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Agriculture Business Loans Made Simple | Fast Business Loans
Summary: Fast Business Loans helps UK farmers and agricultural SMEs find suitable business finance from a wide panel of lenders and brokers. We introduce businesses (for loans from around £10,000 upwards) to partners who specialise in working capital, equipment and asset finance, invoice finance, land improvement loans and sustainability funding. Submitting an enquiry is quick, free and does not affect your credit score — it’s not an application, it’s a way to get matched with the right providers.
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.
Fast Business Loans does not lend money. We act as an introducer, matching your farm or agricultural business with lenders and brokers who can offer tailored solutions. Ready to explore options? Get Started – Free Eligibility Check
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Why Agricultural Businesses Choose Fast Business Loans
We specialise in connecting UK farms and agricultural businesses with lenders and brokers who understand the seasonal cycles, capital-intensive machinery needs and price volatility of the sector. Instead of completing multiple lengthy applications, you complete one short enquiry and we match you to providers most likely to help — saving time and increasing your chances of finding suitable terms.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Common pain points we solve:
- Seasonal cash flow gaps between planting and sales
- Purchasing or upgrading tractors, combines and specialised kit
- Funding land improvements, slurry stores or irrigation systems
- Managing unpredictable commodity and input price swings
Check Your Eligibility in Minutes
What Type of Agriculture Finance Do You Need?
Our panel covers a broad range of agriculture finance solutions. Below are the most common types and when they typically help.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Working Capital Loans for Farms
Short to medium-term loans to cover seasonal operating costs — feed, seed, fertiliser, labour and contract work. Typical features:
- Amounts: from £10,000 upwards
- Terms: usually 6–36 months
- Suitable when cash flow timing is the main issue
Asset & Equipment Finance for Agricultural Machinery
Asset finance enables buying new or used tractors, harvesters and attachments with structured repayments tied to asset life.
- Amounts: typically £10,000 to £1,000,000+
- Options: hire purchase, finance lease, refinancing existing equipment
- Benefits: preserves working capital and spreads cost over productive life
Livestock Finance & Breeding Loans
Specialist facilities for purchasing breeding stock, genetics or managing herd replacements.
- Amounts vary by enterprise (sheep, beef, dairy, pigs)
- Lenders consider herd value, contracts and biosecurity plans
Agricultural Property & Land Improvement Finance
Funding for slurry stores, drainage, glasshouses, barns, yard resurfacing and productive land upgrades.
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
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.
- Amounts: medium to large-scale loans depending on project
- Security: land or property may be required in some cases
Invoice & Contract Finance for Produce Sales
Invoice finance unlocks cash tied up in unpaid invoices — useful when buyers are on extended terms or when contracts span months.
- Speeds up cash flow; particularly useful for larger contract growers and packers
Green & Sustainability Funding for Agri-Tech Upgrades
Finance to install solar irrigation, precision farming tech, efficient heating or water-saving systems — lenders increasingly have green products or can work with green grant schemes.
- May include favourable terms where sustainability improves long‑term margins
| Loan Type | Common Uses & Typical Ranges |
|---|---|
| Working capital | Seasonal inputs, payroll — £10k to £250k |
| Asset finance | Tractors, combines — £10k to £1m+ |
| Invoice finance | Release cash from sales invoices — facility sized to turnover |
| Property & land improvement | Buildings, drainage — £50k upwards |
| Green finance | Solar, irrigation upgrades — £10k to £500k |
Get Matched to the Right Agriculture Finance Partner
How Fast Business Loans Works for UK Agriculture
- Complete a short enquiry — tell us about your business, the amount required and the purpose (takes under 2 minutes). No obligation.
- We match you — your details are compared against lenders/brokers on our panel who specialise in agriculture finance.
- Partner contacts you — a broker or lender sends an indicative quote and explains next steps.
- Decide and proceed — compare offers, supply documentation and progress a formal application if you choose.
Basic information typically requested: company name, turnover range, loan amount, purpose, years trading and contact details. Start Your Enquiry – It’s Free
Eligibility & Documents: What Lenders Look For
Most lenders will assess business performance and the project’s commercial rationale. Even if you’ve had past rejections, our wide panel means alternative options may exist.
Basic Eligibility Checklist
- UK-based agriculture business or limited company
- Typical minimum loan size: around £10,000
- Some lenders will consider new projects; many prefer at least 6 months trading
- Clear purpose for the funds (asset purchase, working capital, improvements)
Key Financial Information to Have Ready
- Latest management accounts and balance sheets
- Recent bank statements (usually last 3–6 months)
- Sales contracts or forward pricing evidence (where relevant)
- Business plan and cash‑flow forecast for start-ups or diversifications
- For land/property finance: title details and any existing charges
Credit Profile Considerations
Submitting our enquiry does not affect your credit score. Initial matching is done on information you provide; lenders may perform soft checks or, later in the process, a hard credit search if you progress with an application. Be open about previous credit history — it helps us match you to the right partner.
Compliance note: Fast Business Loans is an introducer, not a lender or financial adviser. Always assess affordability and read lender terms carefully.
Benefits of Financing Through Our Lender & Broker Network
- Sector knowledge — partners experienced in horticulture, dairy, arable and mixed farms
- Access to niche lenders and specialist equipment funders
- Flexible structures for seasonal repayments and contract-linked income
- Support identifying suitable government or grant funding alongside loans
Speak to Specialists Who Understand Farming Finance
Real-World Agriculture Funding Scenarios
1. Arable farm upgrades combine harvesters
An arable business used asset finance to replace two combines and spread cost over five years. The asset lender structured payments around harvest income, preserving working capital for the season. Check my options
2. Dairy producer smooths contract payments
A dairy with variable milk payments used invoice and contract finance to bridge monthly shortfalls, enabling stable payroll and feed purchases until receipts arrived. Check my options
3. Grower installs solar irrigation
A horticulture business combined a green loan with a government grant and asset finance to fund solar-powered irrigation, reducing energy costs and improving margins. Check my options
Cost, Terms & Responsible Borrowing
Rates and fees vary widely by lender, loan size, security and credit profile. Typical effective rates for business loans and asset finance can range considerably — the best way to know is to compare tailored offers.
Factors affecting cost:
- Loan amount and term
- Security or guarantees provided
- Trading history and profitability
- Sector risk and contract-stability
Always read full terms, check total cost, and consider independent advice if unsure about affordability. Submitting an enquiry is free and non-binding; use it to compare without immediate commitment. Start Your Free Eligibility Check
How to Apply for an Agriculture Business Loan via Fast Business Loans
Follow these simple steps (total time: under 10 minutes):
- Complete our short enquiry form (2 minutes) — provide business details and funding needs. Get Quote Now
- We match your enquiry to suitable lenders/brokers and pass it to selected partners (1–2 days typical response time).
- A partner contacts you to discuss indicative options and documents needed (hours to 48 hours during business days).
- Choose to progress with a partner — they will perform any required checks and help submit a full application.
Your data is only shared with partners who can help with your request; it’s used to identify likely matches. Submitting an enquiry is not an application and will not commit you to a lender. Start Your Agriculture Loan Enquiry
Support Beyond Loans
Our partners can also help with refinance, growth capital, grant signposting and options for sustainability projects. If your project involves renewables or efficiency upgrades, mention this in your enquiry — there are specialised facilities and packages for green investments.
Explore more funding options or Start My Free Check.
Frequently Asked Questions about Agriculture Business Finance
Can new farms or start-ups apply?
Yes. Some lenders and brokers on our panel support start-ups and diversification projects. They may ask for a business plan, cashflow forecast and evidence of contracts or experience.
Do I need land as security?
Not always. Asset finance and invoice finance often require the asset or invoices as security. Land or property may be required for larger development loans. Terms depend on the lender’s risk appetite.
How quickly can funds be released?
Timescales depend on the product and complexity. Asset finance can complete within days; property or larger facilities may take weeks. After you submit an enquiry, partners typically respond within 24–48 business hours.
Will the enquiry affect my credit score?
No — our initial enquiry does not affect your credit score. Lenders may perform credit checks later in the application process if you decide to proceed.
What if I’ve been declined elsewhere?
Because we work with a wide panel, alternative options may still be available. Be transparent about past declines so we can match you to the most appropriate partners.
Can I finance specialist equipment (e.g., milking parlours)?
Yes. Many lenders provide specialist equipment finance for milking parlours, packhouses, glasshouses and bespoke machinery. Asset finance can be tailored to match useful asset life.
Are there green finance options for regenerative projects?
Yes — lenders and brokers increasingly offer sustainability-focused facilities, sometimes combined with grants. Mention energy or water efficiency measures in your enquiry.
What happens after I submit the enquiry form?
We match your details to relevant partners who will contact you with indicative options. If you like an offer, you can progress to full application with that provider — there’s no obligation to accept any offer.
Submit Your FREE Eligibility Check – No Obligation
Why Act Now?
Seasonal cycles, input price shifts and contract windows make timing important in agriculture. A quick enquiry today could uncover a finance structure designed to smooth cash flow, allow timely machinery replacement, or help you capitalise on a market opportunity. It costs nothing to check your options.
Ready? Complete a short enquiry and we’ll match you to lenders and brokers who understand farming. Get Started – Free Eligibility Check or call us at [phone number] / email [email address] to discuss alternatives.
– Is Fast Business Loans a lender for UK agriculture business loans?
No — we’re an introducer that matches UK farms and agricultural SMEs with specialist lenders and brokers via a free, no‑obligation enquiry (not an application).
– Will submitting the agriculture finance enquiry affect my credit score?
No, completing the quick eligibility check does not affect your credit score, and checks only occur later if you choose to proceed with a provider.
– What types of farm finance can you help me find?
We match you to working capital loans, asset and equipment finance, invoice and contract finance, livestock finance, property and land improvement loans, and green/sustainability funding.
– How much can I borrow and for how long?
Amounts typically start from around £10,000 and can reach £1,000,000+ for machinery, with 6–36 month terms common for working capital and longer terms for asset or property finance.
– How quickly can I access funds?
Partners usually respond within 24–48 business hours of your enquiry, with asset finance completing in days and larger property facilities taking weeks.
– Do I need land as security for an agriculture loan?
Not always, as asset finance often secures the machinery and invoice finance secures receivables, while land or property is typically required only for larger development loans.
– Can start-ups or diversification projects get farm finance?
Yes, some lenders support new ventures and diversifications, usually requesting a business plan, cash‑flow forecast, and evidence of contracts or relevant experience.
– What are the eligibility requirements for UK agriculture business loans?
You’ll generally need a UK-based farm or limited company, a clear funding purpose, a typical minimum loan of around £10,000, and ideally 6+ months trading (though some consider new projects).
– What will an agriculture business loan cost?
Pricing varies by product, loan size, term, security and credit profile, so comparing tailored quotes from matched lenders is the best way to see your likely rates and fees.
– Can repayments be structured around seasonal farm income?
Yes, many partners offer flexible or seasonal repayment structures aligned to harvest cycles or contract timings.