and enough available land. An above-ground steel tank is typically less expensive than an equivalent shuttered concrete store, but each option has different maintenance, lifespan and planning considerations that your agricultural engineer should assess against your specific site rather than choosing on cost alone.
Can I finance a slurry store alongside a new cattle shed on the same agreement?
It is possible to combine a slurry store and a cattle shed within the same secured loan or agricultural mortgage application, since both are typically funded the same way and a lender assessing a wider farm building project will usually want to see the full picture regardless. Whether it makes sense to combine them into a single facility or keep them separate depends on your farm's overall finances and how the projects are timed, which is worth discussing with a broker experienced in agricultural property finance.
How long does it take to arrange finance for a slurry store?
Because slurry stores are usually funded through a secured loan or agricultural mortgage rather than standard equipment finance, timescales typically run to several weeks rather than the 24 to 48 hours common for machinery finance. Where the project is being built to meet a specific regulatory deadline, it is worth starting the finance conversation as early as possible given these longer timescales.

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