Agricultural Finance offers funding to UK-based farming and agribusinesses for machinery, equipment, livestock, or land improvement. Designed for limited companies and commercial farms, this finance helps support modernisation, growth, and productivity improvements in a seasonal industry.
Agricultural Finance is available to registered UK agribusinesses with a stable income and a trading history of at least 12 months. Seasonal revenue patterns are taken into account, and financial viability must be demonstrated through records or forecasts.
You can typically borrow between £10,000 and £750,000 depending on your farm size, asset value, and repayment ability. Funding for specialised agricultural assets or projects may qualify for higher amounts.
Initial decisions are often made within a week. More complex applications (e.g., involving land or infrastructure) may take longer. Funds are generally released within 5 to 10 working days after approval.
It can be used for tractors, combines, irrigation systems, livestock purchases, barns, or renewable installations like solar. Some lenders also support seasonal cash flow lending or subsidies bridging.
Rates typically range from 4.5% to 11%, depending on term length and asset type. Terms are flexible, often 1 to 10 years, and may include seasonal repayment structures aligned with harvest cycles.
Complete our quick online form with a few details about your business and what you need funding for. No commitment, no jargon.
A dedicated finance expert will get in touch to understand your needs and tailor options that work for your business.
We’ll match you with trusted lenders from our panel, offering competitive rates and flexible terms suited to your sector.
Review your finance offers with full transparency. We’ll guide you through the details so you can make a confident decision.
Once approved, your funds are released quickly — often within 24–48 hours — so you can get back to growing your business.
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Yes. Many lenders allow bundling of livestock and machinery into a single agreement, improving efficiency and budgeting.
Yes, provided the investment enhances productivity or sustainability (e.g., fencing, drainage, solar panels, or greenhouses).
Early repayment is usually permitted, often with minimal fees. Some agreements offer interest savings if repaid early.
Absolutely. Lenders fund a variety of agricultural methods, including organic, regenerative, and high-tech farming models.
Many lenders provide flexible repayment schedules—such as quarterly or annual payments—matched to your farm’s income cycle.
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"Agricultural finance provides farmers and agribusinesses with tailored funding solutions to invest in machinery, livestock, or land improvements. By matching repayment terms to seasonal cash flow, agricultural finance enables sustainable growth and helps manage the financial pressures of modern farming."
