Agriculture finance snapshot

• Common needs: equipment purchases, livestock purchases, land/property acquisitions, seasonal cashflow, bridging and refinance.
• Typical loan sizes we help arrange: from around £10,000 upwards into the millions for larger projects.
• Why specialist lenders matter: many understand seasonal income, herd cycles, and farm asset values better than mainstream banks.

How Fast Business Loans helps UK farms — a simple 4-step match process

Here’s how it works when you need farm finance:

1. Complete a short enquiry (under 2 minutes). This is not an application — it’s information to help us match you.
2. We match your details with a small panel of specialist lenders or brokers who understand agriculture.
3. Partners contact you to discuss options and request any further documents.
4. You compare offers and decide which route to take — no obligation to proceed.

Get Matched to Farm Lenders — quick, free and confidential.

Funding challenges in modern agriculture

Farming has unique cashflow and capital requirements. Lenders need to understand:

• Seasonal and cyclical income — harvest timings, market prices and subsidy flows.
• High-cost, specialised equipment (tractors, combines, milking parlours) with specific residual values.
• Livestock valuation and biosecurity risks.
• Land and property constraints — long-term assets often tied to family operations.
• Supply-chain volatility and rising input costs (feed, seed, fertiliser).

Mainstream banks can be slower or impose rigid criteria. Our panel includes lenders and brokers who specialise in agriculture and understand these sector specifics.

Types of agriculture finance we can connect you with

Asset & equipment finance

Finance for new or used tractors, harvesters, milking systems, and other agricultural machinery. Options include hire purchase, finance leases and chattel mortgages. Typical ticket sizes: £10k to £1m+. Useful for conserving working capital while spreading cost.

Livestock & working capital loans

Short-to-medium term loans for herd purchases, seasonal working capital, or feed and fertiliser bills. Lenders consider herd records and trading performance. Amounts vary from tens of thousands upwards.

Land & property finance

Bridging loans, mortgages or development finance for arable land, farm shops, cottages and commercial farm buildings. Terms and security requirements vary by lender — experienced brokers can present the right options.

Invoice & contract finance

Invoice discounting and contract finance free up cash tied in sales or long-term contracts — ideal when large invoices are paid on 30–120 day terms.

Sustainability & green upgrade funding

Finance for energy-efficiency projects, solar PV, AD plants, slurry separation or low-emission equipment. Many lenders offer specialist green funding that can include favourable terms or longer repayment horizons.

Refinance & debt consolidation

Consolidating multiple facilities can reduce monthly pressures and simplify payments. Refinance often requires clear management accounts and a plan showing savings or improved cashflow.

For a comprehensive overview of sector-specific options, see our industry page on agriculture business loans.

Compare Your Options in Minutes

Eligibility & what lenders typically look for

Criteria varies across our panel, but lenders commonly assess:

• Business structure: limited companies and partnerships are commonly supported (we do not handle sole trader enquiries).
• Trading history: many lenders prefer 12 months+ trading; some specialist lenders consider shorter trading with strong forecasts.
• Turnover and profitability: lenders check sustainable cashflow to cover repayments.
• Security: some loans are unsecured, others require land, property, or equipment as collateral.
• Management records: up-to-date accounts, farm business records and subsidy statements improve outcomes.

Documents to prepare for a fast response

Having these ready speeds introductions and decisions:

• Latest 12–24 months business accounts (or management accounts if prepared monthly).
• Cashflow forecasts and budgets showing seasonal peaks/troughs.
• Herd or flock registers and valuations (where applicable).
• Details of assets to be financed (serial numbers, photos, supplier quotes).
• Land registry/title documents and recent mortgage statements (for property finance).
• Contracts or purchase orders for invoice/contract finance.

When you’re ready, Upload details securely with your enquiry so brokers can assess quickly.

Why agricultural firms choose Fast Business Loans

• Sector experience — we match you to lenders who understand farming cashflow and asset types.
• Speed — quick introductions so you can get quotes and move fast when opportunities or needs arise.
• No obligation & free to use — you decide whether to proceed after you receive offers.
• Confidential & safe — your details are only shared with selected partners relevant to your enquiry.

“We were matched to a finance broker who helped fund a new planter within weeks — no fuss.” — anonymised client example

Talk to a Specialist Agriculture Broker

Anonymous case snapshots

Dairy herd expansion

Challenge: rapid opportunity to purchase additional cows to increase output but limited cashflow.

Solution: introduced to a lender offering livestock and working capital finance structured around production cycles; funding released within 3 weeks.

Outcome: herd expanded, cashflow smoothed and repayments aligned with milk sales.

Combine harvester replacement

Challenge: ageing harvester impacting efficiency mid-season.

Solution: asset finance arranged on a hire purchase plan allowing immediate use with affordable monthly payments.

Outcome: higher yields due to reduced downtime and improved fuel efficiency; equipment paid down as trading improved.

How to start your enquiry

Ready to explore options? Follow these steps:

1. Click “Start Your Free Eligibility Check” and complete the short enquiry (under 2 minutes).
2. We check your details against our panel and introduce you to the most suitable lenders/brokers.
3. Expect a call or email shortly after — your enquiry does not affect your credit score.

Start Your Agriculture Loan Enquiry

Frequently asked questions

Is submitting an enquiry the same as applying for a loan?

No — it’s an information capture to help us match you. Only when you choose to proceed with a lender will formal applications and credit checks happen.

What loan sizes can you help with?

We handle enquiries for funding from around £10,000 upwards. For larger projects, our panel includes providers able to support multi‑million pound requirements.

Can you help with adverse credit histories?

Many of our partners consider businesses with past credit issues. Each case is different; providing full details helps us match you to lenders who may be able to help.

How long does funding take?

Introductions are quick, but funding depends on product type and documentation. Asset finance can sometimes complete in days; property and refinance can take several weeks.

Do you charge for your service?

No — our introduction service is free for businesses. Lenders or brokers may charge fees as part of their product terms which will be disclosed before you proceed.

Compliance & important information

Fast Business Loans is an introducer — we do not lend money and we do not provide regulated financial advice. Rates, terms and eligibility are set by the lenders and brokers we introduce you to and are subject to status and lender checks. Submitting an enquiry does not guarantee approval. Consider independent advice if you are unsure about taking on new finance.

All enquiries are handled securely and used only to match you with appropriate partners. Get Quote Now