Streamlined Funding Support for UK Farms

Running a farm requires capital at short notice and often at scale. Whether it’s replacing a tractor, financing a herd, smoothing seasonal cashflow or investing in on-farm renewables, the right finance solution makes the difference. Fast Business Loans helps agricultural directors and owners save time by matching you with lenders and brokers who specialise in farming finance — from typical loan sizes of £10,000 up to multi‑hundred‑thousand pound facilities.

• Fast matching to lenders/brokers who understand agricultural cycles
• No obligation — enquiries are used only to match you to suitable partners
• Enquiries do not affect your credit score (soft search at enquiry stage)
• Free and secure — complete a Free Eligibility Check in under two minutes

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How Fast Business Loans Connects You with the Right Agricultural Lenders

Here’s how it works: you tell us about your farm and funding need; we use that information to select lenders and brokers from our panel who are most likely to offer suitable terms. We act as an introducer — not a lender — and our service is free to farm businesses.

Why this matters:

1. Expert matching reduces time spent approaching multiple lenders.
2. Brokers/lenders who understand agricultural income, seasonal cycles and asset values increase the chance of a relevant offer.
3. You retain control — review offers directly from providers and only proceed if terms suit you.

Get Started — Free Eligibility Check

What Farming Finance Can Cover

Working capital & seasonal cashflow

Short-term funding to cover feed, fertiliser, labour or bridging seasonal revenue gaps. Typical facilities range from £10k to £250k depending on turnover and product.

Equipment & machinery upgrades

Asset finance, hire purchase and leasing for tractors, combines, sprayers and other kit. These products can preserve cash while spreading cost over the working life of the equipment.

Livestock & inputs

Funding for herd purchases, replacement breeding stock, or bulk input purchases. Lenders often account for asset life and resale value when structuring facilities.

Sustainable & diversification projects

Finance for renewable energy (e.g. solar, biomass), on-farm processing equipment, or diversification projects — often available as specialised sustainability loans or asset finance.

Example scenario: an arable business secures a £250,000 hire purchase facility to buy a precision drill, spreading payments over five years while improving yield efficiency.

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Popular Agricultural Finance Options via Our Panel

Different needs suit different products. Below are common options you can be introduced to:

• Asset finance / hire purchase: For machinery and vehicles; preserves working capital.
• Secured business loans: Larger sums backed against property, assets or debenture.
• Unsecured business loans: Faster access but typically for smaller amounts and with stricter criteria.
• Invoice finance: Unlock cash tied up in receivables to smooth liquidity.
• Bridging finance: Short-term funding for land purchase or urgent cash needs.
• Equipment leasing: Operating leases to avoid ownership while securing equipment use.
• Sustainability funding: Loans and leasing aimed at on-farm renewables and energy efficiency.

Indicative amounts vary by lender and product. All finance is subject to application, status and lender terms.

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Farm Loan Eligibility: What Lenders Typically Look For

Preparing documents and understanding common lender requirements speeds the matching and decision process. Typical factors include:

• Recent company accounts (usually past 1–3 years) and management accounts where available
• Cashflow forecasts or seasonal trading patterns
• Details of assets to be financed or offered as security (machinery, land, livestock)
• Business structure and directors’ background
• Any existing borrowing and repayment history
• For sustainability projects: technical specs, estimated savings and grant/ADF contributions where applicable

Tips to strengthen a submission: update management accounts, prepare a clear funding use statement, and list key assets with estimated values.

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From Enquiry to Offer: What to Expect

Here’s a typical timeline:

1. Submit a short enquiry (under 2 minutes) — this is not an application, just information to help matching.
2. Same-day introduction: we select and pass your details to brokers/lenders best suited to your need.
3. Provider contact: one or more partners will contact you to discuss options and request supporting documents.
4. Compare offers and proceed: choose the offer that fits your business — you deal directly with the lender/broker to complete the application and funding.

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Real Outcomes for UK Farms

Case snapshot (anonymised): A mixed dairy and arable business in Yorkshire required £180,000 to replace ageing tractors and to install a solar array. Through our panel they were introduced to a specialist agricultural lender and a sustainability broker. The combined package — hire purchase for machinery and a green finance lease for the solar system — reduced monthly outgoings and improved on-farm energy costs.

“We were surprised at how quickly someone who understood farming rings rang. The process cut weeks off our search and brought sensible options to the table.” — Farm director (anonymised)

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Transparent, Responsible Farming Finance Introductions

Fast Business Loans is an introducer — we do not provide loans or regulated financial advice. Submitting an enquiry is not the same as applying for credit. We only share your details with partners relevant to your request and you decide whether to proceed with any introduction.

All finance options are subject to lender assessment and terms. Costs, rates and eligibility vary by provider and product; lenders will supply full disclosures when they provide an offer.

Farming Finance FAQs

Can new or recently established farms apply?

Yes. Some lenders and brokers on our panel work with newer farming businesses, assessing projections, business plans and security to structure suitable funding.

How fast can funding be arranged?

Introductions are usually made within hours of an enquiry. Once a lender or broker takes an application, timelines depend on product and documentation — asset finance can complete in days; secured loans typically take longer.

Will a previous loan refusal rule us out?

Not always. Because we match you to a range of partners, a different lender or a specialist broker may be able to structure a viable solution.

Can finance support renewable and energy efficiency projects?

Yes. Our panel includes providers familiar with funding for solar PV, biomass, heat pumps and other sustainability investments tailored to farm operations.

What documents will I need?

Basic business details, amount required and purpose are needed initially. Lenders may later request accounts, bank statements, asset lists, forecasts or technical project specs.

Does the enquiry impact our credit score?

No. Completing our enquiry form is a non-binding match request and will not affect your credit score. Lenders only perform credit checks later with your consent.

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Ready to Explore Your Farming Finance Options?

If your farm needs funding of £10,000 or more, we can quickly introduce you to lenders and brokers who understand agriculture. Save time, gain tailored options, and keep control of the process — there’s no cost to enquire and no obligation to proceed.

Start Your Free Farm Finance Match — Get Started Free Eligibility Check

Takes under 2 minutes • No obligation • Your enquiry won’t affect your credit score

For guidance on particular farm sectors or specialised funding, see our industry guide on farming loans.