Can I quickly access working capital for seed, feed, fuel and fertiliser through UK Business Loans partners?
Short answer: Yes — UK Business Loans can rapidly match UK farms and agricultural businesses with lenders and brokers who offer working capital for seed, feed, fuel and fertiliser. You can get a free eligibility check and initial quotes often within hours; actual funding depends on the product selected (some short-term products can deliver funds in 24–72 hours, while secured or more complex finance may take longer). We are not a lender and do not provide regulated financial advice. Completing our enquiry is free and not an application — it simply helps us match you with suitable finance providers.
Get Quote Now — Free Eligibility Check
At a glance — quick answer
Yes. UK Business Loans connects agricultural businesses with lenders and brokers who provide a range of products suitable for purchasing seed, feed, fuel and fertiliser. You’ll get a free, no-obligation eligibility check when you submit a short enquiry. Matching and initial quotes can be very fast — often within hours — but the time to receive cleared funds varies by product, lender checks and whether security is required.
What types of finance can cover seed, feed, fuel & fertiliser?
Different finance types suit different needs — from one-off urgent purchases to planned seasonal buying. Below are the common options our partners provide:
Short-term working capital
- Unsecured short-term business loans — quick to arrange for established businesses requiring prompt cash.
- Overdrafts or short-term line of credit — useful for variable daily costs like fuel.
- Merchant cash advance / receivable-based advances — repayable from future card or sales receipts; can be fast but often pricier.
Seasonal & crop-input finance
Tailored loans that match repayment to harvest receipts or subsidy timings. These products are designed for seed and fertiliser buying windows and often include flexible repayment terms aligning with farm cashflow.
Invoice & receivables finance
If you’re waiting on payments from buyers, invoice finance and factoring free up cash so you can buy inputs now without waiting for invoices to be settled.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Asset & equipment finance
For larger purchases (fuel tanks, storage, machinery), asset finance or hire purchase spreads cost while preserving working capital.
Agri-focused packages and government-linked schemes
Some lenders and brokers offer agriculture-specific facilities and seasonal packages. There are also government-backed or guarantee schemes which some providers can access — your matched broker or lender will advise on options that suit your situation.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
For a detailed overview tailored to farm businesses, see our guide to agriculture business loans: agriculture business loans.
How quickly can I get funds? Timelines explained
There’s a difference between getting an eligibility check or quote and receiving cleared funds. Typical timings:
- Eligibility check & quotes: often within hours of submitting the enquiry; some partners contact you the same business day.
- Conditional approval: 24–72 hours for many unsecured short-term products once documents are received.
- Funds in account: same day to 5 working days for quick unsecured products; dependent on bank processing and identity checks.
- Longer-term products: secured loans, asset finance or property-based lending typically take 2–6 weeks or longer due to valuations and legal work.
Factors that speed up or slow down funding:
- How quickly you supply documents (bank statements, invoices, quotes).
- Length of trading history and financial performance.
- Credit profile and whether security is offered.
- Lender underwriting times and whether a broker is involved.
- Time of year — seasonal demand can increase processing times around busy buying windows.
Important: matching via our enquiry does not guarantee approval or a set funding time — each lender sets its own terms and checks.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Who can apply? Typical eligibility
We match limited companies, partnerships, farming co-operatives, corporate farm businesses and contractors to lenders and brokers. UK Business Loans does not arrange finance for sole traders or professional-only loan products.
Common lender requirements include:
- A minimum period of trading (varies by lender; some accept businesses from 6–12 months, others specialise in established operations).
- Minimum loan amounts — our partner network typically arranges loans from around £10,000 upwards.
- Turnover and profitability tests for some products; specialist lenders can consider alternative underwriting when seasonal receipts or subsidies form part of cashflow.
- Credit history is considered; if you have issues, specialist lenders and brokers in our panel may still be able to help, albeit sometimes at a higher cost.
Why use UK Business Loans — who we match you to
We do not lend. Instead we save you time by matching your enquiry to lenders and brokers experienced in agricultural finance. Benefits of using our service:
- We identify partners who specialise in farm and crop input funding so you don’t have to search multiple sites.
- You receive multiple approaches to compare, increasing your chance of a suitable, timely solution.
- Our partners include high-street and specialist lenders plus independent brokers who know seasonal cashflow cycles and subsidy timings.
- Typical facilities arranged by our network range from £10,000 to well into six-figure sums depending on lender and product.
Because our revenue depends on completed enquiries, we focus on quality matches that lead to useful conversations with finance providers — helping you get a fast, relevant quote.
Step-by-step — how it works
- Complete a short enquiry form: business name, contact, approximate loan amount, purpose (seed, feed, fuel, fertiliser, etc.) and trading history. This is not an application — it’s so we can match you.
- We match your enquiry: we send your details to selected lenders and brokers most likely to help.
- Lenders/brokers contact you: they discuss terms, any required documents and make you offers or conditional quotes.
- Compare and decide: review offers, choose the best fit and complete the lender’s application to access funds.
Documents & information you’ll typically need
Having these ready speeds the process:
- Business bank statements (3–6 months).
- Management accounts or VAT returns / tax returns.
- Supplier quotes or purchase orders for seed, feed, fertiliser or fuel.
- Details of assets (if you’re seeking secured finance).
- Proof of identity and business address for directors where required.
Tip: upload supplier invoices or quotes with your enquiry to get quicker, more accurate offers.
Costs & how terms are presented
Lenders present cost information in different ways — APR, fixed interest rate, arrangement or facility fees, and any early repayment charges. When comparing offers, look at the total cost of credit across the term, not just the headline rate.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
General guidance (non-numeric):
- Fast, short-term products generally cost more than longer-term secured finance.
- Offers for higher-risk profiles (limited trading history, poor credit) may carry higher costs or require security.
- Ask about total fees, repayment schedules and any penalties before accepting an offer.
Real-world examples
Seasonal seed purchase — arable farm
An arable business needed £35,000 of seed ahead of the sowing window. After completing our enquiry, a seasonal finance specialist contacted the farm within 6 hours, issued a conditional quote and, once documents were returned, funds reached the business account within 48 hours via a seasonal loan aligned to harvest receipts.
Urgent feed purchase — livestock enterprise
A livestock producer faced an unexpected spike in feed costs. Our match connected them to a broker who arranged a short-term cash advance to cover the purchase until subsidy payments cleared. The business avoided welfare issues and repaid the facility after receiving expected receipts.
These anonymised case studies show how speed and the right product choice matter. For more examples, speak to one of our matched partners.
Frequently asked questions
Will applying affect my credit score?
Submitting an enquiry via UK Business Loans does not affect your credit score. Lenders may carry out credit checks later if you progress to a full application.
Can start-up or new farming operations apply?
Some specialist lenders work with newer operations, but expect closer scrutiny and sometimes higher cost. Established businesses typically have quicker access to a wider range of products.
Do you lend directly?
No — we introduce you to lenders and brokers who will discuss and provide finance directly.
How fast will a lender contact me?
Often within hours during business times; usually the same day. Response times depend on lender availability and the quality of information supplied in your enquiry.
Is the service free?
Yes. It’s free to use our matching service. There is no obligation to accept any offers you receive.
Next steps & final reassurance
If you need seed, feed, fuel or fertiliser funding fast, completing our short enquiry is the quickest way to get matched to lenders and brokers who specialise in agriculture. The process is free, takes just a couple of minutes, and does not commit you to anything — it simply gets the right people to contact you with possible solutions.
Start Your Enquiry — Free Eligibility Check
Legal & important information: UK Business Loans is an introducer only. We are not a lender and do not provide regulated financial advice. We introduce businesses to lenders and brokers who may contact you with quotes or offers. Submitting an enquiry is not an application and does not guarantee funding. Our typical partner arrangements cover loans from around £10,000 and upwards. Read our Privacy Policy and Terms for full details.
1. How quickly can I get funding for seed, feed, fuel and fertiliser?
You can often get a free eligibility check and initial quotes within hours, with some short-term products delivering funds in 24–72 hours while secured or more complex lending can take several weeks.
2. What types of finance cover agricultural inputs like seed, feed, fuel and fertiliser?
Options include unsecured short‑term business loans and overdrafts, seasonal/crop‑input finance, invoice/receivables finance, merchant cash advances, asset/equipment finance and some government‑linked schemes.
3. Will submitting an enquiry via UK Business Loans affect my credit score?
No — submitting an enquiry is not a credit application and won’t affect your credit score, though lenders may carry out checks if you progress to a full application.
4. Does UK Business Loans lend directly or provide regulated financial advice?
No — UK Business Loans is an introducer that matches you with FCA‑regulated lenders and brokers; we do not lend or provide regulated financial advice.
5. How much can I borrow for working capital or seasonal purchases?
Our partner network typically arranges facilities from around £10,000 up to six‑figure sums (and higher depending on lender and product).
6. Who is eligible to apply through UK Business Loans for agricultural finance?
For this agricultural service we match limited companies, partnerships, farming co‑operatives, corporate farm businesses and contractors to lenders and brokers (eligibility varies by lender and sole traders are not arranged via this page).
7. What documents should I have ready to speed up the process?
Have 3–6 months of business bank statements, management accounts or tax/VAT returns, supplier quotes or purchase orders, details of assets for secured finance and ID/business address proof ready.
8. How are costs shown and what should I compare when evaluating offers?
Lenders present costs as APR, interest rates, arrangement/facility fees and early repayment charges — always compare the total cost of credit, repayment schedule and any penalties, not just the headline rate.
9. Can businesses with limited trading history or poor credit still get finance?
Yes — specialist lenders and brokers in our panel may consider businesses with short trading histories or imperfect credit, although offers may be more expensive or require security.
10. Is the matching service free and does completing the enquiry commit me to anything?
Yes — the service is free, completing the short enquiry is not an application and does not oblige you to accept any offers or guarantee funding.