Spread the cost of a compact tractor from £9,000 to £40,000+ with flexible finance options. HP, lease, or refinance
Yes, compact tractors 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 £9,000 to £40,000, and most deals are written over 24–72 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
£9k – £40k
Approval Speed
24–48 hours
Same-day for < £25k
Rates From
5.0% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical compact tractor price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £20,000: a 10% deposit of £2,000, then 48 monthly payments of £422 at 5.9% APR representative (fixed). Total amount payable £22,256, including the deposit. The rate you are offered depends on your business and the asset.
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 |
|---|---|---|
| Used compact tractor (Kubota L-series or equivalent) | From £8,950 + VAT | Used compact tractor |
| New entry-level compact tractor (Kubota BX/B series, yard and grounds use) | £10,073 – £20,000 ex VAT | New compact tractor, entry |
| Narrow glasshouse and nursery tractor (Iseki TM series or equivalent) | £20,000 – £35,000 | Narrow glasshouse tractor |
| Premium compact tractor (Kubota L/M series, higher-spec) | £20,000 – £38,520 ex VAT | New compact tractor, premium |
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For UK limited companies with 3+ months’ trading and monthly revenue.
Compact tractors qualify for the Annual Investment Allowance, letting you deduct the full cost from taxable profits in year one, up to £1,000,000. HP agreements allow capital allowances to be claimed in the normal way, and lease payments are fully deductible from farming or horticultural profits.
Compact tractors are bought by plant nurseries, market gardens, glasshouse growers and smallholdings that need a smaller, more manoeuvrable machine than a standard field tractor, often specifically because it has to fit through a glasshouse doorway or between polytunnel bays where a full-size tractor simply will not go. Choosing the right width and turning circle for the site is as much a factor in the purchase as horsepower, which narrows the field of suitable models more than it does for standard agricultural tractors. As with full-size tractors, a compact tractor is usually the largest single machinery purchase a nursery or smallholding makes relative to its turnover, and finance is the standard route rather than paying from cash reserves needed for stock, compost and seasonal labour. Replacement is generally driven by hours run and rising maintenance costs on an ageing machine, and a strong domestic used market supports resale values well, giving growers a genuine option to buy a well-maintained used compact tractor rather than only new.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
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For UK limited companies with 3+ months’ trading and monthly revenue.
See how lenders treat horticulture & forestry assets
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.