Agriculture Business Loans & Finance – Match with Specialist UK Lenders
Summary: Fast Business Loans helps UK farms and agri-businesses find suitable finance from £10,000 upwards by matching you with specialist lenders and brokers. We are an introducer — not a lender — and our quick, no-obligation enquiry lets you compare options without affecting your credit score. Start your Free Eligibility Check and get matched to lenders who understand seasonal income, equipment needs and sustainability projects.
Get Agriculture Finance Options
Why Specialist Finance Matters for UK Agriculture
Farming is seasonal, capital intensive and sensitive to input and commodity price swings. Specialist lenders and brokers understand cashflow cycles, seasonal revenues (harvest or livestock sales), subsidy timings and the value of farm-specific collateral such as machinery or land improvements.
Using a sector-aware introducer reduces wasted applications, speeds up matching and improves the chance of an offer aligned to your farming calendar. We introduce businesses to partners who focus on agriculture finance from approximately £10,000 to several million pounds.
Snapshot: Typical Funding Goals
- Tractor and farm machinery purchases (asset & equipment finance)
- Working capital for seasonal input purchases or harvest contracts
- Grain store or on-farm storage upgrades
- Land improvement, drainage or boundary works
- Diversification projects: farm shop fit-out, visitor facilities
- Rural property refinance and commercial farm buildings
- Renewable energy installations: solar, AD, biomass
- Fleet replacement and vehicle finance for deliveries and contractors
How Fast Business Loans Helps Agricultural Businesses
Tell us about your farm or agri-business
Complete a short enquiry that takes less than two minutes. It collects basic business details, funding amount and purpose — it is not a loan application and does not trigger a hard credit check.
Instant matching with agri-savvy brokers & lenders
We compare your needs across our panel and introduce you to lenders and brokers who specialise in agricultural finance. This saves time and focuses conversations on realistic options.
Compare offers, choose confidently
After introductions you’ll receive quotes and proposals directly from providers. You decide whether to proceed — there’s no obligation or fee for using our introduction service.
Agriculture Finance Solutions Available via Our Panel
Working Capital & Cashflow
Short-term facilities, invoice finance and seasonal finance to cover inputs, payroll and cashflow peaks. Typical sizes vary from £10k upwards with flexible drawdown aligned to harvest cycles.
Asset & Equipment Finance
Hire purchase, leasing and refinance for tractors, combines and other machinery. Lenders commonly finance new or used equipment and structure repayments around productive life.
Property & Land Finance
Refinance or purchase funding for farm buildings, barns and commercial land improvements. Terms and amounts depend on security and business cashflow; specialist agriculture underwriters often apply.
Sustainable & Green Investment Finance
Funding for solar PV, anaerobic digestion, EV fleet upgrades and energy efficiency works. Many lenders combine grant knowledge with private finance to maximise returns.
Specialist Support
Our partners can help with contract finance, purchase order funding, refinancing complex portfolios, and tailored packages for diversification projects.
Why Work with Agriculture-Focused Lenders and Brokers?
General commercial lenders may not appreciate the seasonality of crops, subsidy timing, or livestock valuation. Agriculture-focused partners know how to structure repayments and evaluate non-standard security such as quotas, barns or machinery fleets.
- Flexible repayment aligned to harvest or stock sale dates
- Recognition of agricultural subsidy statements and tenancy agreements
- Faster underwriting where lenders understand farm margins
- Advice on farm-specific risk mitigation (insurance, hedging)
“A 60-hectare arable business in Lincolnshire was matched with equipment finance within 48 hours — we saved weeks of paperwork and negotiation.” — Example outcome
Agriculture Loan Eligibility: What Lenders Usually Look For
Eligibility and documentation requirements vary by lender and product. We help match you to partners likely to accept your circumstances and tell you what to prepare next.
Typical eligibility factors
- UK-registered business entities (limited companies, partnerships, co-operatives, etc.)
- Minimum funding requirement generally from £10,000
- Track record and recent trading performance (some lenders accept new entrants via specialist schemes)
- Credit history and directors’/owners’ background checks
- Availability of security (equipment, property or personal guarantees where required)
Documents you may need
- Recent management accounts and bank statements
- Quotes or invoices for equipment purchases
- Land registry documents or tenancy agreements
- Subsidy statements, Single Payment or DEFRA records
- Cashflow projections and business plan for diversification projects
If you’re unsure what’s required, submit a quick enquiry and we’ll point you to lenders who accept your situation. Get Quote Now
Real-World Funding Scenarios We Can Support
Case study: Dairy farm modernisation
Challenge: Old milking parlour reduced efficiency. Solution: Matched with asset finance for milking equipment; staged payments aligned with grant timing. Outcome: Modernisation completed in 6 weeks; improved yields.
Case study: Arable farm cashflow support
Challenge: High input costs before harvest. Solution: Short-term seasonal facility introduced. Outcome: Smooth cashflow through planting to harvest; facility repaid at sale.
Case study: Diversification into a farm shop
Challenge: Fit-out and initial stock costs. Solution: Introduced to a commercial lender offering a combination of asset and working capital finance. Outcome: Shop opened within 8 weeks.
Case study: Renewable energy installation
Challenge: Upfront cost vs long-term energy savings. Solution: Matched to a specialist green finance provider that paired private funding with grant guidance. Outcome: Payback on energy spend reduced; additional income from FIT-style arrangements.
Financing Sustainable and Innovative Agriculture Projects
Many lenders now offer products tailored to low-carbon and efficiency projects. Whether it’s solar PV, anaerobic digestion or EV farm vehicles, our partners understand grant interplay and long-term savings modelling to structure appropriate finance.
We can introduce you to providers experienced in combining grants and private finance for a cost-effective outcome. Get Agriculture Finance Options
Why Agriculture Businesses Choose Fast Business Loans
We make the process quicker and clearer. Our service is free to businesses and focused on relevant matches rather than a scattergun approach.
- Sector-matched partners with agriculture experience
- Fast introductions — often within hours
- Confidential: we only share details with appropriate partners
- Transparent: no fees or obligation to proceed
- Flexible loan sizes and terms tailored to farms
- Support for sustainability and diversification projects
What Happens After You Submit an Enquiry
- Complete the short enquiry (under 2 minutes).
- We match you to relevant lenders/brokers and make introductions.
- Providers contact you to discuss options and may request documents — usually a soft check or information request first.
- Receive and compare offers; negotiate terms with chosen provider.
- Agreement signed and funds released — timing depends on product but some facilities can be completed within 24–72 hours of approval.
Agriculture Business Finance FAQs
Is Fast Business Loans a lender?
No. We are an introducer that connects UK agriculture businesses with lenders and brokers. We do not lend directly or provide regulated financial advice.
Will submitting an enquiry affect my credit score?
No. Submitting the enquiry does not trigger a hard credit check. Lenders may perform credit checks later — they will discuss this with you before proceeding.
What loan amounts are available for farms?
Our partners commonly support financing from around £10,000 up to multi-million pound facilities depending on the product and security offered.
Can tenant farmers and new entrants get funding?
Yes — some specialist lenders and brokers have products for new entrants and tenant farmers. We match you to partners with relevant experience.
Can finance be secured against land or equipment?
Yes. Many products use equipment, vehicles or property as security. The right structure depends on the lender and your business needs.
How quickly can funds be released?
Timescales vary by product. Some asset finance deals complete in days; property or complex refinance can take longer. After you’re introduced, providers will give estimated timelines.
Important Information
Fast Business Loans acts as an introducer and does not provide lending or regulated financial advice. Loan approvals are subject to status, affordability and lender terms. We aim to be clear and not misleading — your enquiry is free and without obligation. We handle your data securely and only share it with appropriate partners to progress your request. See our privacy policy and terms & conditions for more information.
For deeper reading on farm-specific finance, visit our agriculture resources or explore specialist guides on grants and subsidy interactions. You can also read more about our sector focus on our agriculture industry page: agriculture business loans.
Ready to explore your agriculture finance options?
Tell us about your farm or agri-business and we’ll connect you with trusted lenders and brokers for a free, no-obligation quote. Submitting the form will not affect your credit score.
– Q: What is Fast Business Loans and how does it help UK farms? A: We’re an introducer (not a lender) that matches UK agriculture businesses with specialist lenders and brokers for farm finance via a free, no‑obligation eligibility check.
– Q: Will submitting an enquiry affect my credit score? A: No — the quick enquiry is not a loan application and does not trigger a hard credit check, with any checks only occurring later if you decide to proceed.
– Q: What loan amounts are available for agricultural businesses in the UK? A: We match farms with lenders offering finance from around £10,000 up to multi‑million pound facilities, subject to status and security.
– Q: What types of agriculture finance can I access? A: You can be matched to working capital and seasonal finance, asset and equipment finance (e.g., tractors, combines), property and land finance, invoice finance, and sustainable/green project funding.
– Q: How fast can I get farm finance? A: After introductions, some asset or working-capital facilities can complete within days (often 24–72 hours post‑approval), while property or complex refinance typically takes longer.
– Q: Can tenant farmers, new entrants or start-ups get funding? A: Yes — we work with specialist lenders who consider tenant farmers and new entrants, including those with limited trading history.
– Q: Can repayments be aligned with harvest or livestock sale dates? A: Agriculture‑focused lenders can structure flexible repayments around seasonal cash flow, subsidy timings and sales cycles.
– Q: What documents do lenders usually require for UK farm finance? A: Typical items include recent management accounts and bank statements, equipment quotes/invoices, land registry or tenancy details, subsidy statements, and cash flow projections.
– Q: Can I secure a loan against farm equipment or property? A: Yes — many lenders accept tractors, machinery, vehicles, land or buildings as security, with unsecured options sometimes available depending on eligibility.
– Q: Do you help finance renewable and sustainable farm projects? A: Yes — we introduce farms to green finance specialists for solar PV, anaerobic digestion, EVs and efficiency upgrades, often alongside relevant grants.
