4.00pm - Wednesday 4th November 2026 8,449

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With the farming side ticking along and the muck spreading done, this episode is a bit different, a proper finance special. Tom Perkins from Charles and Dean comes down to talk through two big projects landing this month, battery storage to take the sting out of a runaway electricity bill, and a major upgrade to the grain hospital.

We open up the numbers in a way most farms never would. Our electricity across this site alone is now topping £200,000 a year, up from around £100,000 five years ago, a lot of it in standing and capacity charges we simply cannot avoid. So rather than paying that out like rent to the grid, we explain the plan to install a 750 kilowatt battery system and expand our solar, how it could pay for itself in just a couple of years, and why financing it rather than draining the overdraft makes sense. We get into the honest detail of how asset finance, retrospective funding and the government growth guarantee scheme actually work, and how to avoid the trap of borrowing your way out of trouble.

We also look over the £320,000 grain hospital upgrade and the new colour sorter on its way from Denmark, and get ready to take the trailer to the LAMMA show in January. From a runaway energy bill to the real mechanics of farm finance, this is another look behind the scenes of a modern farming business.

For those interested in our new merchandise: https://pxfarms.myshopify.com/

Chapters:
0:00 Intro
0:15 Two big projects, and a £200,000 energy bill
3:04 Inside the battery and solar setup
4:54 Where to put the money this year
5:35 How asset finance can stretch further
6:53 Restructuring debt to relieve cash flow
9:39 Why batteries feel like a no brainer
11:14 A look at the inverters and batteries
12:38 The colour sorter, grants and paying first
13:40 How retrospective finance works
16:01 Funding the install, not just the hardware
16:53 The growth guarantee scheme explained
20:15 The £320,000 grain hospital upgrade
23:00 Financing it without a second charge
25:08 Unsecured lending, and getting a quick decision
27:11 What's happening across farming right now
29:30 Getting ready for LAMMA, and Christmas

P.X. Farms is proudly supported by:
Attara - https://attara.co
Hectare - https://www.wearehectare.com
Spaldings - https://spaldings.co.uk
Agrii - https://www.agrii.co.uk
Anglia Farmers - https://af.farm
Charles and Dean - https://www.charlesanddean.com/px-farms
Everywhen - https://www.everywhen.co.uk
Syngenta - https://www.syngenta.co.uk
Fendt - https://www.fendt.com/uk/
RTKFNet - https://www.rtkf.net
Chavereys - https://chavereys.co.uk
Horsch - https://www.horsch.com/en/home
Lodi - https://www.lodi-uk.com
S&A Buildings - https://www.s-and-a.co.uk

All views expressed in this video are our own and do not reflect those of our sponsors.

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