Summary: Fast Business Loans helps UK farming businesses find suitable finance by introducing them to specialist lenders and brokers. We do not lend ourselves — we match limited companies, partnerships and farm businesses seeking £10,000+ with lenders that understand seasonal cashflow, equipment costs and land/asset security. Submit a Free Eligibility Check to get matched quickly; there’s no obligation and your initial enquiry won’t affect your credit score.
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.
Farming Business Loans for UK Agriculture | Fast Business Loans
Farming runs on cycles: seasonal income, large one‑off equipment purchases and unpredictable commodity prices create funding needs that differ from other sectors. Fast Business Loans connects UK farm businesses with lenders and brokers who specialise in agriculture finance — from asset and equipment funding to seasonal working capital and land finance. We don’t provide loans; we match your business with the providers most likely to help you secure finance quickly and efficiently.
Get Started – Free Eligibility Check (takes under 2 minutes; no obligation and no immediate credit search).
Trust note: Our matching service is free to use. We will only share your details with selected lenders/brokers who can help your farm secure funding. Final lending decisions rest with those lenders.
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.
Why Farmers Choose Fast Business Loans
- Sector-aware lender matching — we connect you with providers who understand agriculture cycles and seasonal cashflow.
- Speed — quick enquiries produce rapid matches and often same‑day contact from brokers.
- Free and no obligation — you can compare options without commitment.
- Vetted partners — we only introduce lenders/brokers with proven experience in farm finance.
If you want a fast comparison of suitable farm funding options, start a Free Eligibility Check.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
What Is a Farming Business Loan?
A farming business loan is a commercial facility structured to support agricultural activities. Unlike grants, loans must be repaid and can be secured against business assets such as land, buildings, livestock or machinery. Lenders offer a range of products from short-term cashflow facilities to long-term mortgages for land purchase.
Typical uses on UK farms
- Purchasing tractors, combines and specialist machinery
- Funding seasonal inputs (seed, fertiliser, feed)
- Buying or improving farmland, buildings or yards
- Refinancing existing debt to improve monthly cashflow
- Investing in renewable projects (solar, AD plants) or diversification (farm shops, visitor facilities)
Can You Get Farming Finance Through Us?
We introduce finance for UK farming businesses that are structured as limited companies, partnerships (including LLPs) and other commercial farming entities. Our partners typically consider requests from £10,000 upwards. We cannot guarantee approval — each lender sets their own criteria and will assess your application based on its commercial merits.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Ready to see what options might be available? Free Eligibility Check.
Types of Agriculture Finance We Can Introduce
Asset & Equipment Finance
From tractors to milking parlours, asset finance (hire purchase, leasing) lets you buy equipment while spreading cost. Typical sizes: £10k–£500k+, terms 1–7 years. Lenders consider asset age, lender advance and business cashflow.
Working Capital & Cashflow Loans
Short-to-medium term loans to cover seasonal gaps or unexpected cashflow needs. Typical sizes: £10k–£250k, often with flexible repayment schedules and seasonal payment holidays.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Invoice Finance for Produce Contracts
If you sell produce on invoice, invoice finance unlocks working capital tied to unpaid invoices or contracted receivables. Useful when dealing with longer buyer payment terms.
Commercial Mortgages & Land Purchase
Longer-term borrowing to buy or refinance land, barns or commercial farm property. Typical loan sizes vary widely; repayment terms 10–25 years. Lenders will assess security, land usage and long-term viability.
Renewable Energy & Sustainability Loans
Funding for solar, anaerobic digestion or energy efficiency projects. Lenders often offer product-specific rates and longer repayment periods linked to projected energy savings or feed‑in revenues.
Livestock & Seasonal Input Finance
Specialist facilities to fund livestock purchases, feed and seasonal inputs. These products recognise cyclical income and may include flexible drawdown options.
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.
How Our Free Farming Finance Matchmaking Works
- Complete a short enquiry (business details, funding need — under 2 minutes).
- We match you with 1–3 lenders or brokers from our panel who specialise in farming finance.
- Partners contact you directly to discuss terms, perform any necessary checks and progress an application if you choose.
- You compare offers and decide — there’s no obligation to proceed.
Most matches produce initial contact within a few hours during business days. Your enquiry does not affect your credit score at the matching stage.
Eligibility Snapshot & What Lenders Look For
Lenders vary, but the most common underwriting factors are:
- Trading history and proven farm income
- Annual turnover and gross margin
- Profitability or realistic projections for seasonal businesses
- Credit profile (business and directors)
- Available security — land, buildings or machinery
- Business plan for expansion or diversification projects
| Criteria | What Helps | What to Prepare |
|---|---|---|
| Trading history | 3+ years trading, contracts | Accounts, tax returns |
| Turnover | Consistent seasonal revenue | Management accounts, bank statements |
| Security | Owned land/equipment | Asset list, valuations |
| Credit | Clean business/director credit | Disclosure of recent adverse items |
Note: some lenders may ask for personal guarantees or additional security for certain products.
Preparing Your Farming Loan Application
Being organised speeds up decisions. Typical checklist:
- Latest accounts and tax computations
- Management accounts and bank statements (3–12 months)
- Asset schedule (make/model/age/value)
- Cashflow forecast covering seasonal peaks and troughs
- Details of any grants, subsidies or supply contracts
Tips to speed approvals
Use digital records, obtain professional valuations for high-value kit and prepare a short project summary explaining how funds will be used and repaid. Our introducer team can help package your enquiry for the lenders we send it to.
Cost, Rates & Repayment Considerations
Rates and fees vary by product and risk profile. Expect:
- Variable or fixed interest rates — product dependent
- Arrangement fees or broker fees (these may be paid by lenders or charged separately)
- Possible early repayment charges on some contracts
- Seasonal repayment holidays on working capital facilities
We do not set rates — lenders do. Fast Business Loans is free to use; we may receive a commission from our partners when a deal completes. Always compare total cost of credit and repayment schedules, and confirm all fees with the lender before proceeding.
Farming Loan Scenarios We See Every Day
Illustrative example — Dairy herd expansion
A dairy limited company needed £120,000 to buy additional heifers and increase throughput. We matched them with a lender offering a 4‑year asset-backed working capital facility with seasonal repayment flexibility. Result: herd increased, cashflow smoothing through out‑of‑season months.
Illustrative example — Arable cashflow gap
An arable partnership required £60,000 to cover seed and fertiliser ahead of harvest. Invoice finance against contracted grain sales provided immediate liquidity; fees were structured to align with harvest receipts.
Illustrative example — On‑farm solar installation
A farmer wanted to install rooftop solar to cut energy costs. We introduced renewable finance specialists who offered a term loan sized to the project that balanced expected energy savings with repayments.
Illustrative figures are for guidance only; actual offers depend on lender assessment.
Why Use a Broker/Introducer Rather Than Doing It Alone?
Working with a broker or introducer saves time and increases access to specialist lenders you may not find yourself. Benefits include:
- Access to niche lenders with agriculture expertise
- Faster shortlisting and fewer unsuitable applications
- Help preparing documents and presenting the case
Fast Business Loans does not provide regulated advice — we introduce and match. You should assess affordability before accepting any loan. Start Your Enquiry
Compliance, Transparency & Data Protection
Fast Business Loans acts as an introducer — we do not lend or underwrite. We aim to be clear and fair in all communications and will only share your details with partners who can help with your funding request. Submitting an enquiry is free and non‑binding; it will not affect your credit score at the matching stage.
We share data only with selected lenders/brokers on our panel and store it securely. For full details see our Privacy Policy and Terms (link in the site footer).
Farming Finance FAQs
Are farming loans available for new entrants?
Yes — some lenders specialise in supporting new entrants, though they may require solid projections, security or guarantors.
Can I apply with recent adverse credit?
Possibly. Different lenders have different risk appetites. Being transparent about past issues and providing strong supporting documents improves your chances.
Do I need land as security?
Not always. Equipment finance may be secured against the asset financed. Land is often used for commercial mortgages but is not a universal requirement.
How quickly can funding be arranged?
Timescales vary: simple asset finance can complete within days; commercial mortgages and complex facilities may take weeks. Our partners aim to contact you rapidly after enquiry.
Will the enquiry affect my credit score?
No — the initial matching enquiry does not hurt your credit file. Lenders may perform credit checks later if you progress an application.
Do you charge any fees?
Fast Business Loans does not charge business owners for introductions. Some lenders or brokers may charge fees; these will be disclosed by them before you agree to proceed.
Have more questions? Get a Free Eligibility Check and a partner will advise on next steps.
Get Started With a Free Farming Finance Eligibility Check
Quick, non‑binding and secure — tell us a little about your farm and funding need and we will match you with lenders/brokers who understand your sector. Typical details required: business name, annual turnover, amount needed (from £10,000), how funds will be used and a contact number.
Get Quote Now — it takes under 2 minutes.
“Client feedback received June 2024: ‘Fast Business Loans matched us with a broker who understood dairy seasonality — we had an offer within 48 hours.’ (Name changed for privacy.)”
1) What is a farming business loan?
A farming business loan is commercial finance tailored to agriculture, repaid over time and often secured against land, buildings, livestock or machinery.
2) Is Fast Business Loans a lender?
No — Fast Business Loans is an introducer that matches UK farm businesses with specialist lenders and brokers.
3) Is the enquiry form an application?
No — the quick enquiry is a free, no‑obligation eligibility check used to match you with suitable lenders/brokers.
4) Will the free eligibility check affect my credit score?
No — the matching stage does not impact your credit file; lenders may run checks only if you choose to proceed.
5) What types of farming finance and typical amounts/terms are available?
We can introduce asset and equipment finance, working capital and seasonal loans, invoice finance, commercial farm mortgages, renewable energy and livestock/input finance, typically from £10,000 with terms from 1–25 years depending on product.
6) Who can apply and what do lenders look for?
UK farming limited companies and partnerships can apply, and lenders assess trading history, turnover/margins, profitability or projections, credit profile, available security and business plans, with some considering new entrants or adverse credit given strong cases.
7) Do I need land or other security for a UK agriculture loan?
Not always — equipment can often be secured against the asset, land/buildings are common for mortgages, and some facilities may require personal guarantees.
8) How quickly can funding be arranged for farms?
Simple asset or working capital facilities can complete in days, while land mortgages or complex deals may take weeks, with initial broker contact often the same day.
9) What documents should I prepare for a farming loan?
Have recent accounts and tax computations, 3–12 months’ bank and management accounts, an asset schedule, a seasonal cashflow forecast, and details of any grants, subsidies or supply contracts.
10) What costs, rates and fees should I expect?
Rates and fees are set by lenders and may include fixed or variable interest, arrangement or broker fees, possible early repayment charges, and seasonal repayment options, so compare total cost before proceeding.