finance
AFFORDABLE FINANCE SOLUTIONS FROM OUR FINANCE PARTNERS
In agriculture every day is different. Challenging weather conditions, unstable commodity prices and changing regulations dominate the daily business of all agri businesses. In this environment the use of efficient and high-tech machinery is essential. Emyr Evans fully understands the needs of today’s agri businesses and strives to make the use of modern agricultural machinery not only a thinkable but a realistic and affordable option. With a well-established and experienced sales team, Emyr Evans is fully aware of the bespoke nature of agri businesses thereby delivering highly flexible financing options to suit all cash-flow types.
FINANCE SOLUTIONS
Emyr Evans offers a comprehensive choice of retail finance providers and options, specifically tailored for you. In today’s marketplace, financing and lease options are as much a part of the purchase decision as the features and benefits of the equipment itself. We will help you obtain the equipment that has the power, efficiency and technology you require at a payment you can afford, allowing you the opportunity to gain use and ownership of the best possible agricultural equipment.
WHAT RETAIL FINANCE OPTIONS DO WE OFFER?
We do not and cannot operate as your agent, however, we can introduce you to a limited number of lenders who may be able to finance your purchase. For all new Massey Ferguson and Fendt equipment we will introduce you to AGCO Finance Ltd. For new JCB equipment we will introduce you to JCB Finance Ltd. For all new McHale and Pottinger products we will introduce you to De Lage Landen Finance.
We can also offer finance options for all of our used tractors and machinery that we have advertised on our website. AGCO Finance and JCB Finance offer competitive finance to suit your business needs, however they will not be able to finance older tractors and machinery. But don’t worry, for these deals we can advise you a number of local finance brokers that can tailor a finance deal to suit you.
HOW DOES FINANCE WORK?
There are a number of different types of asset finance contracts, some will suit your business better than others. Below are the three types of asset finance available through Emyr Evans:
HIRE PURCHASE
Hire Purchase (HP) agreements involve you paying a deposit and fixed instalments for the agreed term, after which the asset is yours. Instalments are arranged to suit your cash flow, e.g. monthly, quarterly, annually and if you have an asset to part exchange, you very rarely don’t need a cash deposit. The full VAT is payable up front unless stated otherwise.
FINANCE LEASE
Very similar to Hire Purchase, but the VAT is paid on the instalments rather than in full up front. The customer does not automatically own the asset at the end of the agreement.
CONTRACT HIRE
The lender buys the asset and hires it to the customer for a fixed monthly/annual instalment. Again the instalments can be tailored to suit your cash flow. This allows you to access machines you need without taking out a loan or using up valuable capital. There are mileage/hour restrictions on these kind of agreements. At the end of the term you just return the machine tothe lender.
FINANCE COMPANIES
For more information about finance options, offers and terms & conditions, visit the lenders website’s below:
FINANCE DISCLOSURE NOTICE