Agricultural machinery hire purchase financing
Hassle free financing for farmers
Working in the field is a hard work. That’s why applying for financing shouldn’t be making your life harder.
Easy and fast: fill out our simple form and instantly receive your financing approval.
For everyone: private entrepreneurs and companies, starters and business looking to expand. Bad credit history, no credit history, immigrants, foreigners – you get a chance. We look at the client – not just the credit history.
Everything: hire purchase financing for used agricultural machinery up to 20 years old.
Everywhere: choose any agricultural machinery: tractor, harvester or loader from any dealer or seller from any EU country. We take care of the rest – check the machine, deliver and finance it.
No documents or business plans. Just simple form you need to fill in and instantly receive your financing approval.
Leave us a message or apply for financing now. Let’s grow together!
We are not an ordinary bank or leasing company. We are a different kind of financial company. We are a specialised lender. We understand farmers, as well as agricultural machinery – how it works, and how it breaks. We offer flexible hassle free hire purchase financing programs for new and used agricultural machinery for small farmers. It doesn't matter if you are just starting a business or already have experience and looking for growth opportunities. Companies founded by foreigners and immigrants - get our loan approval. Entrepreneurs with no credit history, bad credit history, good credit history, minimal income - we give everyone a chance for starting a business and contributing to economical growth. We focus on your business and the machinery you want to finance. No frustrating papers and business plans - just fast and hassle free financing. Let's grow together!
Why is ESKA Finance different from my leasing company?
We are not a credit broker or big leasing company with one approach to all clients. We are a specialised lender – we understand the challenges that stand before MSMEs and we understand the machinery we finance. We can tell the difference between a DAF truck and a MAN truck and definitely we know a difference between a rotary and conventional harvester.
Our staff will help you choose the machine you need. And we do cross border leasing for used machinery.
No one else can offer such service.
Is hire purchase suitable for everyone?
Yes, hire purchase is good for every form of business, for every industry and every machinery type. You can use hire purchase to finance used truck, vehicle, LCV, construction machinery or agricultural machinery.
How does ESKA Finance work?
ESKA Finance provides fast and hassle free lending to MSMEs: financial leasing, hire purchase, asset based loans. We are the first pan-European lending company offering cross border financing for micro and small businesses for used vehicles, trucks, agricultural and construction machinery. We offer financing for those who have no credit history, good credit history, bad credit history. We offer inclusive financing for foreigners / immigrants and refugees to help them integrate in EU and create a better future. We help starting entrepreneurs to take possession of their future. We offer hassle free financing solutions to everyone across EU. And we do it very fast!
What is hire purchase?
Hire purchase is a form of buying in instalments. Say you want to buy a tractor and you don’t have enough money to pay for it. The easiest and the fastest way to buy it – is hire purchase. It is faster than financial leasing as requires less efforts and you can get your truck or other machinery as fast as one day after signing the contract. You have to pay and advance payment and monthly payments until you fully repay the truck and the sale goes through.
I chose a vehicle, filed the application, signed the contract, but the dealer sold the vehicle in the meantime
This situation can happen, though it is very rare. Don’t worry, we have the biggest database of machinery and vehicles in EU and our managers will find you and alternative. But if we don’t find anything – we will return the downpayment in full amount.
How soon can I drive my car?
It depends on where you choose to buy it and where is your country of registration. You will receive a credit decision within 15 minutes. If the car is in the same country as you are – you will get it within 3 working days maximum (5 days if we are talking about trucks and machinery).
If you choose the vehicle or machinery from another country it depends on the transport speed and availability, it can take from a couple of days to a week or two.
I want to buy a car from a friend. Do you provide loans for cars not purchased from a dealer?
Yes, we offer such an opportunity.
Who can be a supplier in a leasing deal?
The supplier is a legal or natural person who, in accordance with a sales contract with the lessor, sells the property that is the subject of the leasing. For example, this could be a car dealer from whom you plan to buy, a transport company or just a private person.
Can I pay off my loan or leasing early?
Yes! There are no penalties for early repayment.
What is the payment schedule?
It will depend on the terms of your leasing contract. We offer individual terms taking into account your business situation. Usually, these are equal and regular payments throughout the entire term of the leasing contract.
Can I extend the leasing term for a car?
Yes, you can. We will prolong your contract on the same terms.
Do I need to show proof of income?
No. We also do not require any other documents regarding your solvency. We are lenient towards existing loans and other financial obligations.
Can I get leasing from you if I already have loans from banks or other leasing companies?
Yes, we are lenient towards any other financial obligations, including loans, and are ready to finance you.
What is the maximum leasing term?
The maximum leasing term is 60 months. We want to make things as convenient as possible for you, as the longer the term, the lower the payment. This will make it almost imperceptible and super convenient for you.
Can I buy used machinery or a car in Germany and get a loan in Slovakia?
Yes. You can choose machinery or a car from Germany or any other country, and we will finance it and deliver it to Slovakia or any other EU country. Cross border financing is our speciality.
Are used machinery and vehicles financed on the same terms as new ones?
We offer individual terms for leasing new and used machinery and vehicles.
Any machinery or vehicles that are up to 15 years old can be financed on comfortable terms for you.
What are the criteria for used machinery and vehicles?
Leasing of used machinery and vehicles is carried out under the condition that the age of the transport does not exceed 15 years at the time of signing the contract. No other company in the EU will offer you such conditions, but we offer and finance it.
Is leasing available for individuals?
Yes! We finance legal and natural persons, micro-, small, and medium-sized businesses. So if you need a car on lease, we will definitely find the best option for you.
In which countries do you operate?
ESKA Finance is a financial company with 15 years of experience and operates in almost all countries of the European Union. We offer leasing and financing solutions to small businesses in Austria, Belgium, Spain, Italy, the Netherlands, Germany, Poland, Portugal, Romania, Slovakia, Slovenia, Hungary, France, Croatia, and the Czech Republic.
What documents are required?
To apply for financing with ESKA Finance, you will need to provide a passport and/or an extract from the trade register.
Hire purchase financing for agricultural machinery. There are many advantages to financing agricultural equipment with hire purchase. With our hire purchase programs for financing agricultural machinery your farm business will grow faster. Buying agricultural machinery requires a lot of free cash. For most farmers investing in farm equipment is a hard decision between the available funds and necessary machinery. At ESKA Finance we support small farmers with hassle free and easy financial products such as hire purchase of agricultural machinery. If you are looking to buy new or used agricultural machinery we will offer you best financing options. We finance new and used farm equipment including tractors, sprayers, drones, balers and harvesters. Our managers will help you find farm machinery in any EU country and finance it to you. Hire purchase is an easiest way to finance your farm machinery for many reasons. First – it can take one business day from the moment of a loan application to the moment you get your agricultural machinery delivered to your farm. We guarantee simple and fast loans to small farmers. Second – with hire purchase we offer fixed monthly payments that will fit to your budget. You will know the exact size of your monthly payment for the whole financing period. Third – with hire purchase of agricultural machinery you can choose to repay the machinery with seasonal schedule – that means you can repay the loan in the month when your business is generating the most revenue. Traditionally for farmers those are usually autumn months and December. Hire purchase is the simple form for farm asset finance. We offer repayment terms up to 5 years for Hire Purchase of farm machinery and deposit starting from 10%.
Hire Purchase is the fastest way to finance agricultural equipment. Choose the farm equipment you want to buy, agree with the dealer on the price and sign the Hire Purchase agreement with ESKA Finance. Once you make all the repayments you become the owner of the machinery by paying a symbolic option to purchase fee, which is usually around 100 Euro. Hire Purchase doesn’t utilise your credit lines with banks or leasing companies. It doesn’t effect your ability to receive grant programs or subsidies from the EU for farmers. We offer individual financing terms for small farmers. You can choose the seasonal repayment schedule to meet your business cycle. Interest rate and monthly payments are fixed for the whole term of the agreement. You can easily plan your budget. With hire purchase you can plan your agricultural business and grow it.