Specialized financing solutions for farmers and agricultural businesses with repayment terms that align with your harvest cycles.
Financing solutions designed specifically for the unique needs of farmers and agricultural businesses
Flexible repayment schedules designed to align with your harvest cycles and seasonal cash flow patterns
Starting from just 4.8% APR with flexible terms up to 15 years to suit long-term agricultural investments
Our lending specialists understand farming cycles, agricultural markets, and the unique challenges faced by agricultural businesses
Financing solutions for every aspect of your farming and agricultural business
Purchase or upgrade tractors, harvesters, irrigation systems, and other essential farming equipment to increase efficiency and productivity
Expand your agricultural operations with financing for land acquisition, leasing arrangements, or property improvements
Cover planting costs, operational expenses, and other cash flow needs during growing seasons before harvest income is realized
Build or renovate barns, storage facilities, processing facilities, greenhouses, or other agricultural structures
Finance new crop varieties, livestock additions, agritourism ventures, or sustainable farming initiatives to diversify your revenue streams
Acquire breeding stock, dairy herds, or other livestock with financing structured around livestock production cycles
Competitive rates and flexible terms designed specifically for agricultural businesses
| Loan Feature | Details |
|---|---|
| Loan Amount | £10,000 - £500,000 |
| Interest Rate | From 4.8% APR (Representative example) |
| Loan Term | 1 - 15 years |
| Decision Time | Within 72 hours |
| Repayment Structure | Flexible options including seasonal, quarterly, or custom payment schedules |
| Fees | 1.75% arrangement fee, no early repayment penalties |
*Representative Example: £100,000 at 4.8% APR over 10 years with seasonal repayments
Apply NowKey requirements to secure agricultural financing
Minimum 2 years of active farming or agricultural business operation
Detailed farm financial statements, tax returns, and production records
Demonstrable farm viability, including successful production history and market access
Check your rate in minutes with no impact on your credit score.
Get answers to common questions about agricultural loans
Agricultural loan repayments can be tailored to align with your farm's cash flow cycle. Options include seasonal payments (larger payments after harvest), quarterly payments, monthly payments, or custom schedules based on your specific farming operation and income patterns.
Yes, our agricultural loans can fund sustainable farming projects including organic certification, renewable energy installations, water conservation systems, and eco-friendly equipment upgrades. These projects may qualify for our green farming incentives, potentially offering more favorable terms.
You'll need to provide 2-3 years of farm financial statements, tax returns, proof of land ownership or lease agreements, inventory of assets, crop insurance documentation, and a detailed business plan for how the loan will be used and repaid based on your production cycles.
We have specialized programs for new and beginning farmers. While we typically require 2+ years of farming experience, we consider other factors for new farmers, including agricultural education, mentorship arrangements, strong business plans, and off-farm income sources that can support repayment.
We understand that agricultural businesses face unique risks from weather events and market fluctuations. Our agricultural loans include provisions for payment flexibility during verified natural disasters or significant crop failures. We also recommend appropriate insurance coverage as part of your risk management strategy.
