Agriculture Business Loans UK – Fast Finance for Farms and Rural Businesses

Farming moves in seasons — finance should too. Whether you’re managing input costs ahead of harvest, upgrading a milking parlour, purchasing a tractor, diversifying into a farm shop or glamping, or bridging cash flow while grants and contract payments arrive, UK Business Loans connects you quickly with experienced UK lenders and brokers who understand agriculture.

Our service is free for UK businesses and there’s no obligation to proceed. Share a few details and we’ll match you with suitable partners who can provide quotes by phone or email.

What is an Agriculture Business Loan?

An agriculture business loan is finance tailored for farms, rural enterprises and agri‑food businesses. Facilities can be unsecured or secured, short or long term, and used for working capital, livestock, machinery and vehicles, buildings, land-related projects, renewable energy installations and diversification.

Typical use cases include:

• Seasonal working capital to purchase seed, feed, fertiliser or fuel
• Asset and equipment finance for tractors, combines, telehandlers and implements
• Livestock purchase finance for breeding or finishing stock
• Barns, sheds and agricultural building upgrades or conversions
• Diversification: farm shops, cafés, holiday lets, events and glamping
• Renewable projects: rooftop solar on barns, biomass, heat pumps
• Cash flow bridging while SFI or other scheme payments are due

Important: We don’t lend or give financial advice. We introduce UK businesses to brokers and lenders who provide funding directly.

Who We Help in UK Agriculture

We connect UK farms and rural businesses with lenders experienced across:

• Arable and cereal growers
• Dairy farms and creameries
• Beef and sheep enterprises
• Poultry and pig units
• Horticulture, glasshouses and market gardens
• Viticulture (vineyards) and orchards
• Forestry and contracting businesses
• Agri-supply, storage, haulage and food producers
• Rural diversification ventures (farm shops, cafés, holiday lets, events)

We support partnerships, limited companies and LLPs — from newly formed ventures to established farms.

Common Ways Farmers Use Finance

• Working capital: smooth seasonal swings, buy inputs early, cover labour and fuel
• Tractor and machinery finance: tractors, combines, drills, sprayers, loaders, milking systems, robotics and precision ag tech
• Vehicles and fleets: pickups, vans, HGVs and refrigerated vehicles
• Livestock: beef, dairy, sheep, pigs and poultry
• Buildings and infrastructure: barns, grain stores, cold rooms, yards, slurry handling, drainage and fencing
• Diversification: fit-out for farm shops and cafés, tourism and accommodation projects
• Renewables and energy efficiency: solar PV, biomass, battery storage, LED lighting, insulation and heat pumps
• Cash flow bridging: cover delays in retailer/processor payments, RPA/SFI or other scheme receipts

Types of Agriculture Finance We Can Connect You With

Working Capital and Seasonal Loans

• Unsecured and secured options
• Short to medium terms with monthly or seasonal profiles
• Use for inputs, labour, fuel and contingency

Asset and Equipment Finance (Hire Purchase, Lease, Refinance)

• Finance for tractors, combines, telehandlers, implements, milking parlours and robotics
• Potential to match repayments with seasonal cash flow
• Refinance existing machinery to release working capital

Vehicle Finance (Cars, Pickups, Vans, HGV)

• HP and lease options for farm, field and road fleets
• Suitable for mixed-use rural businesses (delivery, farm shop, events)

Livestock Finance

• Specialist lenders available for breeding and finishing
• Structured to reflect production cycles and sales

Invoice Finance and Trade Finance

• Release cash tied up in invoices to supermarkets, processors or wholesalers
• Flexible lines to grow throughput without straining cash flow

Merchant Cash Advance (For Diversification with Card Sales)

• For farm shops, cafés and visitor attractions
• Repay as a small percentage of future card takings

Commercial Mortgages and Bridging (Property and Land Projects)

• For agricultural buildings, conversions and certain land-related needs
• Bridging loans can provide short-term funding while you arrange long-term solutions

Sustainability and Renewables Finance

• Solar PV on barns, battery storage, biomass, EVs and energy efficiency
• Potential to reduce energy costs and carbon footprint

Important: Product suitability, terms and availability depend on your circumstances and lender policies. Credit is subject to status and affordability. Fees and charges may apply from lenders or brokers.

How UK Business Loans Works for Farmers

1. Complete a quick enquiry
   You’ll tell us your business name, time trading, funding amount, purpose and contact details. Takes around two minutes.
2. We match you with trusted lenders and brokers
   Partners are selected for agricultural expertise and your specific needs.
3. Get contacted quickly
   Expect a call or email, often within hours, to discuss options and request any documents.
4. Compare and choose
   Review quotes and terms. Proceed only if you’re happy. No obligation.

Privacy and fairness

• Your details are shared only with relevant, approved partners
• Enquiring with us will not affect your credit score; partners may conduct checks if you proceed

Eligibility – What Lenders Look For in Agriculture

• Time in business: newly formed and established farms considered
• Business structure: partnerships, limited companies and LLPs
• Credit profile: strong or imperfect credit considered; specialist options may exist
• Affordability: bank statements, accounts and cash flow forecasts help evidence repayments
• Security: may be secured against assets or property, depending on product and amount
• Sector experience: track record in farming or relevant diversification strengthens cases
• Purpose: clear use of funds (equipment, livestock, inputs, building works, renewables, cash flow)
• Region: England, Scotland, Wales and Northern Ireland covered by our partner network

Documents Checklist (Typical)

• Last 3–6 months’ business bank statements
• Latest filed accounts and/or management accounts
• ID and proof of address for owners/directors
• Asset quotes/invoices (for HP/lease/equipment finance)
• Details of livestock/stock to be purchased (if applicable)
• Existing finance statements (if refinancing)
• Business plan and cash flow forecast (helpful for newly formed ventures or larger projects)

Note: Requirements vary by lender and product. Your matched partner will confirm exactly what’s needed.

Costs, Interest and Repayments – What to Expect

Costs depend on:

• Loan type (secured vs unsecured, HP/lease vs loan)
• Amount and term
• Business performance, credit profile and assets
• Market conditions (e.g., base rate and sector risk)

Repayment options can include fixed monthly payments for predictability or seasonal/structured profiles to reflect farming cash flow. Potential early settlement options may be available — ask the lender about any fees. We don’t quote rates on this page because lenders price individually. Your matched broker/lender will provide clear, written terms before you decide. Always check total cost of credit, fees and any security implications.

Why Choose UK Business Loans for Farming Finance?

• Fast access: a short form connects you with relevant lenders, quickly
• Agriculture expertise: partners who understand seasonal cycles, commodity volatility and rural assets
• Free and no obligation: our service is free to UK businesses; you only proceed if the offer suits you
• Trusted partners: reputable UK brokers and lenders who treat customers fairly
• Secure: your information is handled with care and shared only with relevant partners
• Nationwide coverage: England, Scotland, Wales and Northern Ireland

Examples of How Funding Can Help (Illustrative)

Example 1 – Dairy farm cash flow
A dairy unit facing higher feed costs and a delayed payment schedule uses a short-term working capital facility with a seasonal repayment profile to bridge the gap until milk cheques stabilise.

Example 2 – Tractor and implement via HP
An arable farm upgrades to a newer tractor and drill using hire purchase. The repayments match the farm’s cash flow, maintaining liquidity for inputs.

Example 3 – Farm shop fit-out
A diversified farm uses equipment and fit-out finance to refurbish a shop and café, plus a working capital facility for initial stock. Card revenues later support a merchant cash advance during peak seasons.

These examples are for illustration only and are not guarantees of funding or terms. Credit is subject to status and affordability.

Agriculture Finance and Sustainability

Many farms are investing to cut energy costs and emissions:

• Solar PV on barns and battery storage
• Biomass or heat pumps for processing and space heating
• LED lighting, insulation and refrigeration upgrades
• Electric vehicles and on-site charging

We can connect you with lenders offering sustainability-focused finance alongside standard business loans and asset finance. You may also wish to explore available grants separately; your lender or broker can discuss how finance and grants can work together.

FAQs – Agriculture Business Loans

Is UK Business Loans a lender?

No. We’re an introducer. We connect you with UK brokers and lenders who provide the funding.

Does enquiring affect my credit score?

No. Submitting an enquiry with us doesn’t affect your score. If you proceed, partners may run credit checks.

How quickly can I get a response?

Often within hours of your enquiry. Funding timelines depend on product type and documents.

What amounts can I apply for?

From around £10,000 to £5 million+ depending on product and eligibility.

Can newly formed or newly diversified farms apply?

Yes. Some lenders support new ventures and diversification projects — business plans and projections help.

Do you support farms with imperfect credit?

Some lenders specialise in supporting businesses with less-than-perfect credit, subject to status and affordability.

What security is required?

It depends. Some loans are unsecured; others are secured against equipment, vehicles or property.

Can I align repayments with my farm’s seasons?

Many lenders can structure seasonal or deferred profiles where appropriate.

Can you finance tractors, combines and implements?

Yes — typically via asset finance (HP/lease) with agriculture-savvy lenders.

Do you cover all of the UK?

Yes — England, Scotland, Wales and Northern Ireland through our partner network.

Do you provide financial advice?

No. We do not provide financial advice. Consider seeking independent advice if you’re unsure about suitability.

Start Your Free Eligibility Check

You’re minutes away from being matched with agriculture-focused lenders and brokers.

• Click Get Started
• Share a few details (business name, time trading, amount, purpose, contact)
• Get contacted quickly with options
• Compare quotes and choose only if it suits you

Compliance and transparency

• We are not a lender and do not provide financial advice
• All finance is subject to status, affordability and lender criteria
• Terms, conditions, fees and security may apply
• Enquiring with us won’t affect your credit score; partners may run checks if you proceed
• Content on this page is intended for UK businesses and aims to be fair, clear and not misleading

Suggested internal links

• Asset Finance
• Invoice Finance
• Vehicle Finance
• Sustainability & Renewables Finance
• Business Loans UK