Farming Finance at a Glance

Quick facts for busy farmers:

• Loan sizes: from £10,000 upwards (typical ranges up to several million depending on purpose and security).
• Typical terms: short-term bridging to long-term property or asset finance — terms vary by product.
• Match time: you’ll often hear from a matched broker or lender within hours or the next working day.

Get a Free Eligibility Check — complete a short enquiry and we’ll match you with lenders or brokers who specialise in agriculture.

Why Access to Farm Finance Matters Now

UK farms face tight margins and seasonal cashflow swings. Rising input costs, equipment replacement needs and opportunities for diversification — including renewable energy and direct-to-consumer projects — make accessing the right finance critical. Whether you need working capital to bridge harvest gaps, refinance existing facilities or invest in productivity-enhancing machinery, the right product at the right time keeps your business competitive.

If you’re unsure what type of funding suits your farm, start a Free Eligibility Check and get tailored options fast.

How Fast Business Loans Helps Farmers

Transparent Introducer Service

We don’t lend money or give regulated financial advice. Instead, we act as an introducer: you tell us your needs and we match your business to lenders and brokers with relevant experience in agriculture.

Specialist Agriculture Broker Network

Our panel includes brokers and lenders who understand seasonal incomes, asset lifecycles and the practicalities of farming enterprises — from dairy and arable to mixed and livestock operations.

No Cost, No Obligation

Submitting an enquiry is free and doesn’t obligate you to proceed. It does not affect your credit score; any credit checks happen only with lenders if you choose to progress an application.

Tailored Farming Finance Solutions We Can Help You Explore

Tell us what you need and we’ll match you to lenders/brokers who specialise in:

• Asset & equipment finance — tractors, combines, milking parlours, irrigation systems. Preserve cash while upgrading machinery.
• Livestock & bloodstock funding — bridging or longer-term finance for herd purchases or breeding stock.
• Seasonal working capital — short-term loans structured around harvest cycles and input timing.
• Property, land purchase & diversification loans — funding for land acquisition, barns or conversion for new enterprises.
• Sustainability & renewable projects — solar, anaerobic digestion, heat pumps and energy-efficiency upgrades.
• Invoice & milk cheque finance — unlock cash tied up in invoices or milk payments to improve liquidity.

For a focused starting point, complete our short form to Get Quote Now and see which solutions fit your plan.

What Lenders Typically Look For (Eligibility & Documentation)

Lenders assess applications differently, but common requirements include:

• Business profile: company structure, years trading, sector (dairy, arable, mixed, etc.).
• Financials: recent accounts, cashflow forecasts, bank statements, VAT returns where relevant.
• Security: business assets, property or personal guarantees depending on product and size.

Start-up or tenant farmers may still be able to access finance through specialised brokers — give details of your plans and projections when you enquire so we can match you appropriately.

Free Eligibility Check — it takes just a couple of minutes to submit the details lenders need to respond.

Your Farming Finance Journey in Four Steps

1. Complete a short enquiry — tell us what you need (2 minutes). Get Started Free Eligibility Check.
2. We match you — your details go to lenders/brokers suited to your sector and requirements.
3. Receive responses — matched partners contact you to discuss terms and next steps.
4. Compare and decide — choose the offer that best fits your farm. You decide if and when to apply.

At every stage you remain in control — we simply make introductions to save you time and widen your options.

Real-World Farming Funding Stories

Want to see what your farm could unlock? Get Quote Now and compare matched options.

Understanding Costs, Rates & Repayment Structures

Costs vary by lender, product and borrower profile. Key considerations:

• Secured vs unsecured: secured loans (against land or equipment) usually offer lower rates but increase lender security requirements.
• Fixed vs variable rates: fixed gives certainty; variable may be cheaper initially but can move with market rates.
• Arrangement and broker fees: some products include set-up or broker fees — always check the full cost over the term.

Matched brokers and lenders will provide personalised cost information — use the free introduction to request detailed quotes and compare total cost of borrowing.

Risk, Responsibility & Compliance

Fast Business Loans is an introducer connecting you with lenders and brokers. We do not provide regulated financial advice or make lending decisions. We aim to be clear, fair and not misleading: we will explain the process, who will see your details, and what to expect. Always read lender terms carefully and consider independent advice from an accountant or adviser before committing to significant borrowing.

Resources & Support

We maintain guides and sector pages to help you explore options — for example, see our specialist information on farming loans for deeper insight into agriculture finance types and typical lender criteria.

If you prefer to speak to someone, matched brokers usually contact applicants by phone or email after an enquiry to discuss practical next steps.

Frequently Asked Questions

Can I apply if my farm has seasonal income dips?

Yes. Many lenders and brokers specialise in agriculture and can structure repayments around harvest cycles or seasonal incomes. When you submit your enquiry, include details of seasonality so we can match you to partners experienced in seasonal businesses.

Do I need land to secure a farming business loan?

Not always. Asset finance, invoice finance and some unsecured business loans may not require land as security. However, larger property or land purchase loans typically require appropriate security. Tell us your needs so we can match you to suitable products.

How quickly can funding reach my account?

Timescales vary: small asset finance deals can complete in days to weeks; property or land finance often takes longer due to valuations and searches. After matching, a broker or lender will give an expected timeframe for your circumstance.

What if my credit score isn’t perfect?

Having less-than-perfect credit doesn’t automatically rule you out. Our panel includes lenders and brokers who assess applications holistically. Provide accurate information on your enquiry so we can match you to partners willing to review your application.

Can start-up or tenant farmers enquire?

Yes. Some partners specialise in supporting start-ups or tenant farmers, particularly when strong business plans, projections and security (where available) are provided. Detail your plans in the enquiry to improve matching accuracy.

Will submitting this enquiry affect my credit file?

No — completing our enquiry form does not affect your credit score. A lender may perform credit checks only if you choose to progress with a particular product and they carry out a search.

Can funding cover renewable projects like solar or anaerobic digestion?

Yes. Many lenders offer sustainability and renewable energy loans for farms, which can include long-term finance and sometimes government-backed incentives. State the project type and estimated costs in your enquiry to be matched with appropriate specialists.

What fees should I expect from the lender or broker?

Fees differ: arrangement fees, broker fees and valuation costs are common. Matched brokers will disclose fees and total borrowing costs before you commit. Compare quotes to understand the overall cost and payment structure.

Ready to Unlock Your Farming Finance Options?

Fast Business Loans makes it quick and simple to explore tailored agricultural finance. We connect you with lenders and brokers who understand farming — from equipment to land, seasonal working capital to renewable projects.

Get Matched in Minutes — Free Eligibility Check

Submitting an enquiry is free, quick and no obligation. We’ll only share your details with selected partners who can help — and you remain in control of any decision to proceed.