Introduction — why start your farm loan eligibility check now

Farming is seasonal and time‑sensitive. Whether a delayed machinery delivery, urgent repairs after storm damage, or cashflow pressure during harvest, getting finance sorted quickly can make the difference between a smooth season and costly disruption.

Our free eligibility check helps you discover which lenders or brokers are likely to support your request without a lengthy search. It’s quick (around 2 minutes), free, and non‑binding — and it gives you a realistic sense of options available for farm businesses needing £10,000 and above.

Get Free Eligibility Check — free, no obligation. We introduce your details only to selected lenders and brokers suitable for your needs.

How UK Business Loans works — 3 simple steps

1. Complete a short enquiry — tell us the loan amount, purpose and contact details (2 minutes).
2. We match your business — our team connects your enquiry to specialist farm lenders and brokers who understand agriculture finance.
3. Receive quotes & decide — lenders contact you with options; compare rates, terms and fees and choose the best fit.

Get Quote Now — submit once, get multiple contacts.

Who this page is for — typical farm businesses we can help

We work with farming businesses across the UK seeking business finance from roughly £10,000 upwards. Common examples include:

• Arable farms and contracting businesses
• Dairy and livestock farms
• Horticulture, glasshouse and soft‑fruit growers
• Farm shops, processing units and diversification projects
• Agricultural contractors and seasonal suppliers
• Limited companies, partnerships and LLPs operating in agriculture

If your business needs specialist farm funding, start a free eligibility check to see which partners may be able to help.

Types of farming finance you can check for

We match enquiries to lenders and brokers that offer many agricultural finance solutions. Examples:

• Working capital / seasonal loans — bridge cashflow through planting or harvest seasons (typical from £10k).
• Asset & equipment finance — hire purchase, lease or asset refinance for tractors, combines and implements.
• Invoice finance — unlock cash tied up in supplier or retailer invoices.
• Land purchase & improvement finance — loans for land improvement, drainage, infrastructure or diversification works.
• Refinance & debt consolidation — restructure existing debt to reduce monthly outgoings.
• Green & sustainability loans — finance for slurry management, solar panels, energy efficiency and other CAP/green projects.

To explore specific solutions for your enterprise, Get Free Eligibility Check.

Learn more about sector options on our farming information page about farming loans: farming loans.

How to start your free farming loan eligibility check — step‑by‑step

Step A — Click the Get Quote Now button

Click any “Get Free Eligibility Check / Get Quote Now / Get Started” button on this page. This opens a short enquiry form (or page) where you’ll enter basic details. The button links to our secure data collection page so we can match you promptly.

Step B — Complete the short enquiry form

We ask for focused, conversion‑friendly fields to speed matching and protect your time. Typical information we request:

• Contact name and best phone/email
• Business name and postcode
• Loan amount required (range)
• Purpose of the loan (equipment, working capital, land, refinance)
• Time in business and turnover bracket (optional but helps match)
• Consent to pass details to selected lenders/brokers

You only provide what you’re comfortable with. The enquiry is not an application — it’s used to match you to appropriate partners.

Step C — What happens after you submit

We review your enquiry and match it to one or more specialist lenders/brokers. Expect contact by phone or email, commonly within a few hours on business days. Matched partners will discuss indicative terms and may request basic documents to give a more accurate quote.

Step D — Compare offers and decide

When you receive offers, compare APR, term, fees, required security and repayment schedule. Ask lenders whether a formal credit check is needed before you commit. Only proceed with a formal application if you’re happy with the terms.

Start Your Free Eligibility Check

What lenders and brokers typically look for — eligibility checklist

Understanding what lenders expect helps speed approval. Common checks include:

• Business age & trading history: many lenders prefer at least 12 months trading for unsecured options; specialist lenders may consider newer businesses for asset finance.
• Turnover & profitability: recent management accounts and VAT records are useful.
• Bank statements: 3–6 months to show cashflow and expenditure patterns.
• Credit history: company and director credit checks; adverse history may limit options but some lenders specialise in imperfect credit.
• Security & assets: land, machinery or guarantees influence rates and availability.
• Project detail: quotes for equipment, tenancy agreements, subsidy/BPS documentation or contract details for new income streams.

Tip: prepare recent bank statements, management accounts and equipment quotes before speaking to lenders to speed up a firm offer.

Get Quote Now

Timeline, fees & credit checks

Timelines vary by product:

• Small working capital or asset finance: initial offers within hours–days; funding in days–weeks.
• Land purchase or complex refinance: weeks to complete due diligence and valuations.

Fees: some lenders or brokers charge arrangement or broker fees. UK Business Loans charges nothing to submit your enquiry; any fees will be explained by the lender or broker before you sign.

Credit checks: initial matching does not usually trigger a hard search. Lenders may perform hard credit checks at formal application stage — ask them first.

Why use UK Business Loans for farm finance?

• Quick access to multiple specialist partners with farming experience.
• Save time: submit one short enquiry and let us handle the match.
• Free and no obligation — you choose whether to proceed.
• Nationwide coverage and lenders who understand seasonal cashflow and agricultural assets.

Get Free Eligibility Check — submit once, get multiple potential matches.

Frequently asked questions

How can I begin my free eligibility check for UK farming loans on UK Business Loans?

Click the Get Free Eligibility Check button and complete the short form with contact and loan details. We’ll match you with suitable lenders and brokers who will contact you with quotes.

How do I start the free eligibility check for UK farming loans on UK Business Loans?

Use the Get Quote Now link on this page, fill the enquiry and submit. You’ll usually hear from matched partners within hours.

How quickly will I get a response after I submit my farming loan enquiry?

Many enquiries receive contact within a few hours on business days. Complex requests may take longer as lenders review documents.

Does submitting an enquiry affect my credit file?

No — the initial enquiry is not a formal application and does not usually produce a hard credit search. Ask any lender you speak to if they will perform a hard check before you proceed.

What information should I have ready?

Contact details, postcode, rough loan amount, purpose, recent bank statements and management accounts (if available) and equipment or contractor quotes will speed up the process.

Can I apply if I have poor credit?

Possibly. Some specialist lenders and brokers consider applications from businesses with adverse credit. We’ll match you to those most likely to help — but approval is never guaranteed.

Is there a minimum loan size?

We typically facilitate loans from approximately £10,000 and upwards. For smaller amounts, ask on the enquiry form and we’ll advise on suitable partners.

Next steps — start your free eligibility check

Ready to explore your farm finance options? Click below, complete the short form and we’ll match you to lenders and brokers who can help. It’s quick, free and no obligation.

Start Free Eligibility Check

UK Business Loans is an introducer — not a lender and does not provide regulated financial advice. We pass your details to selected lenders and brokers so they can provide quotes. Submitting an enquiry is free and no obligation; initial enquiries usually do not affect your credit file.