Why UK Farming Businesses Use Fast Business Loans

Farming faces unique finance challenges: seasonal revenues, long lead times on equipment, rising input costs and investment needs for sustainability. Fast Business Loans helps farm owners save time and find the right finance partner by matching you with lenders and brokers who specialise in agricultural lending.

Sector-specific advantages

• Faster matches — we shortlist partners who understand farming cycles and asset-backed lending.
• Better fit — introductions to brokers/lenders experienced in tractor, machinery, land and livestock finance.
• No obligation — submitting an enquiry is an information step, not an application.
• Minimum loan amounts — we typically arrange facilities from £10,000 and up.

Important: Fast Business Loans is an introducer only; we do not lend or provide regulated financial advice. Use our free service to get connected and compare options without obligation. Start your Free Eligibility Check.

Common Funding Needs in UK Agriculture

Farmers commonly seek finance for short-term working capital through to large capital expenditure. Below are frequent use-cases we help with.

Working capital for seasonal cash flow

Bridge cash flow gaps between planting/harvest or while awaiting subsidy or contract payments. Short-term facilities can stabilise operations through peak months.

Machinery & equipment finance

Purchase or refinance tractors, combines, slurry tanks and specialist attachments. Asset finance and hire-purchase deals preserve cash while spread payments over useful life.

Livestock, feed & input costs

Short-term or revolving facilities to manage feed purchases, veterinary bills or changes in herd management.

Land improvements & sustainability projects

Funding for drainage, fencing, irrigation, renewable energy (solar, biomass), or precision farming equipment to improve yields and reduce long-term costs.

Share your funding needs and get matched with an agriculture finance specialist: Get Quote Now.

Types of Farm Finance We Can Introduce You To

Through our network you can be introduced to lenders and brokers offering a broad range of products. Below are typical options and when they’re useful.

Terms and availability vary by provider and farm circumstances — introductions help you compare real offers. Compare Eligible Farming Loan Options.

How Fast Business Loans Works for Farmers

Our process is designed to be quick and straightforward so you can focus on running your farm.

1. Complete the short enquiry form — tell us a few details about your business and funding needs (under 2 minutes).
2. We match you — we connect you with vetted lenders and brokers suited to agricultural requests.
3. Receive contact — a matched partner will get in touch to discuss tailored options.
4. Decide in your own time — review provider terms, ask questions, and proceed with any direct applications you choose.

Note: Completing the enquiry is not a loan application; it is a way for us to find the right partners for you. Start Your Free Eligibility Check.

Eligibility Snapshot: What Lenders May Ask For

Different lenders have different criteria, but below are common information requests you should prepare to discuss.

• Business structure and trading history (years trading, company details).
• Turnover and profitability or cashflow projections.
• Details of assets (land, equipment) for secured options.
• Existing borrowing and monthly repayments.
• Personal guarantees or director information where relevant.
• Subsidy or grant income (e.g., DEFRA payments) and seasonal forecasts.

Prepare your basic documents and complete a Free Eligibility Check: Talk to a Farming Finance Specialist Today.

Indicative Costs and Practical Considerations

Costs depend on product type, term, security and your credit profile. Below are the key cost drivers and an illustrative example.

What affects cost?

• Interest rate (variable vs fixed) and APR
• Arrangement, valuation and early repayment fees
• Loan term and repayment frequency
• Whether the loan is secured against assets

Illustrative example (for guidance only)

All figures are illustrative. Actual quotes depend on lenders’ underwriting. Request Your Personalised Quote.

Real-World Farming Finance Scenario

Situation: A mixed arable/dairy farm in the East Midlands needed a replacement combine and short-term cash for seed ahead of harvest.

Challenge: The farmer had seasonal cashflow pressure and needed equipment delivered within months.

Solution: After a short enquiry the farmer was introduced to an asset finance specialist and a working-capital broker. The specialist arranged a hire-purchase for the combine over 4 years while the broker secured a 9-month working capital facility to bridge the pre-harvest period.

Outcome: Machinery delivered on time and cash flow stabilised; the farmer avoided using overdraft facilities and kept credit lines available for other needs.

See your options in 24 hours: Get Started — Free Eligibility Check.

Support Beyond the Loan: Guidance and Resources

We can introduce you to partners who also advise on grants, subsidy interactions and sustainability funding. Useful external resources include DEFRA and industry bodies — consult them alongside lender discussions when planning major projects.

For sector-specific guidance, learn more about specialist farming loans and how lenders typically structure agricultural facilities.

Why Act Now?

Current pressures — higher input costs, equipment lead times and the push to greener farming — mean planning and timely funding are important. Securing quotes ahead of peak demand can reduce delays and lock in terms while you evaluate options.

We can’t predict rates, but we can quickly match you to lenders and brokers who will give you current market quotes. Secure Your Farming Finance Match.

Farming Finance FAQs

Is Fast Business Loans a lender or broker?

We are an introducer. We don’t lend or underwrite — we connect farming businesses with lenders and brokers who can provide finance directly. Submitting an enquiry is free and carries no obligation.

What loan amounts are typically available?

We focus on facilities of around £10,000 and upwards. Through our partners you can access a range from smaller asset finance deals to multi‑hundred‑thousand pound commercial loans, depending on circumstances.

Will completing an enquiry affect my credit score?

No — filling in our enquiry form does not affect your credit score. Lenders or brokers may carry out credit checks only if you progress to a formal application with them.

How quickly will I hear back once I submit an enquiry?

Many farmers hear from a matched partner within hours during business days; timing depends on provider workloads and the complexity of the request.

Can I get finance if I’ve had trading losses or prior refusals?

Possibly. Different lenders have different risk appetites. Our matching process aims to find partners with the right experience to assess your circumstances and propose viable options.

What documents should I prepare before speaking to a broker?

Typical documents include recent management accounts, bank statements, cashflow forecasts, asset lists and details of any existing finance. Having these ready speeds up the process.

Ready to check your eligibility? Complete a Free Eligibility Check.

Ready to Explore Your Farming Finance Options?

Fast Business Loans makes it simple to compare farming finance options. Complete our short enquiry and we’ll match you to the lenders and brokers best placed to help. There’s no cost and no obligation — just a quick way to find practical funding solutions for your farm.

Get started in minutes: Get Quote Now — Free Eligibility Check

Fast Business Loans is an introducer only. All finance is provided directly by lenders or brokers and subject to their assessment and terms.