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With HP, you select the equipment and supplier, and the lender checks affordability and suitability of the asset for hemp cultivation or processing. Typical amounts are often from £10,000 to £250,000 depending on equipment value, deposit and credit profile. Terms are commonly 36 to 84 months, with pricing often structured as fixed or part-fixed. A practical market expectation for SMEs is often around 6.0% to 14.0% p.a. equivalent, depending on the details of the deal. Once the application is complete, initial review is often within 24 to 72 hours, with full documentation potentially bringing this to around 1 to 3 weeks.

In a finance lease, the lender focuses on the asset’s value and your affordability, confirming the equipment specification and that it will be used for hemp production or related processing. Typical amounts are often £15,000 to £300,000, with terms commonly set between 24 and 72 months. Pricing is built into the rental structure and assumptions about residual value, with a practical SME expectation often discussed as roughly 6.0% to 15.0% p.a. equivalent. For a complete case, decision time is typically 2 to 5 working days, and funds may be released after final checks, often within 1 to 3 weeks in practice.

Sale and leaseback can be a useful route when capital is tied up in existing processing machinery, handling equipment, or vehicles. The lender will value the equipment and carry out condition and ownership checks, and affordability still applies for the lease rentals. Typical lending is often 50% to 85% of an independently assessed equipment value, with many SME deals landing around £20,000 to £250,000. Terms are typically 24 to 60 months, influenced by asset life and expected residual value. Overall cost of finance can sit around 7.0% to 15.0% p.a. equivalent in practical SME expectations. Because valuation and legal checks are involved, decision time often takes 1 to 2 weeks, with funds commonly following within 2 to 4 weeks.