Agriculture Business Loans & Finance for UK Farms

Summary: Fast Business Loans helps UK farms find suitable business finance by introducing them to specialist lenders and brokers. We can match you with partners for working capital, equipment, livestock purchases, land improvements and sustainability projects. Submit a free, no‑obligation eligibility check and receive matched quotes — submitting an enquiry does not affect your credit score. Start a Free Eligibility Check.

Why UK Agriculture Businesses Use Fast Business Loans

Farms face seasonal income swings, rising input costs and tight payment cycles. Finding the right finance can be time consuming and complex — especially when you need a lender or broker who understands agricultural cycles, assets and subsidies.

Fast Business Loans acts as an introducer: tell us what you need and we match your farm to lenders and brokers who specialise in agriculture. Benefits include:

• Sector-matched partners who understand farm cashflow and asset types.
• Faster access to options — you’ll typically hear back quickly after enquiring.
• No obligation and no credit impact at the enquiry stage.
• Support finding facilities from roughly £10,000 upwards to multi‑million projects.

Get Started — Free Eligibility Check

How Our Agriculture Finance Matching Works

1. Quick Enquiry: Complete a short form (under 2 minutes) with basic business details and the type/amount of finance required.
2. Match: We introduce your enquiry to selected lenders and brokers who specialise in farm finance.
3. Contact: Partners contact you to discuss options and request documents if required.
4. Compare & Decide: Review quotes and choose the facility that best fits your business — there’s no pressure to proceed.

We treat your data confidentially and only share it with partners who can help. Turnaround times vary but many enquiries receive contact within hours.

Request Your Quote Now

Finance Solutions We Can Introduce for Farms

Through our network you can be introduced to providers offering a wide range of farm finance types. Below are common solutions and what they typically cover.

Working Capital & Cash Flow Loans

Short-term facilities to cover seasonal peaks, seed, feed or labour costs and delayed subsidy payments. Typical sizes: £10,000 to several hundred thousand. Options include overdrafts, short-term loans and invoice finance to unlock trapped cash.

Equipment & Machinery Finance

Funding for tractors, combines, sprayers, precision tech and attachments. Structures include hire purchase, finance leases and asset loans. Useful for spreading cost while keeping machinery working on the farm.

Livestock & Input Purchasing Finance

Facilities to finance breeding stock, replacement animals or bulk inputs (feed, fertiliser). Lenders may take security over animals or offer unsecured options depending on size and profile.

Land & Property Investment Finance

Loans for land purchase, barn conversions, silage clamps or diversification projects. These tend to be larger, secured facilities with longer terms — we can introduce brokers who specialise in rural property funding.

Renewable & Sustainability Loans

Funding for solar PV, biomass boilers, anaerobic digestion or energy efficiency upgrades. Many lenders now offer bespoke terms for projects with clear cashflow benefits.

For a broader overview of options across the agricultural sector, see our detailed agriculture business loans guide on the industry hub: agriculture business loans.

Get Your Farm Finance Options

Sector Insight: Funding Your Farm Through Different Seasons

Farming sub-sectors have distinct funding patterns:

• Arable: large upfront planting costs and seasonal harvest receipts — often suit crop-input finance or seasonal working capital.
• Dairy: steady daily costs with periodic capital needs for herd or equipment replacement — consider asset finance and cashflow facilities.
• Horticulture and Poultry: high-value stock and inputs needing flexible short-term credit lines.

Plan ahead for subsidy timing and harvest receipts. A blended approach (combining short-term bridging and asset finance) often works best — brokers can structure facilities around seasonal cashflow.

Plan Ahead — Free Funding Check

What Lenders Look For in Agriculture Finance Applications

While each lender differs, common requirements include:

• Trading history and management accounts (or projections for diversification projects).
• Details of assets: machinery, land, buildings and livestock.
• Debt schedule and bank statements to show cashflow.
• Any security offered (land charge, chattel mortgage, personal guarantees where applicable).
• For sustainability projects: energy assessments and projected savings.

Tip: gather 12–24 months of accounts or management data and recent bank statements to speed up the process.

Free Eligibility Check

Why Work With Specialist Agriculture Finance Brokers?

Specialist brokers understand farm asset values, seasonal revenue and subsidy timing. They can:

• Access lender panels not visible to the public.
• Negotiate terms tailored to agricultural cashflows.
• Help present applications to improve approval chances.

Fast Business Loans connects you to these brokers quickly so you can focus on running the farm — not searching for lenders.

Match Me with an Agriculture Broker

Transparency & Compliance

Agriculture Finance Success Snapshots

Case: Dairy Farm — Tractor Replacement

Challenge: ageing tractor causing downtime. Solution: equipment finance introduced by a specialist broker. Outcome: new tractor on a 5‑year hire purchase with manageable monthly payments; farm reported immediate productivity improvement.

Case: Arable — Pre‑harvest Cashflow

Challenge: input costs before harvest receipts. Solution: short-term working capital loan matched via our panel. Outcome: cashflow bridge completed within days, harvest processed, loan repaid from sale proceeds.

See What Options You Qualify For

Frequently Asked Questions

What size loans are available for farms?

Our partners typically arrange facilities from around £10,000 upwards. The exact size depends on your business, security offered and the lender’s appetite.

Will enquiring affect my credit score?

No — submitting an enquiry through Fast Business Loans does not impact your credit file. Credit checks may be carried out by lenders or brokers if you choose to proceed with an offer.

Can I get finance for renewable projects on the farm?

Yes. Many lenders provide facilities for solar, biomass and energy-saving projects. Provide project costs and expected savings to get tailored options.

How quickly will I hear from lenders or brokers?

Many enquiries receive contact within hours; complex facilities take longer. After you submit the enquiry, partners will usually contact you by phone or email to discuss next steps.

Still have questions? Get a Free Eligibility Check and one of our partners will be in touch.

Start Your Agriculture Finance Enquiry

Ready to explore options? Complete our short enquiry and we’ll match you with lenders or brokers who best fit your farm’s needs. The form is quick, free and carries no obligation — submitting it will not affect your credit score.

Start Your Free Eligibility Check

– Who is eligible for agriculture business finance?
UK farms across arable, dairy, livestock, horticulture, poultry and diversified rural enterprises can be matched with specialist lenders and brokers.

– Is the enquiry a loan application and will it affect my credit score?
No—our free eligibility check isn’t a loan application, won’t affect your credit score, and we act as an introducer sharing your details only with selected partners who can help.

– What types of farm finance can you introduce?
We introduce options for working capital and cash flow loans, equipment and machinery finance, livestock purchasing finance, land and property funding, invoice finance, and renewable/sustainability loans.

– How much can a UK farm borrow?
Facilities typically start from about £10,000 and can reach into the millions depending on purpose, security and business profile.

– How fast will I hear from lenders or brokers?
Many enquiries receive contact within hours, though complex or secured facilities may take longer to assess.

– What documents do I need for a farm finance application?
Lenders usually ask for recent accounts or projections, bank statements, asset details, a debt schedule, and for green projects any energy assessments and projected savings.

– What security or guarantees might be required for agriculture loans?
Depending on the facility, security may include land charges, machinery or livestock, chattel mortgages or personal guarantees, while some smaller loans can be unsecured.

– Can repayments be structured around seasonal farm cashflow?
Yes—specialist brokers can help structure facilities and terms aligned to harvest receipts, subsidies and other seasonal cashflows.

– Can you help finance renewable and sustainability projects on farms?
Yes, we can match you with lenders offering finance for solar PV, biomass, anaerobic digestion and energy‑efficiency upgrades.

– Can you support start-up farms or diversification projects?
Yes—partners can consider start-ups and diversification where projections and project details support affordability and viability.