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At Ripon Farm Services we understand finance for machinery is an integral part of your business. Our highly skilled team is on hand to advise on the best option to meet your needs. In addition to our in-house team, we also partner with John Deere Financial on their market leading equipment.
Don't miss out on our limited-time finance offers—designed to make upgrading easier and more affordable than ever. These exclusive deals are available right now, but only for a short time… so act fast before they’re gone!
Ownership is easier than you thought. You pay a deposit plus the whole VAT amount at the beginning. What is left to pay, plus interest and fees, is simply split into easy to manage payments – typically over 1-5 years. After you make the last payment, you own the machine. And because you own the machine, the hire purchase option allows you to claim capital allowances. Enjoy the privileges of ownership with a repayment structure that meets your needs now. It does not get more straightforward than this: fixed scheduled payments, no surprises, and you will own your machine by end of the contract period.
It’s an attractive leasing option with fixed repayments. Since VAT is payable on each lease payment rather than in full at the outset, this is an easy start. The finance lease starts with a primary lease period, typically 2-5 years – which covers the full cost of the equipment. At the end of it, you may request the equipment to be sold to a third party – the proceeds from the sale are yours to keep. Or you can opt for a secondary lease period, continue to use the equipment in exchange for prearranged annual fee. Start using your new machine quickly, with a low deposit and easily budgeted fixed payments. Finance lease requires low initial capital outlay and features fixed payments, fixed interest and no usage restrictions.
Think of this as your minimum commitment, low payments option. In an operating lease, you only pay for the use of the machine. That lowers your monthly payments. At the beginning, you pay an upfront rental fee, and your rental payments include VAT. At the end of the agreement you simply give the machine back to John Deere, subject to return conditions. Though you cannot claim capital allowances, you can offset the rental payments against taxable profits as a business expense.
The straightforward all-inclusive rental option with minimal commitment, lower monthly payments and a worry-free maintenance package. It combines all the advantages of an operating lease with comprehensive maintenance packages in one fixed price agreement. After an upfront rental fee, you enjoy lower fixed monthly payments, and return the machine at the end of the term of the agreement. You can offset the rental fees against taxable profits, since they are a business expense.
The John Deere Financial Revolving Credit Facility offers a financing solution for parts, services, and machine updates through Ripon Farm Services. Gain the financial flexibility for a successful season and invest in what you need - when you need it.
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John Deere and non-John Deere parts, accessories and components.
Repairs and services.
John Deere Precision Ag Technology
(The facility also offers longer-term financing options upto 12months with competitive interest rates. Contact your local Parts department for more information).
You can repay the full amount of any borrowing, including accured interest, at any time without additional fees or penalties. This provides flexibility to finance your purchases on longer terms and decide later if you want to repay early.
Your local Service department conducts the winter inspection of your 6R tractor. Since you haven't sold your harvest yet, you use your Revolving Credit Facility to finance the purchase over 12 months. After 4 months, you sell the harvest and repay the borrowed amount without fees or penalties, covering only the prinicipal and interest for those 4 months. You can now plan for a successful planting season and use your Revolving Credit Facility again.
Once your Revolving Credit Facility is set up, enjoy a wealth of information available anytime in your Customer Self-Service portal. You'll be able to:
Fast, Easy and Flexible
Submit your documents to John Deere Financial for a credit check. After approval, you'll receive an email to finalise your application and digitally sign your agreement, which is essential for setting up your Revolving Credit Facility.
After activation, contact us to select your products or services and use your Revolving Credit Facility for your purchase.
You will receive an email and SMS link to choose your financing terms and authorise payment.
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