Agricultural Finance
Specialist agricultural finance across England, Scotland and Wales — helping farmers and agribusinesses access the funding they need to grow.
We arrange agricultural finance for farmers and landowners, from smallholdings to country estates, across England, Scotland and Wales. As a broker, we work with lenders who understand rural property and the way farm businesses actually generate income.
What Lenders Look For
- Facilities from £100,000 to £5 million
- Term loans up to 60% LTV inclusive of fees, interest only, over terms up to 7 years
- Term loan rates from 9.99% per annum, assessed on affordability and income from any source
- Bridging up to 50% LTV including fees and rolled-up interest, up to 24 months
- Bridging rates from 10.25% per annum
- Secured by a first charge over agricultural property or land
- Every case assessed on its own merits, with rates reflecting the risk
Why Choose us
<p>Our team is experienced in rural business, and we understand how to structure a case against agricultural property where a one-size-fits-all approach does not work. We take a pragmatic and flexible view, and borrowers and introducers deal with us directly — we manage the case from first enquiry through to the solicitor stage.</p>
What types of agricultural finance are available?
Term loans, bridging finance, land purchase loans and equipment finance. The right option depends on what you are funding, the security available and how the borrowing will be repaid.
Who is eligible to apply for agricultural finance?
Farmers, landowners and agricultural businesses, including sole traders, partnerships and limited companies. Lenders assess the security and the way the borrowing will be repaid rather than credit score alone.
What loan sizes and loan‑to‑value (LTV) ratios can I expect?
Facilities typically range from £100,000 to £5 million. Term loans go up to 60% loan to value inclusive of fees, and bridging up to 50% including fees and rolled-up interest.
What are the typical interest rates and repayment terms?
Term loan rates start from 9.99% per annum on an interest-only basis, over terms up to 7 years. Bridging rates start from 10.25% per annum, over terms up to 24 months. Every case is assessed on its own merits and the rate reflects the security and the exit.
Can I use agricultural finance for land purchase?
Yes. Land purchase loans are available for agricultural land and farms across England, Scotland and Wales, secured by a first charge over the land or the wider holding.
