At-a-Glance: Farming Finance Support with Fast Business Loans

Fast Business Loans helps farming businesses across the UK find tailored finance options. We match your enquiry with specialist brokers and lenders who understand agricultural cycles, seasonal cash flow, and the types of security and paperwork commonly accepted for farm businesses.

Match Me with Farming Finance Experts

Why Farmers Choose Fast Business Loans

Trusted panel & sector knowledge

• We connect you to brokers and lenders experienced in agriculture finance.
• Partners understand seasonal income, subsidy timings and farm assets.
• We aim to reduce time spent searching for suitable providers.

Free, no‑obligation matching

Our enquiry form is short and informative — it helps us identify the right partners. Completing it is a no‑obligation step and does not perform a credit search. Lenders may carry out checks only if you progress with them.

Clear and transparent

We explain how your details will be used and who may contact you. Fast Business Loans is an introducer, not a lender or adviser — you receive proposals directly from lenders or brokers so you stay in control.

What Can Farming Loans Cover?

Farm finance is flexible and can be used for many farming needs. Examples include:

• Working capital & seasonal cash flow — bridge gaps between input costs and harvest or subsidy receipts.
• Livestock purchase or replacement — financing for herds, flocks or replacements after disease/loss.
• Equipment & asset purchases — tractors, combines, milking parlours, trailers via asset finance.
• Land improvements & buildings — storage, barns, irrigation, yards and access works.
• Agri‑tech & sustainability — solar PV, water‑saving systems, anaerobic digestion and efficiency upgrades.
• Diversification projects — farm shops, glamping pods, visitor facilities and value‑add ventures.

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Popular Finance Types for UK Farms

Asset & Equipment Finance

Asset finance lets you spread the cost of tractors, machinery and specialist equipment. Options include hire purchase and finance leases for new or used items.

Commercial Loans & Mortgages

Secured loans and commercial mortgages can be used for land purchases, conversions or larger investment projects. Terms depend on security and lender criteria.

Invoice & Supply Chain Finance

Invoice finance and factoring release working capital from unpaid invoices—helpful for supply contracts with processors and retailers.

Green & Sustainability Funding

Specialist lenders support renewable installations and energy‑saving projects; some lenders offer longer terms for income‑generating assets.

Availability and terms vary by lender and business circumstances; matching helps find lenders most likely to consider your case.

How Our Farming Loan Matching Works

Step 1 – Quick enquiry form

Tell us about your farm, the finance amount and purpose, and contact details. The form is for matching information only — it’s not an application.

Step 2 – Smart matching

We connect your details to brokers and lenders who specialise in the farming sector and the type of finance you need.

Step 3 – Personalised proposals

Selected partners contact you with possible solutions. You receive multiple options where suitable, so you can compare.

Step 4 – You choose

Decide which lender or broker to proceed with. Any formal offers and credit checks are handled by the lender at your instruction.

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Eligibility Snapshot & What Lenders Look For

Each lender has their own criteria, but commonly considered items include:

• Trading history and length (many lenders prefer established operations, though options exist for newer enterprises).
• Annual turnover and profitability.
• Security offered (land, buildings, equipment) and personal/corporate guarantees where required.
• Credit history — past difficulties don’t always mean no, but honesty speeds matching.
• Sector and enterprise type (dairy, arable, horticulture, mixed, etc.).

If you run a mixed enterprise, lenders commonly assess combined income streams; telling us accurate details helps identify the most relevant partners.

Cost, Rates and Repayment Considerations

Rates and fees depend on loan type, amount, term, security and a lender’s assessment of risk. When comparing options look at:

• Interest rate type (fixed or variable).
• Arrangement and administration fees.
• Early repayment charges or penalties.
• Repayment profile (capital and interest vs interest‑only for a period).

We’ll help you receive proposals you can compare — never accept an offer without reviewing total cost and any long‑term commitments with the lender or their broker.

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Success Snapshot: UK Farms We’ve Helped

Each case is different; matching aims to surface viable options quickly so you can make an informed decision.

Why Timing Matters in Farming Finance

Farming is seasonal: securing funding in time for planting, lambing/calving, or before subsidy deadlines can affect outcomes. Starting the enquiry early — and having key documents ready — helps speed matching and decision timelines.

What Happens After You Apply?

After you submit the enquiry form:

1. Relevant partners review the information and contact you to clarify details.
2. They may request financials, bank statements, asset valuations or business plans.
3. If you choose to proceed, lenders may perform affordability and credit checks as part of their assessment.

You remain in control — any formal application or credit search only takes place when you instruct the lender or broker to proceed.

Alternative & Complementary Funding Routes

Grants and government support (for example, DEFRA or RPA schemes) can complement loans. Often grants fund part of a project and lending covers the remainder. For official guidance, check GOV.UK resources on agricultural grants and support.

Fast Business Loans helps identify finance that can bridge gaps where grants are insufficient or delayed.

Ready to Explore Your Farm Finance Options?

Complete a short enquiry so we can match you with experienced farming finance partners. Our service is free and designed to help you get quotes quickly — it’s information to help match you, not an application.

Get Started – Free Eligibility Check

Farming Loan FAQs

How quickly can I secure farming finance after submitting an enquiry?

Matched brokers commonly respond within a few hours during business days. Funding timelines vary by lender, loan type and how quickly documents are supplied — some smaller asset finance deals can be arranged within days; larger secured mortgages take longer.

Do you work with tenant or new entrant farmers?

Yes. Many partners consider tenant farmers, new entrants and diversified enterprises. Eligibility and terms vary, but matching increases the chances of finding a lender who understands your situation.

Can I apply if my farm has had a poor season or past credit issues?

Yes — we work with brokers who specialise in more complex cases. Being upfront in your enquiry helps us match you to lenders likely to consider your circumstances.

What information will the broker need?

Typically: basic business details, turnover, loan amount/purpose, asset details and recent bank statements. Brokers will tell you exactly what each lender requires when discussing options.

Does Fast Business Loans earn commission from brokers or lenders?

We are paid by our partners for introductions when a business owner completes the enquiry and proceeds with a lender/broker. This does not change your cost — fees and rates are set by the lender.

Will making an enquiry affect my credit score?

No. Completing our enquiry form does not perform a credit search. Any credit checks only occur if you proceed with a lender and agree to their checks.

How do you protect my data?

Your information is handled securely and shared only with selected partners that may be able to help. See our privacy policy for full details. By completing the enquiry you consent to us sharing details with relevant lenders/brokers.