Above-the-fold value proposition

UK farming faces rising input costs, tighter margins and fast-moving opportunities — whether that’s upgrading machinery, bridging seasonal cashflow, or investing in sustainable tech. Fast Business Loans connects you with brokers and lenders who specialise in agricultural finance so you get relevant options quickly without endless searching.

• No obligation — free to use
• Sector-specific matching to lenders and brokers
• Typical loan sizes from £10,000 up to multi-million pound facilities
• Quick responses; initial enquiry won’t affect your credit score

Get Started – Free Eligibility Check (under 2 minutes)

Our role — how we help

Fast Business Loans is an introducer: we don’t lend or provide regulated financial advice. Instead we use a short enquiry to match your business to brokers and lenders likely to offer suitable terms for your circumstances. We follow clear, fair and transparent principles in our communications so you know what to expect.

Typical steps:

1. Complete a short enquiry with basic business details.
2. We identify suitable partners from our panel.
3. Brokers or lenders contact you to discuss options and documentation.
4. You compare offers and decide — no pressure to proceed.

Trust markers: secure data handling | no-obligation service | fast matches.

Funding pressures in UK agriculture

Farms and rural businesses are under several funding pressures: rising energy and feed costs, increased prices for new machinery, and the need to meet environmental standards — all while managing seasonal cashflow. These pressures make it vital to access the right finance quickly and from lenders that understand agricultural cycles.

Rising operating costs

Fertiliser, fuel and labour costs have increased volatility in recent years. That puts pressure on working capital and can create short-term liquidity gaps.

Modernisation & sustainability targets

Investments in renewable energy, precision machinery or low-emission vehicles can require significant upfront capital even where longer-term savings exist.

Seasonal cashflow gaps

Harvest cycles and delayed payments from buyers create predictable but challenging cashflow swings that many lenders will consider when structuring facilities.

Tip: have recent accounts and bank statements ready — it speeds up lender assessment.

Finance solutions we can connect you to

We work with brokers and lenders offering a spectrum of agricultural funding. Below are common options with typical purposes and ranges:

Term loans for farm expansion

Purpose: land improvement, buildings, diversification projects. Typical sizes: from £10,000 to several hundred thousand pounds or more depending on security and project.

Asset & equipment finance

Purpose: tractors, harvesters, milking parlours, processing equipment. Options include hire purchase, finance leases and chattel mortgages so you can spread cost without large upfront capital.

Invoice & cashflow finance

Purpose: unlock cash tied in unpaid invoices or seasonal receivables. Useful for smoothing payroll and input costs through busy seasons.

Agricultural vehicle & fleet finance

Purpose: HGVs, trailers, on-farm transport. Finance structures can include leases and asset-backed loans.

Specialist & government-linked schemes

Purpose: sustainability upgrades, grants and partially-guaranteed loans. Brokers can advise on eligibility and availability alongside commercial options.

Remember: lender terms vary. Always review interest, arrangement fees, early repayment terms and security requirements before agreeing.

How our matching process works

We designed the process to be simple and fast:

1. Enquiry — a short online form with business type, funding need and contact details.
2. Match — we select brokers/lenders from our panel who suit your sector and needs.
3. Contact — partners reach out to discuss terms, verify details and request documents.
4. Decide — you compare offers and choose the right route.

Typical response time: often within hours during business hours. Initial enquiries do not involve a hard credit search.

Free Eligibility Check — start your quick enquiry now.

Eligibility snapshot — what lenders typically look for

Every lender has different criteria. Below is a snapshot of common requirements — this is indicative, not exhaustive.

Business profile

Most lenders will consider limited companies and established farm enterprises. They typically prefer a trading history, but some specialist partners work with newer businesses when security or strong projections are present.

Financials & security

Key factors include turnover band, net profitability, bank statements and whether assets (equipment, property) are available as security. Personal guarantees may be requested depending on the lender and size of the facility.

Documentation

Prepare recent accounts (or management accounts), business bank statements (3–6 months), cashflow forecasts and asset lists to speed the process.

Note: submitting an enquiry does not constitute a loan application and does not guarantee an offer.

Rates, terms & repayment expectations

Rates depend on many factors: loan size, term, security, credit profile and lender type (specialist vs mainstream). As a guide:

• Secured long-term loans: tend to have lower interest than unsecured facilities but require acceptable security and longer decision times.
• Asset finance: often structured with fixed monthly payments tied to the asset’s useful life.
• Invoice finance & short-term facilities: can be priced higher but provide immediate liquidity.

Always compare representative APRs, arrangement fees and early repayment charges. Brokers introduced via our service can help break down total cost of credit so you can compare like-for-like.

Important: ensure any loan is affordable. Late payments can affect business credit profiles and personal credit where guarantees apply.

Why choose Fast Business Loans for agricultural finance

Sector expertise

We specialise in connecting agricultural businesses to partners who understand seasonal cycles, equipment lifecycles and rural business models.

Speed & simplicity

Save time: one short enquiry and you’re connected to the lenders/brokers most likely to help.

Transparent & free

Our service is free to use and there is no obligation after you submit an enquiry. We only share your details with relevant partners who may contact you to discuss options.

Learn more about sector-specific options on our agriculture pillar page: agriculture business loans.

Case snapshots (illustrative)

Dairy farm: milking equipment upgrade

Challenge: ageing parlour and rising energy costs. Outcome: matched to a specialist equipment finance broker who arranged a hire purchase package covering 80% of equipment cost; repayments aligned to projected milk price increases. Timeline: enquiry to approved offer in 3 weeks.

Arable farm: seasonal bridge finance

Challenge: timing gap between harvest and contracted grain payments. Outcome: matched to an invoice finance provider that released funds against stored crop contracts, smoothing cashflow through the next sowing season. Timeline: cash within 48–72 hours of documentation.

Illustrative only — individual results vary.

Checklist: preparing for your enquiry

Having the following ready will speed matching and decision-making:

• Basic company details and contact information
• Amount required and intended use (equipment, working capital, refinance)
• Recent business accounts or management accounts
• 3–6 months of business bank statements
• List of assets you can offer as security (if any)
• Cashflow forecast (if available)

Minimal details are required to start — you can provide more once a broker/lender makes contact.

Ready for a Free Agriculture Finance Eligibility Check?

Start with a short, no-obligation enquiry and we’ll match you to specialist lenders and brokers who can help fund tractors, plant, energy upgrades, seasonal working capital and more. The process is quick and won’t affect your credit score.

Get My Agriculture Finance Options

FAQs

Can start-up farms apply?

Yes — some of our partners specialise in new or growing agricultural ventures. Eligibility often depends on the project, security and projected cashflows.

Do you work with sustainable agriculture projects?

Yes — brokers on our panel can advise on finance for renewable energy, low-emission machinery and other sustainability upgrades, including routes that combine grants with commercial finance.

How quickly could funds be released?

Times vary by product: short-term cashflow facilities can release funds within days, while secured term loans or government-linked schemes may take several weeks to complete underwriting and legal steps.

Will my enquiry affect my credit score?

No — submitting our initial enquiry is not a credit application and does not trigger a hard search. Partners may perform credit checks later if you progress an application.

Are your lending partners regulated?

We connect you with a wide panel of brokers and lenders. Regulation status varies by provider; brokers will make clear any relevant regulatory status during discussions.

What happens after I submit the form?

We match your enquiry to relevant partners who may contact you by phone or email to discuss options and request documents. You choose whether to proceed with any offer.

Compliance & transparency reminder

Fast Business Loans is an introducer — we are not a lender and we do not provide regulated financial advice. We aim to be clear, fair and not misleading in our communications. Before accepting any finance you should consider affordability and, where appropriate, take independent financial advice.

For full details on how we handle data and our terms, please see our Privacy Policy and Terms & Conditions linked in the site footer.

Get started — match with specialist agriculture lenders and brokers

Complete a short enquiry now. It takes under 2 minutes, won’t affect your credit score, and it connects you to the partners who can deliver the right agricultural finance for your business.

Get Quote Now — Free Eligibility Check