Agriculture Business Loans & Finance – Fast, Free Matching for UK Farms

Summary: Fast Business Loans connects UK farming and agricultural businesses with lenders and brokers that specialise in farm finance — machinery, livestock, land improvements and working capital. We do not lend money; we introduce you to suitable providers so you can compare offers. Enquiries are quick, confidential and non-binding. For a personalised shortlist, start a Free Eligibility Check: Get Started – Free Eligibility Check.

Why specialist agriculture finance matters

Farming has unique cashflow patterns, seasonal peaks and troughs, significant capital equipment costs and exposure to weather, commodity prices and policy changes. Generic lenders can overlook seasonal receipts, subsidy income or specialist security like combines, milking parlours and livestock. Specialist agriculture finance providers understand these realities and underwrite accordingly.

Here’s why that matters now:

• Input costs and machinery prices are rising — timely finance can keep production on schedule.
• Transitioning to low-carbon farming (solar, irrigation, sustainability measures) often needs purpose-built funding.
• Working capital gaps are common ahead of harvest or when contract payments are delayed.

Fast Business Loans helps you reach lenders and brokers who know the sector so you don’t waste time explaining your business fundamentals. Check your options fast: Free Eligibility Check.

Typical funding scenarios for UK farms

Farmers and agricultural businesses commonly need finance for:

Machinery & equipment

• Tractors, combines, forage harvesters, slurry tankers, milking parlours.
• What lenders may fund: new and used equipment, installation and refurbishments.
• Docs to prepare: invoices/quotes, equipment specifications, proof of business trading.

Livestock purchase & herd expansion

• Funding to buy breeding stock, expand herd/flock or replace core animals.
• Security: lenders may accept livestock as part of the asset package or take other security.

Land improvements & sustainability investments

• Irrigation, solar PV, water-storage, soil improvement, and other capex to improve productivity.
• Many lenders now consider sustainability-linked products for projects that reduce running costs and emissions.

Seasonal working capital

• Cashflow bridging ahead of harvest, buying seed/fertiliser, or covering labour peaks.
• Invoice finance and short-term facilities are often appropriate here.

To explore suitable solutions for any of the above, Get Quote Now and we’ll match you with the best providers for your needs. For more sector detail see our agriculture business loans resources on agriculture business loans.

Loan & finance products available via our panel

Through our network of brokers and lenders you can explore a wide range of products. Which is right depends on the purpose, term and whether security is available.

Asset finance & hire purchase

Common for machinery: spread cost over fixed terms (often 2–7 years) with the asset as security. Useful when you want eventual ownership.

Equipment leasing & refinance

Leasing preserves cash and can offer tax/operational advantages. Refinance can free up equity from existing equipment.

Secured business loans

For larger projects or land-linked finance. Terms vary by lender and may include mortgages over property where appropriate.

Unsecured business loans

Available from around £10,000 upwards but typically subject to stricter affordability and credit criteria. Useful for smaller capex or short-term needs.

Invoice finance & supply-chain facilities

Unlock cash tied up in contracts or invoices — helpful for contractors supplying food processors or wholesalers.

Revolving facilities & merchant advances

Flexible facilities for short-term cashflow management; note these can carry higher costs and should be considered carefully.

Sustainability-linked finance

Products designed for energy-efficient upgrades (solar, heat pumps, EV charging) sometimes paired with grants; lenders may offer preferential terms for verified sustainability projects.

Fast Business Loans does not guarantee approval; we introduce you to lenders/brokers who can assess your case. To see tailored options, Start Your Agriculture Finance Enquiry.

How Fast Business Loans supports UK farms

We act as an introducer — not a lender. Our role is to reduce search time and connect you with providers who specialise in agriculture finance.

• Quick matching — provide a few details and we select suitable lenders/brokers from our panel.
• Sector-aware partners — you’ll be introduced to specialists who understand seasonal income and grant receipts.
• Discreet & non-binding — your enquiry is used solely to match you with potential providers; it’s not an application.
• Fast responses — many farmers receive an initial contact within hours during business days.

Complete a short enquiry and we’ll do the legwork: Get Started — Free Eligibility Check.

Eligibility & information lenders commonly request

Each lender sets its own criteria, but these are commonly requested:

Business profile

• Company structure (limited company, partnership), trading history and primary activity.

Financials

• Turnover, profit/loss, recent accounts, bank statements (often last 6–12 months), cashflow forecasts.
• Subsidy/BPS receipts or confirmed contracts — valuable evidence for agricultural cashflows.

Security & guarantees

• Available assets (machinery, property) and whether personal guarantees may be requested — lenders differ in approach.

Credit profile

• Credit history is considered; an enquiry to Fast Business Loans does not affect your credit score. Lenders may run checks later if you choose to proceed.

If you’ve been declined previously, don’t give up — our panel includes alternative finance specialists who review more complex cases. Ready to find your best matches? Free Eligibility Check.

Rates, terms & responsible borrowing

Costs vary according to product, term, security and risk profile. Typical ranges to expect:

• Asset finance: often 2–7 year terms; rates depend on asset age and borrower risk.
• Secured land/property loans: longer terms possible, depending on security.
• Unsecured facilities: available from £10,000 but usually at higher rates and shorter terms.

We encourage responsible borrowing. Before you proceed, make sure you:

• Compare APR, fees and any early repayment charges.
• Consider affordability across seasonal cycles and stress-test projections.
• Ask your matched broker or lender for a clear breakdown of costs in writing.

Fast Business Loans helps you obtain transparent quotes so you can compare fairly. Get transparent quotes from trusted lenders.

From enquiry to funding — the 4-step journey

1. Complete our short enquiry form (takes under 2 minutes) — this is not an application, it’s information to match you.
2. We select and introduce you to appropriate lenders or brokers who specialise in agriculture.
3. Provider consultation — discuss terms, supply requested documents and receive tailored quotes.
4. Choose an offer and complete the provider’s application process to draw down funds.

No obligation at any step. To begin, Start Your Enquiry.

Case snapshot — Lincolnshire arable farm

Challenge: A 250-hectare arable farm needed a new combine and traction equipment ahead of harvest to avoid costly delays.

Solution: We matched the owner with a broker experienced in agricultural asset finance. The broker arranged a hire purchase facility for £250,000 tailored to the farm’s cashflow seasonality.

Outcome: Equipment delivered within three weeks, repayments structured around harvest receipts to smooth affordability and improve yield turnaround. Result: reduced downtime and improved operational efficiency.

See what’s possible for your farm — Check Your Eligibility (No Credit Impact).

Why UK farmers choose Fast Business Loans

• Speed: quick enquiries and fast introductions — many responses within hours.
• Relevance: we match you to providers who understand agriculture.
• Range: access to multiple finance types for sums from £10,000 upwards.
• No cost to you: our service is free and non-binding — you only engage the provider you choose.
• Confidential: your details are only shared with selected partners relevant to your request.

Ready to compare the best options? Get a tailored agriculture finance shortlist.

Frequently asked questions

Can new or early-stage farms access funding through Fast Business Loans?

Yes. We can introduce newer farms to lenders and brokers who consider alternative evidence of viability, start-up friendly facilities and mentorship. Eligibility depends on your trading profile and the lender’s criteria.

Do I need land or machinery as security for an agriculture loan?

Security requirements vary. Many products use machinery or property as security; some working capital or invoice finance options may require less traditional security. Your matched broker will explain options for your situation.

How quickly could funding be arranged once I’m matched?

Initial contact is typically within hours. The overall funding timescale depends on the product, documentation and underwriting — some asset finance deals complete in days; larger secured loans can take longer.

Will submitting an enquiry affect my credit score?

No — completing the Fast Business Loans enquiry does not impact your credit score. Lenders or brokers may perform credit checks if you proceed with an application.

Can I refinance existing equipment or loans?

Yes. Many providers in our panel offer refinance solutions to improve cashflow or consolidate borrowing where eligible.

Have another question? Start your free enquiry and a specialist will be in touch: Start Your Agriculture Finance Enquiry.

Get started — final note & compliance reminder

Fast Business Loans makes it faster and easier to find agriculture finance. Our service is free, confidential and non-binding. Provide a few details and we’ll match you to lenders and brokers who can offer quotes tailored to farms and agribusinesses (loans typically from £10,000 and up).

Start now: Get Started – Free Eligibility Check

– What types of agriculture business finance can I access through Fast Business Loans?
Through our panel you can access asset finance and hire purchase, equipment leasing and refinance, secured and unsecured business loans, invoice finance, revolving facilities, and sustainability‑linked finance tailored to UK farms.

– How does the Free Eligibility Check work, and will it affect my credit score?
It’s a quick, no‑obligation enquiry used to match you with suitable lenders/brokers and it won’t affect your credit score, though partners may run checks if you choose to proceed.

– How quickly can UK farms get funding after an enquiry?
Many farmers receive an initial response within hours, with some asset finance completing in days while larger secured facilities can take longer.

– What can agriculture loans be used for?
Funding can cover machinery and equipment, livestock purchases, land improvements and sustainability upgrades, plus seasonal working capital for inputs and labour.

– Do you lend directly, and does using your service cost anything?
No—Fast Business Loans is an introducer that connects you to lenders and brokers, and our matching service is free and without obligation.

– Do I need security or a personal guarantee for farm finance?
Security requirements vary by product and lender, with machinery or property commonly used and some facilities requiring personal guarantees—your matched broker will explain what’s needed.

– What loan amounts, rates and terms are typical for agriculture finance?
Loans are usually available from around £10,000 upwards, with asset finance often over 2–7 years, secured land/property loans potentially longer, and unsecured options typically shorter at higher rates.

– What documents will lenders usually request from a farm business?
Expect to provide a business profile, recent accounts and 6–12 months of bank statements, cashflow forecasts, equipment quotes/invoices, and evidence of subsidy receipts or contracts.

– Can new or early‑stage farms get funding?
Yes—our panel includes lenders who consider alternative evidence of viability for start‑ups and newer farms, subject to each provider’s criteria.

– Do you offer finance for sustainability projects like solar PV or irrigation?
Yes—sustainability‑linked finance is available for verified projects such as solar PV, irrigation, water storage and efficiency upgrades, with some lenders offering preferential terms.