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Hire purchase financing for Agricultural machinery

    used agricultural machinery hire purchase financing up to 20 years old

    available to everyone

    downpayment from 20%

Hassle free used Construction machinery hire purchase financing for everyone 

Easy and fast: fill out our simple form and instantly receive your financing approval.
For everyone: private entrepreneurs and companies, starters and businesses 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: we offer hire purchase for new and used Agricultural machinery up to 20 years old. 
Everywhere: choose any car from any dealer or seller from any EU country. We take care of the rest – technical and document check of the vehicle, delivery and financing. Leave us a message or apply for financing your car now. Let’s grow together

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How it works?

  • The application process is extremely fast, easy, and hassle-free. Forget frustrating paperwork that takes hours. Unlike banks, we value your time, only require minimal docs, and let our AI-driven algorithms do the magic.

  • Yes, you heard it right. It takes less than a minute for our highly-performing scoring system to evaluate your business’ potential.

  • Once the contract is ready, you can review it and sign online.

  • Not only can you order any vehicle from anywhere in the EU, but we also take care of the delivery and paperwork for you. Sit back and wait for your new vehicle to arrive in under 5 days.

  • Focus on the things that matter and take your business to the next level.

Financing opportunity

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You get a chance

starting business, no credit history, bad credit history - you get a chance

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15 minutes

for a credit decision

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Down payment 20%

without additional security

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You start in 5 days

we deliver your machine within 5 days

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Used machinery financing

relating to age and number of kilometres driven, motor hours

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Selection and delivery

of vehicles and machinery across the EU

Our promise

Welcome to ESKA Finance. Here the loans are simple and you are understood.

We are not another bank or leasing company focused only on numbers and formalities.
We are a direct, specialised lender. We understand machinery - how it works and how it breaks. We understand your needs. We know that for small entrepreneurs access to finance means opportunity.
But if you are just starting a business, if you have no credit history or your financial results don't look good or if you are a migrant trying to start a new life in a new place - access to a loan can be impossible to get.
At ESKA Finance we help solving this problem by looking at all aspects of your story and not just numbers.
We finance entrepreneurs from all EU member states.
Our managers are always on your side - from helping you find the best used machine to financing and delivering.
Get your financing today with just a few clicks! It's easy and fast.

15 minutes

5 days

Hassle free

Friendly and accessible

Better profits

Independent technical check

With us, you don't have to fill out a bunch of forms and applications — we focus on small and micro-entrepreneurs, which is why we offer the fastest service. You can sign the contract with us online, without leaving your home.

Used machinery financing made easy

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Find your dream machinery

You can find your ideal machine on our web site or ask our manager to help you

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Fit to your budget

Our monthly payments are transparent - you can find the right machinery with the right monthly payment

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Fully online

Receive your financing proposal, credit decision and sign your contract online

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Check

We help you with technical check, document check and organise the delivery of your machinery

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Fast start

Within 5 days we finance and deliver your machine ready for business

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Your future is in your hands

Start earning income with your machine tomorrow

Why ESKA Finance


    • ESKA FINANCE

    • COMPETITORS

    • BANKS



    • ESKA FINANCE

    • ESKA FINANCE

    • COMPETITORS

    • COMPETITORS

    • BANKS

    • BANKS

    • Credit decision time

    • 15 minutes

    • 2 to 14 days

    • 14 to 60 days


    • Credit decision time

    • ESKA FINANCE

    • 15 minutes

    • COMPETITORS

    • 2 to 14 days

    • BANKS

    • 14 to 60 days

    • Official income verification

    • No

    • Yes/No

    • Yes


    • Official income verification

    • ESKA FINANCE

    • No

    • COMPETITORS

    • Yes/No

    • BANKS

    • Yes

    • Machinery age limit

    • up to 20 years

    • up to 5 years

    • up to 3-5 years


    • Machinery age limit

    • ESKA FINANCE

    • up to 20 years

    • COMPETITORS

    • up to 5 years

    • BANKS

    • up to 3-5 years

    • Early repayment without penalties

    • Yes

    • No

    • No


    • Early repayment without penalties

    • ESKA FINANCE

    • Yes

    • COMPETITORS

    • No

    • BANKS

    • No

    • Machinery location

    • All EU

    • Local country

    • Local country


    • Machinery location

    • ESKA FINANCE

    • All EU

    • COMPETITORS

    • Local country

    • BANKS

    • Local country

    • Machinery delivery time

    • Up to 5 working days after down payment

    • Up to 2 weeks after down payment

    • Up to 3 weeks after down payment


    • Machinery delivery time

    • ESKA FINANCE

    • Up to 5 working days after down payment

    • COMPETITORS

    • Up to 2 weeks after down payment

    • BANKS

    • Up to 3 weeks after down payment

FREQUENTLY ASKED QUESTIONS

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  • 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.

  • 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.

  • 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.

  • 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.

  • Yes, we are lenient towards any other financial obligations, and are ready to finance you.

  • 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.

  • 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!

  • 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.

  • Yes! There are no penalties for early repayment.

  • To apply for financing with ESKA Finance, you will need to provide a passport and/or an extract from the trade register.

  • 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.

  • 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.

  • 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.

  • Yes, we offer such an opportunity.

  • 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.

  • Anyone. We offer financial leasing on used and new vehicles, trucks, construction and agricultural machinery to every entrepreneur in EU. Starter, experienced entrepreneur, family business, business set up by immigrants – we create a financial solution for everyone. We can help you find a perfect machinery or you can find it yourself – we will offer you a perfect leasing payment that will allow your business to grow

  • First – we work with our own funds. Second – we understand the machinery we finance. Third – we do cross border financing for MSMEs (we can finance a tractor from France to a farmer from Poland). Fourth – our credit decision process takes 15 minutes. Fifth – we finance used trucks and machinery up to 20 years old. We can give you a dozen more reasons why ESKA Finance is better in financing used machinery than your big bank, call us.

  • 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.

  • Yes, you can. We will prolong your contract on the same terms.

  • No. We also do not require any other documents regarding your solvency. We are lenient towards existing loans and other financial obligations.

Partners

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Hire purchase financing for agricultural machinery is one of the most effective ways for farmers to acquire new or used farm equipment without straining their cash flow. With ESKA Finance you can easily buy the agricultural machinery you need and spread the cost over time with predictable, fixed monthly or seasonal payments.

We specialize in hire purchase programs for agricultural machinery across the EU, helping farmers grow their businesses faster with simple and affordable financing solutions.

Why Choose Hire Purchase for Agricultural Machinery?

Purchasing farm equipment such as tractors, sprayers, drones, balers or harvesters often requires significant capital. For many farmers, this becomes a difficult decision — balancing available funds with the necessity of upgrading equipment.

Hire Purchase (HP) provides a perfect alternative: you can buy the machinery you need today and pay for it gradually, without large upfront costs.

Key advantages of hire purchase for agricultural equipment:
• Fast approval and funding — agricultural machinery can be delivered to your farm as fast as within one business day after signing the HP agreement.
• Fixed monthly payments — predictable instalments that fit your budget throughout the term of the agreement.
• Seasonal repayment schedules — pay more during months when your farm generates the highest income (typically autumn and December), and reduce payments during low-income periods.
• No impact on your bank loans — HP does not use your credit lines with banks or leasing companies.
• Eligibility for EU subsidies and grants — hire purchase does not affect your ability to receive agricultural subsidies or EU support programs.

Finance New and Used Agricultural Machinery Across the EU

At ESKA Finance we offer hire purchase financing for all types of agricultural machinery, both new and used:
• Tractors
• Sprayers
• Harvesters
• Balers
• Seeders
• Agricultural drones
• And all other farm equipment

Our managers will help you find the best farm machinery in any EU country, verify the equipment, and finance it through an HP agreement tailored to your business.

Flexible Terms for All Types of Farms

We work with small and medium-sized farmers, providing individual financing conditions to support your agricultural operations. Our offer includes:
• Repayment terms up to 5 years
• Deposit starting from 20%
• Fixed interest rate for the entire term
• Option to own the equipment at the end for a symbolic purchase fee (typically around €100)

Once all instalments are paid, you become the full owner of the agricultural machinery.

Simple, Fast and Transparent Farm Equipment Financing

With ESKA Finance the process is quick and straightforward:
1. Choose the agricultural machinery you want to buy
2. Agree the price with the dealer
3. Sign the Hire Purchase agreement
4. Receive your equipment within 1–3 days
5. Make predictable monthly or seasonal payments
6. Become the owner after the final instalment

We guarantee fast decisions, clear terms, and no hidden conditions.

Grow Your Farm Business With ESKA Finance

Hire purchase is one of the simplest and most efficient ways to finance agricultural machinery. It allows you to plan your budget, invest in better equipment, and increase productivity without risking your cash flow.

Whether you are a small farmer or managing a larger operation, our hire purchase programs will help you grow your business and modernize your farm machinery efficiently.

Finance your agricultural equipment today with ESKA Finance — and build a stronger, more productive farm for the future.