Farming Business Loans & Finance | Fast Business Loans

Summary: Fast Business Loans is a free introducer that helps UK farming businesses access suitable finance from specialist lenders and brokers. We match farms with options for working capital, equipment and asset finance, land/property projects, livestock and green investments — for loans from £10,000 upwards. Complete a short, no‑obligation enquiry and we’ll connect you with the best providers to discuss terms and quotes. Start Your Free Eligibility Check.

Why Farmers Choose Fast Business Loans

Fast Business Loans does not lend money or give regulated financial advice. We are an introducer: you tell us what funding you need and we connect you to lenders and brokers who specialise in agriculture. That means less searching, more targeted options and a quicker route to a loan quote.

• Quick, free eligibility check — no obligation to proceed.
• Sector-focused matching — lenders who know farming, seasonality and agricultural assets.
• Save time — one short enquiry connects you to multiple potential partners.
• Privacy and clarity — your information is shared only with relevant partners.
• Loans start from £10,000 and go up to large commercial facilities.

If you’d like to see how your business might qualify, Get Started Free Eligibility Check — it takes only a couple of minutes.

What Types of Farming Finance Can We Help You Access?

Working Capital and Cashflow Loans

Use short-term working capital to bridge seasonal gaps, cover delayed payments or fund inputs before harvest. Typical solutions include unsecured short-term loans, overdrafts via brokers, or invoice finance where appropriate.

• Lender expectations: clear purpose, cashflow evidence, recent bank statements.
• Benefits: rapid access, flexibility to match seasonal cycles.

Compare Farming Loan Options Now — tell us your timings and we’ll match suitable lenders.

Agricultural Asset & Equipment Finance

Finance tractors, combines, milking parlours, irrigation systems and precision-ag kit. Options include hire purchase, finance leases and asset refinance.

• Lender expectations: asset details, supplier invoices or quotes, appropriate residual/term.
• Benefits: preserve cash, spread cost, often with favourable tax/treatment for capital equipment.

Share equipment costs with our partners to receive tailored quotes via our Free Eligibility Check.

Land, Property & Infrastructure Finance

Funding to buy land, develop yards, build barns or invest in on-farm infrastructure and renewables. Larger facilities may be secured against assets or land.

• Lender expectations: valuation, business plan, planning consents where applicable.
• Benefits: longer terms, structured repayments aligned to project cashflow.

Livestock & Input Funding

Short- to medium-term funding for breeding stock, feed, seeds and fertiliser ahead of revenue events.

• Lender expectations: clear use of funds, turnover profile, some asset-backed options available.
• Benefits: maintain herd/planting schedules without disrupting cashflow.

Green & Sustainability Funding

Loans and finance to support solar, heat-pumps, biomass boilers, slurry management and carbon-reduction tech. Some lenders combine commercial finance with grant-aware structuring.

• Lender expectations: project costs, estimated savings, any grant outcomes if known.
• Benefits: reduce long-term operating costs and demonstrate environmental improvements.

Interested in sustainable projects? Explore Funding for Sustainable Farming.

How Our Farming Loan Matching Process Works

1. Complete a short enquiry form — quick business details, finance type and contact info. This step does not affect your credit score. Start Your Free Eligibility Check.
2. Smart matching — we select brokers and lenders from our panel that are most likely to consider your request.
3. Rapid follow-up — matched partners contact you to clarify needs and request documents.
4. Compare offers — review proposals and decide if you wish to proceed with a lender or broker. We do not charge you; matched providers discuss fees and terms directly.

Typical response times: many lenders or brokers will contact you within hours during business days for straightforward requests; larger secured facilities take longer. Your matched partner explains next steps, required documents and any preliminary costs.

Eligibility Snapshot for UK Farming Businesses

Each lender sets its own criteria. Typical factors considered include:

• Trading history and structure (limited companies, partnerships; not sole traders for this service).
• Annual turnover and profitability.
• Personal and business credit profile.
• Asset availability or acceptable security for secured loans.
• Viability of the purpose (e.g., equipment purchase, land acquisition, bridge finance).

Information to have ready when you enquire:

• Recent business accounts (or management accounts).
• Bank statements for the last 3–6 months.
• Details of assets (equipment, land) and any existing loans.
• Brief business plan or project costs for investment borrowing.

Want a quick check? Check Your Eligibility in Minutes.

Common Funding Needs We Support

We regularly help farms with:

• Modernising machinery and precision-ag tech.
• Bridging seasonal cashflow gaps before harvest or subsidy payments.
• Expanding into farm shops, agritourism, or processing facilities.
• Buying livestock or feed ahead of peak demand.
• Repairing infrastructure after weather events.
• Investing in on-farm renewables and energy efficiency.

Tell us what you need funding for and we’ll match you to lenders who specialise in your requirement: Tell Us What You Need Funding For.

Costs, Rates and Repayment Considerations

Interest rates and charges depend on the lender’s assessment of risk, the loan amount, term and whether the loan is secured. Fast Business Loans does not quote rates — matched lenders and brokers will provide tailored illustrations.

Common features to discuss with your matched partner:

• Fixed vs variable rates and how they affect repayments.
• Repayment terms (monthly instalments, seasonal payment schedules, balloon payments where used).
• Secured vs unsecured funding — secured loans may offer lower rates but use assets as collateral.
• Arrangement fees, broker fees and any early repayment charges.

Always ask for a full illustration showing total cost of borrowing. We connect you to partners who explain the fine print so you can make an informed choice. Request Tailored Finance Illustrations.

Support for Sustainable & Diversified Farming Projects

Many lenders on our panel have supported projects that reduce emissions and improve farm resilience — from solar PV and battery storage to slurry treatment and precision irrigation. In many cases finance can be shaped around expected energy savings or combined with grant funding, though grants should be checked directly with official sources.

• Examples supported: solar arrays, biomass boilers, slurry separation, precision irrigation and EV charging for farm fleets.
• What lenders look for: project costs, projected savings, expected timelines and technical quotations.

If you’re planning a green upgrade, Explore Funding for Sustainable Farming and we’ll match you to specialists who understand these projects.

Case Snapshots: How Funding Helped UK Farms

These examples are illustrative; outcomes vary by business. Want to see what funding could do for you? See What Funding Could Do for You.

How to Apply Through Fast Business Loans

Applying is simple:

1. Complete our short enquiry form (contact details, business type, loan amount from £10,000 upwards and purpose).
2. We match your enquiry to suitable lenders and brokers on our panel.
3. A matched partner contacts you to discuss next steps and documents required.
4. Compare the offers you receive and choose whether to proceed — there is no obligation to accept any offer.

Your data is handled securely and shared only with relevant partners who may be able to help. To start, Start Your Free Farming Finance Enquiry.

Farming Finance FAQs

Submit Your Farming Loan Enquiry and we’ll match your farm to the providers most likely to help.

Fast Business Loans is an introducer service. We do not provide financial advice or lend money. Any finance agreements are arranged directly with the broker or lender we introduce you to. Eligibility, rates and terms depend on individual circumstances and provider assessment. Ensure any borrowing is affordable for your business.

farming loans

– What is Fast Business Loans and are you a lender?
Fast Business Loans is a free introducer that matches UK farming businesses with specialist brokers and lenders; we are not a lender and do not give financial advice.

– Is your enquiry form a loan application?
No—it’s a quick, no‑obligation eligibility check used to match your farm with suitable providers, not a formal application.

– Will submitting an enquiry affect my credit score?
No, your enquiry won’t impact your credit score; credit checks happen only if you choose to proceed with a broker or lender.

– What types of farming finance can you help me access?
We match farms to working capital and cashflow loans, agricultural equipment and asset finance, land and property funding, livestock and input finance, and green/sustainability finance.

– What loan amounts are available for UK farming businesses?
Our partners typically fund from £10,000 upward, with larger commercial facilities available subject to assessment.

– How quickly can farm funding be arranged?
Short-term working capital or asset finance can complete in days to weeks, while larger secured or land deals usually take longer due to valuations and legal work.

– What documents do I need for a farming loan?
Expect recent accounts or management accounts, 3–6 months of bank statements, asset details, and supplier quotes or project costs, with exact requirements confirmed by your matched partner.

– Who is eligible to use this farming finance service?
We focus on limited companies and partnerships—including start-up and diversified farms with viable plans—but not sole traders for this service.

– Do I need to provide security for a farming loan?
Both unsecured and secured options are available, with secured facilities often offering lower rates depending on assets and lender assessment.

– What will my farming loan cost and are there any fees?
Rates and charges depend on risk, amount, term and security, Fast Business Loans charges no fees, and matched brokers/lenders will provide tailored quotes and disclose any fees.