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.
Farming Business Loans: Tailored Funding for UK Farmers
Summary: If rising input costs, seasonal cash flow gaps or the need for new kit are putting pressure on your farm, Fast Business Loans can match your business to specialist lenders and brokers who understand agriculture. We’re an introducer (not a lender). Complete a short, no-obligation Free Eligibility Check (takes under 2 minutes) and get matched with partners who handle loans from around £10,000 and up. Your enquiry won’t affect your credit score.
At-a-Glance: Finance Options for Agricultural Businesses
Common uses and typical ticket sizes our partners provide:
- Working capital & seasonal cash flow — £10,000 to £500,000; quick decisions from 24–72 hours for unsecured facilities.
- Asset & equipment finance (tractors, combines, milking kit) — from £10,000 up; hire purchase, lease or chattel mortgages.
- Livestock and dairy herd funding — tailored to breeding or production cycles.
- Rural property, land improvement & development funding — higher-value, secured facilities with longer lead times.
- Sustainability & agri-tech loans — finance for solar, water-efficiency, precision kit and carbon-reduction projects.
Why it matters: seasonality means timing and repayment structures can make or break a deal — specialist lenders design facilities to fit harvest and income cycles.
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.
Start your Free Eligibility Check — it takes less than 2 minutes and does not affect your credit score.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Why Specialist Farming Finance Matters in 2025
The cost pressures farmers face
Input costs, labour shortages, market volatility and environmental compliance are squeezing margins. Generic lenders often misread seasonal trading or subsidy income — which can lead to unsuitable offers or refusals.
Common scenarios that need quick capital
Examples where tailored finance helps:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Pre-harvest cashflow to cover fertiliser and fuel before crop sales.
- Replacing or upgrading machinery to improve yields.
- Managing disease outbreaks or unexpected livestock losses.
- Investing in sustainability projects that qualify for specialist green finance.
How Fast Business Loans Helps UK Farmers Secure Funding
We’re connectors, not lenders
Fast Business Loans introduces your business to lenders and brokers who specialise in agricultural finance. We don’t decide on approvals or set rates — our role is to match your farm to providers who are likely to understand your circumstances and respond quickly.
Our four-step matching process (for farms)
- Complete a short enquiry with basic business and funding details.
- We review and match your request to appropriate lenders/brokers in our panel.
- Our partners contact you with tailored quotes and next steps.
- You compare, decide and proceed directly with the lender or broker who suits you.
Get your Free Eligibility Check — there’s no obligation and no fee to use the service.
Finance Products Our Panel Covers for Farms
Working Capital & Seasonal Cash Flow
Short-term facilities that bridge the gap between input costs and sales. Typical features:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Overdrafts, short-term business loans and invoice finance
- Seasonally structured repayments to align with harvest/market timings
- Amounts from £10,000 upwards
Asset & Equipment Finance
Hire purchase, finance leases or chattel mortgages for tractors, combine harvesters, cultivators and specialist kit. Benefits include preserving working capital and tax-efficient structures.
Livestock Finance
Funding for herd expansion, breeding stock purchases or temporary working capital to support livestock cycles.
Rural Property & Land Development Funding
Longer-term, secured loans for land purchases, building conversions or infrastructure works. Expect longer lead times due to valuations and legal work.
Sustainable Farming & Agri-tech Investment Loans
Finance for solar PV, precision irrigation, anaerobic digestion or electric vehicle charging — often with specific repayment profiles and grant combination options.
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.
Quick comparison: amount vs typical term vs security
- £10k–£100k — short-term or asset-backed; fast decisions possible.
- £100k–£500k — equipment, working capital or livestock; may require financials and security.
- £500k+ — land, property or large development; longer due diligence and legal stages.
Eligibility Snapshot: What Lenders Consider
Business profile factors
- Type of company and trading history (years trading helps)
- Annual turnover and cashflow patterns
- Director credit history and existing liabilities
Sector-specific documents
Typical items lenders or brokers may request:
- Recent accounts and management accounts
- Cashflow forecasts & seasonal calendars
- Subsidy or grant award letters (e.g., Basic Payment Scheme statements)
- Asset lists, valuations and herd or flock records
Options for start-ups and diversifying farms
Some brokers on our panel specialise in newer enterprises or diversification projects and can consider robust business plans and forward projections when typical accounts are limited.
Reassurance: submitting an enquiry is a non-credit-search matchmaking step. Check eligibility without affecting credit.
What to Expect: Rates, Fees & Responsible Borrowing
Indicative ranges (for guidance only):
- Unsecured working capital: higher rates, decisions faster.
- Asset-backed finance: lower rates, fixed terms aligned to asset life.
- Property-secured loans: competitive rates but longer timelines and legal costs.
Every lender sets rates and fees differently. Brokers will show APR equivalents and total cost of credit so you can compare. Remember: affordability checks and responsible lending assessments are carried out by the lender.
Tip: ask for a fully broken-down quote showing interest, arrangement fees, valuation and legal costs before you sign.
Preparing for a Smooth Application
Use this checklist to speed the process:
- Latest management accounts or statutory accounts
- Cashflow forecast for the next 6–12 months
- Details of assets to be used as security (make, age, mileage/condition)
- Copies of subsidy/grant statements if relevant
- Clear summary of the funding purpose and how it will improve the business
Spend 15 minutes preparing these items and you’ll usually get faster, more accurate responses from brokers and lenders.
Get Quote Now — complete our short form and we’ll match you with suitable partners.
Success Snapshots from UK Farms
Case example 1 — Dairy herd upgrade
A mid-sized dairy replaced older milking equipment via an asset finance deal sourced through our panel. Result: 30% improvement in milking throughput and quicker payback on the investment.
Case example 2 — Seasonal cashflow bridge
An arable farm used a short-term working capital facility to cover pre-harvest costs and avoided distress selling. The business repaid the facility within two months after strong crop sales.
Case example 3 — Solar and water-efficiency project
A mixed farm combined a sustainability loan with available grant support to reduce energy bills and secure a 7–10 year payback on the project.
Step-by-Step: Your Free Eligibility Check
- Click “Start Free Eligibility Check” and complete the short enquiry (business name, turnover, funding need, contact).
- We match your details to lenders and brokers that specialise in farming.
- A broker or lender will contact you with tailored options, typically within hours during business days.
- Compare quotes and choose the provider you want to proceed with — they handle the formal application.
Timeframe: you may receive initial contact within a few hours; facility completion depends on product type (48 hours possible for quick cash facilities; weeks for property-backed loans).
Start your Free Eligibility Check — takes under 2 minutes and is obligation-free.
How We Keep Your Enquiry Secure & Transparent
Your data is held securely and shared only with selected partners who can help with your request. We follow GDPR-compliant processes and only keep the minimum information needed to match you to lenders/brokers.
There’s no obligation and we charge no fee for introductions. We will always be clear that completing our enquiry is not an application and does not guarantee credit.
Farming Finance FAQs
Can I apply for a farming loan with seasonal income?
Yes. Many lenders consider seasonality and can structure repayments around harvests or sales. Make sure you detail your trading cycles in the enquiry.
Will my subsidies or grants be considered?
Some lenders will factor in reliable subsidy income (BPS or similar) when assessing affordability. Provide award letters or statements where possible.
How fast can funding be arranged before harvest?
For unsecured working capital, funds can sometimes be available within 48–72 hours. Asset and property-backed facilities usually take longer due to valuations and legal work.
Does the enquiry affect my credit score?
No. Our initial matchmaking does not trigger a credit search. Lenders or brokers may carry out credit checks later if you progress with an application.
What minimum loan size do you arrange?
We help connect farms to loans from around £10,000 upwards through to much larger facilities.
Ready to Explore Your Options?
If you need funding for equipment, cashflow, livestock or land improvement, don’t delay — timing can be critical in agriculture. Complete our quick enquiry and we’ll match you with specialist brokers and lenders who understand farming.
Start your Free Eligibility Check — it takes under 2 minutes, is free and doesn’t affect your credit score.
Compliance, Risk Reminder & Useful Resources
Fast Business Loans is an introducer, not a lender. We do not provide financial or legal advice. Finance availability and rates depend on individual circumstances and lender criteria. Borrow responsibly — missed repayments can affect credit ratings. Consider independent advice if unsure.
Useful resources:
Learn more about specialist options for your sector at our farming page: farming loans.
– What types of farming business loans can I get in the UK? — Working capital/seasonal cash flow, asset and equipment finance, livestock funding, rural property and land development finance, and sustainability/agri-tech loans via specialist lenders.
– How does Fast Business Loans work for farmers and does it cost anything? — We’re an introducer (not a lender) and our free, no‑obligation enquiry (not an application) matches your farm with UK agricultural lenders/brokers who contact you with tailored options.
– Will the Free Eligibility Check affect my credit score? — No, the initial eligibility check is a matchmaking step that doesn’t trigger a credit search.
– How fast can I get funding for my farm? — Unsecured working capital can be arranged in 24–72 hours, while asset or property‑backed finance typically takes longer due to valuations and legal work.
– How much can I borrow for agricultural finance? — Our partners consider facilities from around £10,000 upwards, with larger secured loans available for land and property projects.
– Can repayments be aligned with seasonal cash flow and harvests? — Yes, many agricultural lenders offer seasonally structured repayments aligned to harvests and livestock sales.
– Will subsidies or grants (e.g., BPS) be considered during affordability checks? — Many lenders factor in reliable subsidy or grant income when you provide recent award letters or statements.
– Do you help start-ups or farms diversifying into new ventures? — Yes, some brokers on our panel consider strong business plans and forward projections even with limited trading history.
– What documents will lenders typically ask for? — Expect recent accounts, management accounts, cash‑flow forecasts and seasonal calendars, subsidy/grant letters, and asset or herd records if security is required.
– What rates and fees should I expect on farming finance? — Rates vary by product and security—unsecured loans are usually higher and faster while asset/property‑backed deals are lower with longer terms—and brokers provide clear APR and total‑cost breakdowns before you proceed.