Farming Finance Made Simple for UK Growers

• Free eligibility check — no obligation, no credit footprint at enquiry stage
• Match with agriculture-savvy lenders and brokers
• Typical responses within 24–72 hours from matched partners
• Funding options from £10,000 upwards for equipment, land, cashflow and projects

Start Your Free Farming Finance Enquiry

Summary — How UK farming businesses can secure the right finance quickly

Fast Business Loans connects farming businesses across the UK with specialist lenders and brokers so you can get tailored quotes fast. Complete a short enquiry (takes ~2 minutes) — this is not a loan application and won’t affect your credit. We match your need (equipment, land, working capital, sustainability projects) to the most suitable partners who will contact you with options. For a free eligibility check, Get Quote Now.

Funding that helps your farm flourish

Whether you run arable, livestock, horticulture, fisheries or agri‑tech operations, suitable finance can unlock growth, smooth seasonal gaps or fund major investments. Fast Business Loans is an introducer — we do not lend or give regulated financial advice. Our role is to match your requirements with lenders and brokers who specialise in agricultural business finance.

If you’re short on time, Take the 2-minute enquiry now and our partners will get back with tailored options.

Why farmers choose Fast Business Loans

Specialist agricultural lender panel

We work with lenders and brokers experienced in UK farming — familiar with Basic Payment Scheme (BPS) timings, seasonal cashflow swings and asset-backed funding.

Fast, transparent matchmaking

We filter partners by appetite and remit, increasing the chance of a meaningful quote — saving you time and unnecessary credit checks.

Free-to-use, no-obligation support

Submitting an enquiry is free and does not commit you to proceed. You remain in control of any further steps.

Common reasons UK farmers seek finance

• Asset purchases: tractors, combines, milking parlours (asset finance or hire purchase)
• Working capital: cover feed, seed, fertiliser costs through seasonal cycles
• Land or property purchase: agricultural mortgages for new holdings or diversification
• Renewables & sustainability: solar, biomass, slurry-to-energy projects
• Diversification: farm shops, tourism (glamping), processing facilities
• Grant bridging: short-term finance while awaiting subsidies/grant payments

Typical funding examples (illustrative): £15k–£250k for equipment; £50k–£2m+ for land; short-term working capital lines from £10k upwards.

Types of farming finance we can connect you with

Asset & equipment finance

For tractors, combines, planters and processing equipment. Usually secured against the asset. Typical terms: 2–7 years. Pros: preserves cash; cons: secured and may have default consequences.

Working capital / seasonal cashflow loans

Short-term loans or revolving facilities to smooth seasonal peaks. Amounts and interest rates vary by lender appetite and risk.

Invoice & milk/dairy financing

For businesses awaiting payments or milk cheques. Speeds cashflow without long-term borrowing.

Agricultural mortgages & land purchase funding

Longer-term lending for land and property acquisitions. Lenders will review farm accounts, capital plan and security offered.

Renewable & sustainability project finance

Finance for solar, anaerobic digestion, heat pumps and efficiency works — often structured around projected savings and subsidy timings.

Grant-bridge finance

Short-term loans to bridge the gap until grants or subsidy payments arrive. Important to ensure terms match expected receipt dates.

How our farming loan matching works

1. Enquiry: You complete a short form — not an application and no credit footprint.
2. Matching: We match your details to lenders and brokers with the right appetite.
3. Response: Matched partners contact you with questions and quotes.
4. Compare & decide: Review offers and choose the best fit — you can walk away at any time.

We only share your details with selected partners relevant to your request. If you prefer phone contact, indicate that in the enquiry.

What lenders typically ask from UK farms

• Recent management accounts and VAT returns
• Turnover and profit history
• Details of assets (machinery, land, livestock)
• Subsidy/grant history (BPS/SFI) and timings
• Credit profile and company/director information
• Purpose and amount required

Simple tips to improve eligibility: keep management accounts current, document subsidy receipts, and present a clear use of funds and repayment plan.

How we mitigate seasonal challenges

Seasonal volatility is a reality for farms. Lenders experienced in agriculture can offer tailored solutions — e.g., seasonal repayment structures, repayment holidays aligned to harvest, or invoice finance to unlock receivables. Matching you to partners who understand these cycles increases the chance of a workable offer.

Responsible finance for farming businesses

Fast Business Loans aims for clarity: we are an introducer, not a lender or adviser. All finance is subject to lender assessment. Your property or assets may be at risk if repayments are not kept up. Consider independent advice if unsure about product suitability.

Submitting our enquiry does not affect your credit score. Lenders may run formal checks only if you proceed with an application.

Real UK farming funding stories

Case study — Machinery renewal: A mixed arable farm needed £120k for a new combine. Matched to an asset finance lender — competitive deposit terms and 5-year repayment aligned to harvest season. Outcome: new equipment delivered within 6 weeks.

Case study — Grant-bridge: Dairy business awaiting grant payment used short-term bridge finance to complete slurry store works and accessed the grant on schedule.

Outcomes vary by circumstance; these are illustrative.

Resources & guidance

• DEFRA — policy and grant information
• NFU — sector guidance and market insight
• GOV.UK farming & land management

For deeper sector pages and guidance on specific products see our specialist page on farming loans.

Start your enquiry

Fast Business Loans helps you reach lenders and brokers who specialise in farming finance — quickly and with no obligation. Complete the short enquiry now and receive tailored quotes by phone or email.

Free Eligibility Check

Farming Finance FAQs

Start now: complete a short enquiry to get matched with lenders who understand farming — Get Quote Now.

Disclaimer: Fast Business Loans is a broker-matching service and does not provide lending or regulated financial advice. All finance is subject to lender assessment and status. Your property or assets may be at risk if you do not keep up repayments.

1) What is Fast Business Loans and are you a lender?
Answer: Fast Business Loans is an introducer that connects UK farming businesses with trusted lenders and brokers; we don’t lend money or give financial advice.

2) Will submitting a farming finance enquiry affect my credit score?
Answer: No — the enquiry is not a loan application and creates no credit footprint, with checks only occurring if you choose to proceed.

3) How much can UK farms borrow and what can the funds be used for?
Answer: Our partners typically consider £10,000 to several million for equipment, land and property, working capital, renewables, and diversification projects.

4) How quickly will I hear back and how long can funding take?
Answer: You’ll usually be contacted within 24–72 hours, with asset/working capital funding possible in days and agricultural mortgages taking weeks.

5) What types of agricultural finance can you match me with?
Answer: We connect farms to asset and equipment finance, working capital loans, agricultural mortgages, renewable project finance, invoice/milk finance, and grant‑bridge loans.

6) Do you help farms with seasonal cashflow or BPS/SFI-timed income?
Answer: Yes — matched lenders often consider predictable subsidy income and can offer seasonal repayment structures or repayment holidays aligned to harvest.

7) What documents do lenders typically ask for from farms?
Answer: Expect to provide recent management accounts, VAT returns, turnover and profit history, asset and subsidy details, credit profile, and the loan purpose and amount.

8) Can farms with imperfect credit still access finance?
Answer: Potentially — specialist lenders may consider asset cover, subsidy history, and recent trading performance alongside credit profile.

9) Is security or collateral required for agricultural loans?
Answer: Not always, but larger loans and land or property finance commonly require security while some short-term or unsecured options exist.

10) Does it cost anything to use Fast Business Loans and am I obliged to proceed?
Answer: Our service is free to use and there’s no obligation to accept any offer after you’re matched.