Farming Loans: Fast Eligibility Check for Farm Finance
Quick summary: Complete a free 2‑minute eligibility enquiry and UK Business Loans will match your farm with the specialist lenders or brokers most likely to fund equipment, land, working capital or development — typically you’ll hear back within hours and funding options often from £10,000 upwards.
How to check if you qualify for farm finance — the fastest route
If you want a fast answer, the quickest way to see if you qualify for farm finance through UK Business Loans is to complete our short enquiry so we can match you with the most appropriate lenders or brokers. The enquiry is a simple information-only form (it’s not an application) and takes about two minutes to complete.
Free Eligibility Check — Get Quote Now (typically: form = 2 minutes, initial contact = within hours, detailed quotes = hours–days depending on product).
Step-by-step: complete the form, we match, you compare
Step 1 — Complete our short enquiry form
Tell us a few basics: business name, contact, postcode, amount required and what you need it for (equipment, seasonal cashflow, land purchase, development, green projects etc.). This is an information‑only enquiry used to match you — not an application and it won’t affect your credit score.
Step 2 — We match you to the most suitable lenders and brokers
We use the details you provide to quickly identify lenders or brokers in our panel who specialise in agricultural finance and the product you need. We prioritise partners who regularly fund farming businesses and understand seasonal income and farm assets.
Step 3 — Receive quotes & compare (no obligation)
Matched partners will contact you to explore terms and provide quotes. You can compare offers and choose whether to proceed — there’s no obligation to accept any quote.
Note: UK Business Loans facilitates introductions only; you deal directly with the lender or broker when they contact you. For a fast start, Start your Free Eligibility Check.
Types of farm finance we can connect you to
Different lenders specialise in different products. We match your enquiry to the specialists who are most likely to offer competitive, realistic terms for 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.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Asset & equipment finance — hire purchase, leasing or chattel mortgages for tractors, combines and specialist kit. Typical sizes: £10,000 upwards; terms usually 1–7 years.
- Vehicle & fleet finance — finance for vans, trucks or agricultural vehicles via hire purchase or lease.
- Working capital & seasonal finance — short-term loans or revolving facilities to cover seasonal peaks and troughs in income.
- Land purchase & agricultural mortgages — longer-term finance for acquiring farmland or farm buildings; involves valuation and conveyancing.
- Development & bridging finance — short-term bridging for farm improvements, building works or to bridge sale/purchase timing.
- Invoice & receivables finance — unlock cash tied up in invoices if you supply contractors, retailers or wholesalers.
- Green & sustainability finance — funding for solar, slurry treatments, energy efficiency and low-carbon projects on farm.
Want to read more about sector-specific options? See our farming loans page for an industry overview: farming loans.
Get Quote Now — Free Eligibility Check
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.
What lenders typically look for (fast eligibility checklist)
While every lender sets their own rules, most assess similar areas. Presenting clear, accurate information speeds decisions.
Financial & credit factors
- Recent management accounts and annual accounts (trend of turnover and profitability).
- Bank statements (3–6 months) to show cashflow patterns.
- Credit history for the business and directors — explain any previous difficulties upfront.
Business & operational factors
- Length of trading and the nature of your farm income (contracting, produce sales, subsidies).
- Seasonality — lenders who understand agriculture will allow for seasonal income patterns.
- Experience of the management team or farming family — relevant skills matter for some lenders.
Security & assets
- Land, buildings and equipment valuations can increase available options and reduce rates.
- Some lenders will take stock, machinery or other assets as collateral.
Practical tip: be honest and upfront about seasonality or past credit issues — the right broker can often find a lender who will consider the full picture.
Documents to have ready (speed up your result)
Gathering these before you submit your enquiry will reduce back-and-forth and get you quicker quotes.
- Management accounts / full accounts for the last 1–3 years (or projected accounts if recently restructured).
- Business bank statements — last 3–6 months.
- VAT returns if applicable.
- List of major assets (make, model, age) and any invoices or valuations for equipment.
- ID for owners/directors: passport or driving licence and proof of address.
- Brief outline of the purpose of funds and an estimated cashflow / business plan for larger loans or developments.
Optional: download our quick checklist after you submit your enquiry — matched partners often request the same paperwork, so it’s worth preparing.
How UK Business Loans speeds up farm finance applications
We remove the legwork of searching dozens of lenders. By collecting a few key details we identify which partners are most likely to offer suitable terms for your farm.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Short enquiry form designed for speed — most users take ~2 minutes to complete.
- Sector-aware matching — we prioritise partners experienced in agriculture and specific products (e.g. asset finance, seasonal facilities, land purchase).
- Direct contact from lenders and brokers — once matched you’ll typically receive a call or email to discuss options.
Important: the enquiry is not an application. We use your information to introduce you to lenders/brokers who can then ask for further documents and run formal checks with your consent.
Typical timelines and example scenarios
Actual speed depends on product, paperwork and whether property valuations or legal processes are required. Typical examples:
- Tractor or equipment (asset finance): enquiry → quote in 24–72 hours; funding in 3–10 business days once paperwork is complete.
- Seasonal working capital: many lenders can provide quotes the same day; funds can be available within 24–72 hours depending on checks.
- Land purchase (mortgage): longer process — often several weeks to months because of valuations, legal work and conveyancing.
- Bridging for development: quotes in days; facilities often arranged in 1–4 weeks depending on complexity.
Each case is unique — submit a short enquiry to see what’s realistic for your farm: Get Quote Now.
Costs, fees and transparency — what to expect
Costs vary by lender and product. Always ask for a full breakdown including interest (APR), arrangement fees, valuations, broker fees and any early repayment charges.
We do not charge you to use our matching service. Lenders or brokers may charge fees; they will disclose these before you sign anything. Always request the total cost of credit in writing and compare offers carefully.
Frequently asked questions
Will making an enquiry affect my credit score?
No. Submitting an enquiry on our form does not affect your credit score. Matched lenders or brokers may carry out credit checks later with your consent during a formal application.
How long does the eligibility check take?
The online enquiry takes around 2 minutes. You’ll usually be contacted by a matched partner within hours during business days.
Are you a lender?
No — UK Business Loans introduces businesses to lenders and brokers who provide finance. We do not lend money ourselves.
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.
What if I have had credit issues?
Having issues in the past doesn’t automatically rule you out. We work with a wide panel and can often find partners who will consider the full context — honesty helps speed the process.
Do you support green projects on farms?
Yes — we can introduce you to specialists offering finance for renewable energy, slurry management, conservation and other sustainability projects.
Who contacts me after I submit the form?
Selected lenders or brokers from our panel will contact you by phone or email to discuss options and next steps. You decide whether to proceed.
Is my data secure?
Your details are shared only with selected partners to help match your enquiry. See our Privacy Policy for full details.
Ready to check your eligibility?
If you need finance of £10,000 and above for equipment, seasonal working capital, land, development or sustainability projects, the fastest way to find out if you qualify is to complete our short enquiry now. We’ll match you to the lenders or brokers most likely to help — free and no obligation.
Free Eligibility Check — Get Quote Now
Completing the enquiry is not an application and does not commit you to any product. UK Business Loans introduces you to lenders and brokers who may contact you to discuss quotes and next steps.
1. Will submitting the free 2‑minute eligibility enquiry affect my credit score?
No — the eligibility enquiry is information‑only (not an application) and won’t affect your credit score, though matched lenders may run checks later with your consent.
2. How quickly will I hear back after completing the short form?
You’ll typically be contacted by matched lenders or brokers within hours, with detailed quotes often available within hours to a few days depending on the product.
3. What types of farming loans and finance can UK Business Loans match me to?
We can connect you to specialist providers for asset & equipment finance, vehicle/fleet finance, seasonal working capital, land purchase/mortgages, bridging/development finance, invoice finance and green/sustainability funding.
4. What loan amounts can I expect to access through your panel?
Most partners provide options from around £10,000 upwards, with facilities available up to multi‑million pound deals depending on the lender and purpose.
5. What documents should I have ready to speed up farm finance quotes?
Have recent management or annual accounts (1–3 years), 3–6 months of business bank statements, ID for owners/directors, asset lists/valuations and a brief purpose/cashflow plan for larger loans.
6. Can I get farm finance if I’ve had credit problems in the past?
Possibly — some lenders on our panel specialise in supporting businesses with imperfect credit, and being upfront about past issues helps brokers find suitable options.
7. Are you a lender or do you provide financial advice?
No — UK Business Loans is an introducer that matches you with FCA‑regulated lenders and brokers; we do not lend money or provide regulated financial advice.
8. How long does it typically take to fund equipment like a tractor or combine?
After a quote (usually 24–72 hours), asset finance funding is often completed in 3–10 business days once paperwork and checks are finalised.
9. Do you charge for using UK Business Loans and are there other fees I should expect?
Our matching service is free to use, but lenders or brokers may charge arrangement, valuation or broker fees which should be disclosed in writing before you sign.
10. Do you offer finance for green or sustainability projects on farms?
Yes — we match you to specialists who fund solar panels, slurry management, energy efficiency, low‑carbon projects and other agricultural sustainability initiatives.