Farm Loans

Farm Finance

Farm financing & agricultural bridging loans from £26k to £15m for multi-purpose use including property & land purchases, renovation, development, diversification, livestock/plant/machinery, generational transfers, tax or just plain cashflow.

Whether you need a tractor loan, more goats, dairy equipment or want to diversify into a solar farm or other renewable/geo-thermal plant, our loans, secured on agricultural or residential property and land, and are available to any credible business proposal with a viable exit strategy.  

Apply online or arrange a call with our experts today and get our lowest rate no obligation quote on your farm bridging loan.


Farm Finance Lending Criteria

Loan to value (LTV) 70% maximum
Loan term 3 to 24 months
Loan amount £50,000 up to £15m
Interest options Rolled-up, retained or serviced
Interest rates From 0.75%
Decision Immediate decision in principle
Completion 2 weeks
Early repayment fees None
Availability Secured on assets in UK & Europe
Individuals, Companies, SPVs
No credit & adverse credit considered
Exit strategy Sale or refinance

What can farm financing be used for?

Our agricultural loans can be used for…

  • Residential and Agricultural Property Refurbishment
  • Residential and Agricultural Property Purchases
  • Refinancing existing borrowing
  • Land Purchase
  • Livestock Purchase
  • Recovery & Restructure
  • Renewable Energy Development 
  • Diversification
  • Generational Transfers

​Commercial ventures always come with a level of uncertainty, but thriving in the farming sector can be a particularly tough. Property maintenance, mechanical breakdowns, unseasonal weather, livestock issues and rapidly changing circumstances throughout the food supply chain are common day to day battles.  

Even farmers and landowners who are primarily focused on agriculture are now justifiably seeking to diversify their revenue sources; be it through investing in renewable energy, change of use, development and hospitality opportunities. 

Short-term financing make or break for the sector, from farming, agriculture, equestrian to horticultural many businesses success hinges on fast access to funds to help sustain or radically evolve their business model.


Discover more about our farm loans by contacting our agricultural specialists

Farm financing comes in a variety of forms, but one of the most commonly used types of finance is called an agricultural bridging loan. This is a specialist loan which can be used by farmers and landowners to secure swift access to funds in as little as three working days.

These farm loans are extremely flexible and can be used to meet a range of short-term needs.

Take the example of livestock – for farmers wishing to take advantage of a good year, this type of agricultural finance is ideal as it can enable them to upscale the size of their herd at relatively short notice. Similarly, arable farmers needing to invest in new machinery can use agricultural bridging finance to help fund the purchase.

Brexit and Covid19 are also causing disruptions in supply and demand throughout the industry and across society as a whole, meaning desperately needed orders can be cancelled last minute and essential supplies can increase in price without warning, causing cash flow chaos to farmers who may already exist on a financial knife edge. Farm loans can be of huge benefit here, as they can be arranged very quickly, often within 72 hours.

The duration of a farm loan is usually a period of one month to two years, which a certain level of flexibility depending on the borrower’s circumstances. Of course, every farmer’s needs are different and that’s why lenders will create a bespoke package of farm financing which is tailored to their individual situation.

As such, all requests for agricultural bridging loans will be considered on a personalised, case by case basis.

For expert assistance today arrange a call. To find out the exact costs of our agricultural & farm loans and to get the ball rolling just click here for a quote - it takes just 3 minutes!

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