Flexible Funding for UK Farmers, Delivered Fast

Running a farm means balancing seasonal peaks, high input costs and the need to invest in productive, low‑carbon equipment. Fast Business Loans helps busy farmers save time by matching them with lenders and brokers experienced in agriculture finance. We specialise in connecting arable, livestock, horticulture and agri‑tech businesses with suitable funding partners.

Our service is free, quick and no obligation — the enquiry is not an application and will not affect your credit score. Typical funding starts at £10,000 and can support small upgrades through to major capital projects.

Get Started – Free Eligibility Check (a short form that takes around 2 minutes)

Why Farmers Need Smarter Finance in 2024

Farming faces increasing cost pressures and volatility. Rising energy, feed and fertiliser costs, coupled with unpredictable weather and market movements, make flexible finance essential.

Rising Input Costs & Market Volatility

Input price inflation squeezes margins. Finance can bridge short-term gaps and help refinance expensive existing debt into better-structured facilities.

Seasonal Cash Flow Pressures

Seasonal receipts (milk, grain, contract payments) often don’t match immediate outgoings. Working capital and invoice finance help smooth cash flow through the year.

Modernisation & Sustainability Goals

Investing in precision tech, renewable energy (solar, biogas), or electric vehicles can reduce long‑term costs and increase output — but requires upfront capital. Specialist lenders now offer tailored facilities for sustainability projects.

For more detail on sector-specific options, see our pillar resource on farming loans: farming loans.

How Our Farming Loan Matching Works

We act as an introducer — not a lender. Our role is to match your requirements to lenders and brokers who understand farming.

Four simple steps from enquiry to lender intro

1. Complete a short enquiry form with basic business details and funding needs.
2. We match your case to selected lenders or brokers based on size, sector and product.
3. Partners contact you with a free eligibility check and indicative options.
4. You compare offers and decide which lender to progress with — there is no obligation to proceed.

Free Quote from Specialist Lenders

Types of Farming Finance We Can Help You Secure

Working Capital & Cash Flow Loans

Short- to medium-term loans for seasonal input costs, labour, or bridging payment gaps. Typical sizes: £10k–£250k. Lenders assess turnover, seasonal patterns and contracts. Terms vary — some facilities are flexible for seasonal redraws.

Asset & Equipment Finance (Tractors, Combines, Precision Tech)

Hire purchase, lease or asset refinance lets you spread the cost of machinery. Finance often available for both new and used equipment; terms typically 2–7 years. Some lenders will refinance existing hire‑purchase agreements.

Livestock & Stocking Loans

Facilities to purchase or maintain breeding stock, finishers or store lambs/pigs. Lenders consider herd/flock performance and markets. Security may include the livestock or other farm assets.

Invoice Finance for Agricultural Contracts

Unlock cash tied in unpaid invoices for contractors or agribusinesses working on supply contracts. Useful where payment terms are long or seasonal.

Commercial Mortgages & Land Purchase

Longer-term borrowing for land or buildings. Loan sizes can range into the millions; criteria focus on business plans, rental income (if any) and asset value. Security is commonly taken over the property.

Sustainability & Renewable Energy Funding

Funding for solar, anaerobic digestion, EV chargers, heat pumps and efficiency upgrades. Some lenders offer green‑focused terms and grants can sometimes be blended into finance packages.

All figures are indicative. Lender eligibility, rates and security requirements vary. Fast Business Loans only introduces you to providers — final terms are agreed directly between you and the lender/broker.

What Lenders Typically Look For

Understanding common lender checks speeds up the process and improves the chance of receiving competitive offers.

Key information to have ready

• Business trading history and legal structure (company details).
• Latest farm accounts, management accounts or an accountant’s summary.
• Turnover and cash‑flow forecasts (seasonal projection helps).
• Details of assets you may offer as security (land, buildings, machinery).
• Contract copies, BPS/SFI statements or other agricultural payments if relevant.
• Details of any existing loans, CCJs or insolvency history — transparency helps.

New‑entrant or start‑up farms may still access finance through alternative underwriting criteria or guarantors; we can help connect you to specialists who assess potential rather than only historical accounts.

Funding Solutions by Farm Type

Arable & Horticulture

Equipment finance for planters, sprayers and storage; seasonal working capital for harvest handling and contractor payments.

Livestock & Dairy

Stocking loans, working capital to manage milk price volatility, and funding for slurry, housing upgrades and cold storage.

Mixed Farming

Flexible packages that combine asset finance and working capital to manage diverse seasonal cycles.

Agri‑tech & Controlled Environment Agriculture

Finance for precision farming, irrigation systems, greenhouses, vertical farms and automation — lenders are increasingly comfortable funding tech that demonstrably raises yields or reduces costs.

Diversified Enterprises (Farm Shop, Tourism, Processing)

Fit‑out finance, commercial loans for buildings conversion, or equipment funding for small processing lines and retail areas.

Real-World Result: £350k Upgrade for a Yorkshire Mixed Farm

Challenge: seasonal cashflow squeeze and ageing machinery limited capacity during harvest. The farm needed £350,000 to buy a new combine and upgrade grain storage.

Solution: Fast Business Loans matched the owner with two specialist agricultural lenders and an asset finance broker. Within 10 days the farm received two viable offers; the owner selected a hire‑purchase package that preserved working capital.

Outcome: Harvest capacity increased by 30% and storage losses reduced, improving cashflow the following season. Past performance is not a guarantee of future results; outcomes vary by case.

Talk to Agriculture Finance Specialists – Enquire Now

Why UK Farmers Trust Fast Business Loans

• Specialist lender panel with experience across farming sectors.
• Fast response times — real people review your enquiry.
• Free to use and no obligation to proceed after being matched.
• Secure handling of information and a focus on matching the right partner to your needs.
• Help even when previous finance applications have been declined — we find alternative routes where possible.

What to Expect Once You Submit Your Farming Loan Enquiry

Typical timeline: initial contact from one of our matched partners within hours to a couple of working days. Partners may request further documents to provide an indicative offer. Any formal application, credit checks or valuations will be performed by the lender you choose to proceed with.

You remain in control — you can accept, compare or decline any offers. Fast Business Loans is an introducer that helps you find lenders and brokers; we do not provide finance ourselves.

Tips to Strengthen Your Farming Loan Application

Plan Cash Flow Projections

Provide a clear seasonal cashflow forecast showing receipts and outgoings for at least 12 months.

Demonstrate Risk Mitigation & Diversification

Show contracts, insurance policies, and diversification plans (e.g., processing, tourism or renewable income) to reduce perceived risk.

Stay on Top of Regulatory Schemes

Keep supporting documents for BPS/SFI or any grant funding up to date — these can support eligibility and collateral assessments.

Consider taking independent advice from your accountant or farm adviser for complex transactions.

Important Information

Fast Business Loans introduces businesses to lenders and brokers; we are not a lender or a regulated financial adviser. Any offers you receive will be from the lender or broker and are subject to their checks and terms. Loan offers are subject to status and may require security or personal guarantees. Secured lending can put your property or business assets at risk — consider independent advice where appropriate.

Farming Finance FAQs

Is Fast Business Loans a lender?

No. We introduce you to lenders and brokers who provide funding directly.

Will an enquiry affect my credit score?

No. Submitting an enquiry does not affect your credit file. Lenders may carry out credit checks only if you proceed with an application.

Can I access funding while awaiting Basic Payment Scheme funds?

Yes — some lenders offer bridging or crop finance against expected payments, but eligibility depends on documentation and lender appetite.

Do you help seasonal or projected income-based loans?

Yes. Many agricultural lenders consider projected seasonal income when assessing facilities; clear forecasts help.

Can start-up farms apply?

We can introduce you to partners that specialise in new‑entrant or start‑up farm finance, though terms and security requirements may differ from established farms.

How quickly can funding be arranged?

Speed depends on the product: simple working capital funding can be arranged in days; larger secured mortgages or complex asset deals may take several weeks.

Do you charge farmers for this service?

Fast Business Loans is free for business owners to use. You only enter into any fees if you agree terms with a lender or broker who charges for their services.

Ready to Explore Your Farming Finance Options?

If you need funding from £10,000 upwards for machinery, working capital, land, or sustainability projects, our specialist partners can help. Complete a short enquiry and we’ll match you with lenders and brokers who understand UK agriculture.

Get My Farming Loan Quote – 2‑Minute Form

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