Farming loans & refinancing farm assets — release cash against owned farm assets

Unlock working capital from land, buildings or farm equipment without changing how you run the farm. UK Business Loans connects farm businesses with lenders and brokers who offer refinancing and asset-release solutions for amounts from £10,000 upwards. Complete a quick, no‑obligation enquiry and receive matched quotes so you can compare options and decide what’s best for your operation.

Quick answer — can UK Business Loans be used to refinance owned farm assets to free up cash?

Yes. UK Business Loans helps farm owners and agricultural businesses find lenders and brokers who may refinance owned farm assets to release cash. We are an introducer — we do not lend — and our service is designed to match your exact need (land equity release, remortgage, asset finance, sale-and-leaseback or other refinance solutions). Complete a Free Eligibility Check to get matched quotes and start comparing options.

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Why refinance farm assets?

Refinancing farm assets converts existing value into usable cash. Farmers refinance for many reasons — some strategic, some short-term. Common benefits include:

• Free up working capital: cover seasonal cashflow shortfalls, buy seed or feed, or pay seasonal staff.
• Invest in productivity: upgrade barns, slurry systems, irrigation or invest in sustainability projects such as solar arrays or AD plants.
• Replace or add equipment: finance new tractors, harvesters or milking kit while using current assets for security or sale-and-leaseback.
• Debt consolidation: replace higher-cost borrowing with a single, lower-cost facility to improve monthly cashflow.
• Fund diversification: develop agritourism, housing conversions (subject to planning) or new revenue streams.

Example: a medium-sized arable enterprise remortgaged a redundant yard and released equity to fund a precision-drilling programme that increased season yield and cashflow predictability.

What farm assets can be refinanced?

Different lenders specialise in different asset types. Below are the typical classes and how they are treated.

Farmland / freehold land

Land is often the most valuable asset and can be remortgaged to release equity. Lenders will require title checks and a professional valuation. Loan-to-value (LTV) expectations vary by land quality and location — typically more conservative (e.g., 50–75% depending on lender and circumstances).

Farm buildings & commercial property

Barns, silos and workshops can be used as security under commercial mortgages or property-backed business loans. Some lenders differentiate between agricultural classification and commercial valuation.

Farmhouses / residential property

Some lenders will consider residential property as security but policies differ — check with your matched broker to confirm if they accept mixed-use security.

Machinery & equipment

Tractors, combines, milking parlours and specialist kit are frequently refinanced via asset finance, hire purchase refinance or sale-and-leaseback (keep using the machine while realising cash).

Vehicles & haulage

Farm fleets and trailers are suitable for vehicle finance or refinancing.

Livestock and stock

Livestock is usually harder to use as long‑term security; lenders prefer stock-backed short‑term finance or invoice/stock finance facilities rather than long-term mortgages.

Want to explore specialist agricultural lending? See our farming loans overview for more sector detail: farming loans.

How refinancing works — step-by-step (via UK Business Loans)

1. Quick enquiry: complete our short form with business details, asset type, estimated value and the amount you want to release. This is not an application — it helps us match you.
2. Matching: we connect you to lenders and brokers in our network who specialise in agricultural refinance and asset-backed lending for amounts from £10,000 upwards.
3. Initial assessment: a broker or lender will contact you to clarify needs, request basic documents and outline indicative rates and LTVs.
4. Valuation & checks: for property or high-value kit, a formal valuation and legal title checks are usually required.
5. Offers & comparison: you receive formal offers — compare interest rates, fees, terms and any early repayment charges.
6. Completion: once you accept an offer, legal documentation is completed and funds are released according to the agreed schedule.

Typical timescales: an indicative quote often within hours; full property-secured refinancing commonly takes 2–8 weeks (valuations, conveyancing or company searches can extend this).

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Types of refinancing products suitable for farms

• Remortgage / commercial mortgage: release equity from land or buildings for longer-term needs.
• Secured business loans: use farm assets as security without changing mortgage lender in some cases.
• Asset finance / refinance: refinance equipment while retaining use — often structured over 3–7 years.
• Sale-and-leaseback: sell an asset to a funder and lease it back to free up capital.
• Bridging finance: short-term loans while longer-term finance or sales are arranged.
• Invoice finance / seasonal cashflow facilities: free up cash tied up in sales or seasonal cycles.

Loan sizes commonly handled through our introductions start at around £10,000 and can extend to large commercial facilities depending on asset value and lender appetite.

Eligibility — what lenders typically look for

Eligibility varies by lender and product, but common underwriting criteria include:

• Asset ownership and documentation: title deeds, registration for machinery, maintenance/service history for kit.
• Trading history and turnover: recent accounts, VAT returns and management accounts where applicable.
• Cashflow and profitability: lenders will want to see sustainable income to service repayments.
• Credit history: personal and business credit checks are usual; adverse records can affect terms but specialist lenders may consider circumstances.
• Loan-to-value (LTV): varies by asset — farmland tends to command better LTVs than machinery or livestock.
• Legal & planning considerations: for conversions or diversification projects, lenders may review planning permissions and permitted use.

Preparing a tidy file (title deeds, recent accounts, bank statements and equipment lists) improves speed and your chance of competitive offers.

Costs, timings & risks

Costs to consider:

• Interest rates and APR — vary widely by lender and product.
• Arrangement and broker fees — one-off setup charges.
• Valuation and legal fees for property-based deals.
• Early repayment charges or exit fees on some products.

Timings:

• Indicative quotes: often within hours of an enquiry.
• Property-secured refinancing: commonly 2–8 weeks depending on valuation and conveyancing.
• Asset finance for kit: often quicker — sometimes under two weeks for straightforward deals.

Risks and important warnings:

• Refinancing that uses land, buildings or equipment as security can put those assets at risk if repayments are not met. Consider the impact on family assets and succession plans.
• Longer loan terms may reduce monthly payments but increase total interest paid.
• Tax implications and capital gains considerations may apply if assets are sold in sale-and-leaseback arrangements — consult an accountant or tax adviser.

We are an introducer and not a lender or tax adviser. Always review full lender terms and seek independent professional advice when needed.

Why use UK Business Loans to refinance farm assets?

UK Business Loans simplifies the search. Instead of contacting many lenders, complete one short enquiry and we match your farm to the lenders or brokers most likely to help. Our benefits:

• Fast matching to specialists in agricultural finance.
• Compare multiple quotes to find competitive terms.
• No cost to you for the introduction — no obligation to proceed.
• Service designed for loans and facilities of £10,000 and above.

Start your Free Eligibility Check — it’s quick, secure and doesn’t commit you to anything. Submitting an enquiry does not affect your credit score.

Frequently asked questions

Can I refinance farmland I own outright to release cash?

Yes. Many lenders will remortgage freehold farmland to release equity subject to a professional valuation, title checks and the lender’s lending criteria.

Can I refinance farm machinery and still keep using it?

Yes — asset finance, refinance or sale-and-leaseback are common solutions that let you free up cash while retaining use of tractors, combines or specialist kit.

How long does the refinancing process typically take?

Timescales vary: an indicative quote can arrive within hours; asset finance may complete in under two weeks; property-secured refinancing usually takes 2–8 weeks depending on valuations and legal work.

Will checking my options through UK Business Loans affect my credit score?

No. Completing our enquiry and receiving matched quotes is not a loan application and will not affect your credit score. Lenders may perform credit checks later in the application process.

What if I have imperfect credit?

Specialist lenders exist for more complex credit histories. Provide full details in your enquiry so we can match you to brokers/lenders with appropriate appetite. Offers will depend on lender underwriting.

Do you charge to use this service?

No — our introducer service is free for businesses seeking finance. Lenders or brokers may charge fees; these will be disclosed in their terms.

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Ready to unlock cash from your farm assets?

Start with a short, no‑obligation enquiry. We’ll match you to lenders and brokers who specialise in agricultural refinance and asset finance for amounts from £10,000 and up — then it’s your choice which offer to pursue.

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Privacy note: your information is shared only with selected finance partners to provide quotes. Submitting this enquiry is not an application and will not affect your credit score. UK Business Loans does not lend or provide regulated financial advice.

1. Can I remortgage my farmland to release cash for the business?
Yes — many lenders will remortgage freehold farmland to release equity subject to valuation, title checks and lender criteria.

2. Which farm assets can I refinance to unlock working capital?
Typical assets include freehold land, farm buildings, farmhouses (subject to lender policy), machinery, vehicles and sometimes stock-backed short-term facilities.

3. How much can I borrow against my farm assets and what are typical LTVs?
Loan sizes via our introductions start from £10,000 upwards, with lender loan‑to‑value (LTV) varying by asset (farmland often 50–75% while machinery and stock usually attract lower LTVs).

4. How quickly will I receive quotes and when can funds be released?
You can often get indicative matched quotes within hours, asset finance can complete in under two weeks, and property‑secured refinancing typically takes 2–8 weeks depending on valuation and legal work.

5. Will submitting an enquiry through UK Business Loans affect my credit score?
No — completing our free eligibility check and receiving matched quotes is not a credit application and will not affect your credit score.

6. Are you a lender and do you charge to use this service?
We are not a lender or financial adviser — UK Business Loans is a free introducer that matches you with trusted brokers and lenders at no cost to your business.

7. Can I refinance farm machinery and still keep using the equipment?
Yes — asset finance, refinance or sale‑and‑leaseback solutions commonly let you free up cash while retaining use of tractors, combines and specialist kit.

8. What documentation will lenders typically ask for when refinancing farm assets?
Lenders usually request title deeds or asset registration, recent accounts, VAT returns, bank statements, equipment service history and a professional valuation for high‑value assets.

9. What costs and risks should I consider before refinancing farm assets?
Expect interest, arrangement/broker fees, valuation and legal costs, and remember secured refinancing can put land, buildings or equipment at risk if repayments are not met.

10. Can I get farm refinancing if I have limited trading history or imperfect credit?
Yes — some specialist lenders and brokers work with start‑ups or complex credit profiles, so provide full details in your enquiry to be matched appropriately.