Farming Business Loans & Finance Options in the UK
Summary — Fast Business Loans connects UK farms and agricultural businesses with specialist lenders and brokers for working capital, asset finance, land and infrastructure funding, and sustainability projects. We’re an introducer (not a lender). Complete a short, secure enquiry and we’ll match you to the best finance partners for sums from £10,000 upwards. Get Started – Free Eligibility Check
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
No credit score impact • No obligation • Secure enquiry
Quick summary
Fast Business Loans helps UK agricultural businesses access funding by introducing you to specialist brokers and lenders. Whether you need seasonal working capital, machinery finance, bridging for land or property works, or green/sustainability loans, we’ll match your enquiry to providers who understand farming cashflow and sector cycles. Our service is free, confidential and takes under two minutes to start. Free Eligibility Check
Why UK farms seek finance in 2025
Farming faces tight margins, rising input costs, labour pressures and the need to invest in productivity and sustainability. Many farm businesses require external finance to:
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
- Bridge seasonal cashflow between sowing and harvest
- Replace or upgrade tractors, harvesters and milking equipment
- Invest in storage, processing or renewable energy
- Support diversification projects such as farm shops, holiday lets or value-added processing
The uplift in demand for precision agriculture, automation and low-carbon installations means many farms are seeking bespoke finance structures that align repayments with seasonal income. If that sounds like your situation, Check Your Eligibility in 2 Minutes.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Funding solutions available for agricultural businesses
There is a wide range of finance options suited to farm businesses — the right choice depends on your sector, asset base and timing.
Working capital & cashflow support
Use: seasonal inputs, feed, repairs, payroll.
Options include short-term business loans, overdrafts and invoice finance for contracted sales.
Typical ranges: from £10,000 upwards (depending on provider and security).
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Asset & equipment finance
Use: tractors, combine harvesters, dairy parlour upgrades, automated feeders.
Common structures: hire purchase, lease purchase, operating leases and balloon-payment arrangements. These let you spread cost while preserving working capital.
Land, property & infrastructure funding
Use: barn conversions, cold storage, irrigation, slurry stores, renewable installations.
Options: commercial property loans and specialist agricultural mortgages or development finance (terms and security vary).
Specialist agricultural products
- Invoice finance for contract receivables
- Agricultural overdrafts tailored to seasonal cycles
- Livestock and crop finance
- Green/sustainability loans for solar, EV chargers, anaerobic digestion
For a deeper look at sector-specific requirements and the kinds of lenders that typically fund farms, see our dedicated farming loans hub on farming loans.
farming loans
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Eligibility snapshot — what lenders look at
Business profile
Lenders assess trading history, turnover, legal structure (limited company or partnership), and the commercial viability of your enterprise.
Financial health
Management accounts, cashflow forecasts, profitability and existing liabilities are reviewed. Personal credit may be considered for some facilities.
Assets & security
Land, buildings, machinery and livestock can be used as security. The availability and valuation of assets influence interest rates and loan size.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Sector plans and sustainability
Increasingly lenders welcome diversification and credible sustainability plans — especially where new income streams or grant funding improve business resilience.
Please note: we act as an introducer, not an adviser. Any eligibility decision will be made by the lender or broker we introduce. Share your details — we’ll match the right partner.
How Fast Business Loans supports UK farmers
We simplify the search for finance so you can focus on running the farm.
- Sector-aware matching — we introduce you to brokers and lenders experienced in agriculture.
- Soft credit approach — initial matching does not affect your credit score.
- Time-saving — one short enquiry connects you with multiple relevant partners.
- Choice — receive and compare offers from specialists instead of contacting providers individually.
What this means for your farm: faster introductions, targeted lender expertise and clearer next steps. Get Matched Today — Free & No Obligation
Step-by-step enquiry journey
- Submit a quick farming finance enquiry — we’ll ask a few details: business name, type of funding, amount required and contact info. It takes under two minutes.
- We match you to specialist brokers and lenders — we send your enquiry to selected partners who understand agriculture.
- Discuss options confidentially — a broker or lender will contact you with indicative terms and a documentation checklist.
- Choose the offer (or walk away) — there’s no obligation to proceed after you receive quotes.
All finance is subject to status and the lender’s terms. Start Your Farming Finance Enquiry
Understanding costs, rates & repayment terms
Rates vary by product, security, term and credit profile. Seasonal enterprises often negotiate repayment schedules that align with harvest receipts or commodity sales.
Typical determinants of cost:
- Type of security (secured vs unsecured)
- Loan term (short-term bridge vs long-term asset finance)
- Borrower credit and business performance
- Sector risk and commodity price exposure
Important: any partner we introduce will provide a written illustration showing fees, APR and total repayment before you commit. Borrow responsibly — missed payments can cause financial difficulty. Request a No-Obligation Cost Illustration
Preparing a strong application pack
Good preparation speeds decisions. Typical documents lenders request:
- Recent management accounts and bank statements
- Cashflow projections covering the loan term
- Asset valuations and land registry documents
- Contracts or offtake agreements with buyers or co-ops
- Details of grants or subsidies and sustainability plans
- Personal ID and proof of ownership where required
Tip: highlight diversified income streams (farm shop, B&B, processing) and any fixed contracts that reduce cashflow volatility. Speak to a Farming Finance Specialist
Grants & complementary funding streams
Grants (for example, government or regional schemes) can reduce the capital you need to borrow. We don’t administer grants, but brokers we introduce can advise on combining grant funding with commercial loans.
For official grant information, check gov.uk and rural payments resources. If you want help building a funding mix, explore options with a broker.
Case study snapshots
Case 1 — Dairy parlour upgrade (illustrative)
Finance type: asset finance for milking equipment — £250,000. Result: improved throughput and lower labour costs. Repayment structured over 5 years to match monthly milk sales.
Case 2 — Pre-harvest cashflow bridge (illustrative)
Finance type: short-term working capital — £80,000 bridging loan. Outcome: enabled timely seed and fertiliser purchases; repaid after harvest receipts cleared.
Outcomes vary. These are illustrative examples only.
FAQs — Farming business finance
- How fast can funding be secured once matched?
- Timescales vary. Some lenders respond within hours for simple facilities; complex property or development finance can take weeks. Brokers typically give an estimated timeline during the initial call.
- Can start-up farms apply?
- Some partners specialise in newer enterprises but expect stricter criteria and higher rates. Demonstrating contracts, experience and realistic forecasts helps.
- Do I need to provide land as collateral?
- Not always. Asset finance and unsecured working capital exist, but security improves terms and limits. Lenders will discuss options based on your situation.
- Will my credit score be impacted by the enquiry?
- No — submitting an enquiry via Fast Business Loans is a soft process and does not affect your credit score. Lenders may carry out checks later if you proceed.
- What industries do your lending partners cover besides agriculture?
- Our panel covers a wide range of sectors including construction, hospitality, transport and manufacturing.
- Are there fees for using Fast Business Loans?
- Our matching service is free for business owners. Any fees related to lending are agreed directly with the lender or broker you choose.
Compliance & transparency statement
Fast Business Loans is an introducer that connects businesses with lenders and brokers; we do not lend money or give regulated financial advice. All finance offers are subject to the lender’s eligibility checks and full terms. We aim to be clear, fair and not misleading in all communications.
Your enquiry is handled securely and shared only with suitable partners. Please see our Privacy Policy and Terms & Conditions for more information.
Ready to compare farming finance?
Seasonal cycles and equipment lead times make timing important. Submit a short enquiry now and we’ll connect you with specialist brokers and lenders who understand agriculture — usually within business hours.
– What is Fast Business Loans and are you a lender?
Fast Business Loans is a free UK introducer that matches farms with specialist lenders and brokers; we’re not a lender and we don’t give financial advice.
– Does submitting an enquiry affect my credit score?
No — the enquiry is a soft match that doesn’t impact your credit score, though lenders may run checks later if you proceed.
– Is the enquiry a loan application and am I obliged to proceed?
No — it’s an information-only enquiry to get matched with finance partners, and there’s no obligation to go ahead with any offer.
– How quickly can I get farm finance after enquiring?
Simple facilities can receive responses within hours, while complex land or development funding may take days to weeks depending on lender due diligence.
– What types of agricultural finance can you help arrange?
We match UK farms to working capital loans, asset and equipment finance, agricultural mortgages/land and infrastructure funding, invoice and livestock finance, and green/sustainability loans.
– How much can I borrow and for how long?
Our partners consider sums from around £10,000 upward with terms tailored to the product, often including seasonal or structured repayments aligned to harvest income.
– Do I need land or machinery as security?
Not always — unsecured working capital is available, but offering land, buildings, or equipment as security can improve rates and limits.
– Can start-up farms or those with weaker credit get funding?
Yes, some partners support newer or credit-challenged farms, typically requiring stronger forecasts, contracts, or additional security and potentially higher rates.
– What documents will lenders usually ask for?
Expect recent management accounts, bank statements, cashflow forecasts, asset valuations or land registry details, buyer contracts, grant/subsidy info, and ID.
– Can grants be combined with commercial farm finance?
Yes — while we don’t administer grants, our introduced brokers can help structure loans alongside government or regional grant funding.