Agriculture Business Loans for UK Farmers and Growers

Short summary: Fast Business Loans helps UK farms and agricultural businesses find the right finance — from equipment and livestock loans to seasonal cashflow and land purchase funding. We are an introducer (not a lender). Complete a short, no-obligation enquiry and we’ll match you with brokers and lenders who may be able to help with finance of £10,000 and above. Start with a Free Eligibility Check: Free Eligibility Check.

Agriculture finance at a glance

The UK agricultural sector faces seasonal income swings, changing subsidy regimes and rising capital needs for machinery, technology and sustainability upgrades. Whether you run an arable business, dairy herd, horticulture unit or agri-tech start-up, the right funding can smooth cashflow, speed up modernisation and support diversification.

• Typical funding requests we handle: equipment upgrades, seasonal inputs, land improvements, livestock purchases and renewable projects.
• Loan sizes we can help match from £10,000 upwards (facility size depends on product and lender).
• Products range from short-term working capital to long-term commercial mortgages.

Want to explore options now? Get Started – Free Eligibility Check.

When farms seek external funding

Many farm businesses consider external finance when internal reserves are insufficient for the next step. Common triggers include:

• Replacing or upgrading tractors, combines, milking parlours or irrigation systems
• Purchasing livestock or investing in herd expansion
• Bridging seasonal cashflow gaps while awaiting subsidy or contract payments
• Buying land, buildings or extending premises
• Investing in renewable energy, efficiency or diversification projects

If you’re assessing options, the fastest way to see what might suit your needs is to submit a short enquiry so we can match you with the right finance specialist: Free Eligibility Check.

Types of agriculture business loans we can introduce

We connect farms with brokers and lenders who specialise in agricultural finance. Below are common products and how they’re typically used.

Asset & Equipment Finance

Asset finance (hire purchase, finance lease) funds tractors, combines, milking robots and other machinery. Typical benefits include spreading the cost and preserving working capital. Indicative facility sizes vary from £10,000 to several hundred thousand, depending on asset value.

Agricultural Vehicle & Tractor Finance

Specialist vehicle finance covers new and used tractors, trailers and commercial farm vehicles. Options include hire purchase and lease agreements tailored to farm cash cycles.

Livestock Finance

Livestock funding supports purchases of breeding stock, replacements or herd expansion. Lenders assess herd value, turnover and seasonal income when considering these facilities.

Seasonal Working Capital / Cashflow Loans

Short-term facilities help bridge seasonal peaks and troughs — for seed, feed or fertiliser purchases while waiting for subsidy or sale receipts. Facilities are structured to match expected receipts.

Invoice Finance for Agribusiness Suppliers

Invoice discounting or factoring unlocks cash tied up in unpaid invoices — useful for suppliers to processors, retailers or wholesalers.

Commercial Mortgages & Land Purchase Finance

Longer-term secured loans for buying land, farmhouses used commercially, buildings or large capital projects. These generally require security and robust cashflow forecasts.

Refinance & Consolidation Options

Consolidating existing facilities can reduce monthly costs or extend terms. Our partners can compare options to improve affordability or free up working capital.

Specialist Grants & Sustainability-linked Loans

Brokers may combine grant support with targeted finance for renewable energy, biodiversity or efficiency projects. We can introduce you to partners familiar with rural grant landscapes.

For more detailed sector information, see our pillar resource on agriculture business loans.

Match Me with an Agriculture Finance Broker

Why partner with Fast Business Loans

We don’t lend — we speed up the introduction to lenders and brokers who do. Working with us saves time and increases the chance of being introduced to a provider experienced in farming finance.

• Sector insight: We match you to partners who understand farming cycles and common funding structures.
• Time-saving: One short enquiry connects you to multiple suitable partners — no need to research dozens of lenders.
• Soft search approach: Submitting an enquiry won’t affect your credit file. Lenders may carry out credit checks later if you proceed.
• No obligation: Our introduction is free and there’s no requirement to accept any offer.

Enquire for Free

How our matching process works

1. Complete the short enquiry: Tell us about your business, funding amount, purpose and contact details (takes 2 minutes).
2. We match you: Your details are matched to brokers and lenders with relevant expertise and appetite for agriculture requests.
3. Partner contact: Matched partners will typically call or email to discuss options and next steps.
4. Compare & decide: Review offers and choose the option that suits your business — we don’t influence your choice.

Privacy note: your information is shared only with selected partners who may be able to help. Start here: Start Your Agriculture Finance Enquiry.

Eligibility & what lenders look for

Lenders and brokers evaluate applications on several common criteria. Preparing these items strengthens your enquiry:

• Business profile: farming type, turnover, years trading and management experience
• Recent accounts: management accounts or last two years’ farm accounts
• Subsidy & grant history: Rural Payments Agency statements, BPS receipts (if relevant)
• Security & collateral: assets available to secure a loan (land, buildings, equipment)
• Repayment plan: how the loan will be repaid from trading receipts or sale proceeds

Note: lenders consider start-ups and tenant farmers on a case-by-case basis — a strong business plan and realistic forecasts improve prospects. Ready to share your details? Complete a Free Eligibility Check.

Preparing a stronger enquiry

Tips to speed the process and improve outcomes:

• Gather recent management accounts, cashflow projections and RPA statements.
• Clearly state the funding amount, use of funds and repayment timeline.
• Highlight seasonal cycles and any confirmed contracts or offtake agreements.
• Mention sustainability or efficiencies — some lenders favour low-carbon investments.

Pro tip: clarity saves time. The better you explain the purpose and repayment, the quicker a broker can match you to the right partner.

Funding scenarios (mini case studies)

Case A — Dairy farm invests in robotic milking

Situation: A family-run dairy needed £250,000 to finance robotic milking and yards to improve yields and labour efficiency. Fast Business Loans introduced them to two specialist agricultural brokers.

Outcome: One broker arranged an asset finance package combining hire purchase for equipment and an 18-month bridging facility for installation costs. The farm kept working capital intact and improved margins within 12 months.

Case B — Arable farmer bridges cashflow

Situation: An arable business faced a six‑week cash gap awaiting subsidy payments while buying seed and fertiliser. The enquiry highlighted strong turnover and RPA history.

Outcome: A short-term seasonal loan was arranged to cover input costs, repaid on receipt of subsidies. The borrower avoided distress sales and maintained full cropping plans.

These examples show how a timely introduction to the right broker can create tailored solutions. To see what could work for you, Discuss your project.

Costs, repayment & responsible borrowing

Costs depend on product, lender and risk profile. Typical considerations:

• Interest rates: Set by lenders; influenced by security, term and credit risk.
• Fees: Arrangement, valuation or broker fees may apply — check terms with the lender/broker.
• Repayment profile: Interest-only, seasonal repayment, capital repayments — match repayments to farm cashflow.

We never guarantee approvals. Always consider affordability, future market risk and seek independent tax/accounting advice where appropriate. If you’re ready to explore tailored costs, Request tailored quotes.

Agriculture finance FAQs

Can I apply if subsidy payments are delayed?

Yes. Many lenders and brokers understand seasonal pressures and delayed payments. Provide recent trading history and RPA statements so partners can structure a suitable facility.

How quickly can agricultural finance be approved?

Turnaround varies. Simple unsecured or short-term facilities can be arranged in days; secured or mortgage-style loans may take weeks. We match you with partners who can meet your timing needs.

Do you support tenant or new entrant farmers?

Yes — on a case-by-case basis. Brokers review business plans, experience and projected cashflows. A clear plan and forecasts help improve eligibility.

Will submitting an enquiry affect my credit score?

No. Submitting an enquiry via Fast Business Loans does not impact your credit record. Lenders may carry out credit checks later if you choose to progress an application.

What loan amounts can your partners consider?

Our partner panel reviews funding from about £10,000 upwards. Actual minimums and maximums depend on product, security and lender appetite.

Complete the quick enquiry form to be matched with appropriate partners: Complete the quick enquiry form.

Compliance & transparency note

Fast Business Loans is an introducer and does not lend or provide regulated financial advice. We aim to be clear, fair and not misleading. Our service is free to businesses and we only share your details with partners who may be able to help. Always review lender terms and consider independent advice if unsure.

Get started

Ready to find the right finance partner? Complete a short, no‑obligation enquiry and we’ll match you with lenders and brokers experienced in agricultural finance. It takes less than two minutes and will not affect your credit score: Get Quote Now — Free Eligibility Check.

Fast Business Loans organises introductions for business finance of £10,000 and upwards. We act as an introducer only — we do not supply finance or regulated advice.

– What types of agriculture business finance can you introduce for UK farms? We connect you with asset and equipment finance, tractor and vehicle funding, livestock finance, seasonal cashflow loans, invoice finance, refinancing, sustainability-linked loans, and commercial mortgages for land and buildings.

– What is the minimum loan size for farm finance through Fast Business Loans? Our partners typically consider facilities from £10,000 upwards, with actual limits depending on product, security and your farm’s profile.

– How quickly can agriculture finance be approved in the UK? Short-term or unsecured facilities can complete in days, while secured asset finance or commercial mortgages usually take weeks.

– Will completing the Fast Business Loans enquiry affect my credit score? No, our enquiry is a soft introduction that doesn’t impact your credit file, and any credit checks happen later only if you proceed with a lender.

– Are you a lender and does it cost to use your service? We’re an introducer (not a lender) and our matching service is free with no obligation to proceed.

– Can tenant farmers or new entrants get funding? Yes, lenders assess tenant and new entrant applications case-by-case, and a strong business plan, experience and forecasts improve eligibility.

– Do you help finance tractors, machinery or milking robots? Yes, asset finance options such as hire purchase and finance leases can fund tractors, combines, milking robots and other machinery with repayments aligned to farm cash cycles.

– Can I get a seasonal cashflow loan while waiting for subsidies or crop receipts? Yes, specialist lenders offer short-term facilities structured around expected RPA payments or contract receipts to cover inputs like seed, feed and fertiliser.

– Do you arrange funding for land purchase or farm buildings? We can introduce partners offering commercial mortgages and longer-term secured finance for land, buildings and major capital projects, typically supported by suitable security and robust forecasts.

– What documents help speed up an agriculture loan enquiry? Recent farm accounts or management accounts, RPA/BPS statements (if relevant), details of available security, clear cashflow projections, and a defined use-of-funds and repayment plan.