Do you help agricultural contractors and horticulture businesses?
Yes. Best Business Loans helps agricultural contractors and horticulture businesses across the UK explore suitable commercial finance options by matching them to relevant lenders and brokers. We don’t lend directly; we introduce you to finance providers that understand your sector, your seasonality, and your assets.
How we support agricultural and horticulture businesses
Farming and horticulture are asset-heavy, seasonal, and price-sensitive sectors. Our AI-driven platform uses those realities to guide you toward lenders and brokers who actively fund businesses like yours.
We focus on connecting established companies with finance providers who understand agricultural operations and horticultural cycles. That includes businesses with diversified revenue streams and mixed assets.
We do not provide loans ourselves. We introduce you to relevant finance professionals so you can compare options and decide what fits your cash flow.
Who we typically help
- Agricultural contractors: planting, drilling, spraying, harvesting, muck spreading, baling, and slurry handling.
- Horticulture: growers, nurseries, glasshouse operators, garden centres, landscapers, grounds maintenance, and arboriculture.
- Specialist operators: amenity spraying, turf growers, fruit and veg packers, and agri-waste handling.
We aim to help established limited companies and LLPs that need finance for equipment, vehicles, seasonal working capital, or sustainability upgrades. We cannot currently support start-ups, sole traders, franchises, property finance or commercial mortgages.
What you can expect
- Fast onboarding: a simple Quick Quote form with sector-specific prompts.
- Targeted matching: introductions to lenders or brokers already active in agri and horti finance.
- Transparent next steps: you remain in control, with no obligation to proceed.
To learn more about sector-specific options, view our farming loans guide. It outlines typical use cases and the types of funding agriculture businesses commonly explore.
Finance types we can help you explore
Every farm, contractor, greenhouse, or landscaping business has different needs. Our platform helps you explore a wide range of non-property commercial finance through our network.
The options available to you will depend on your trading history, assets, turnover, and cash flow. Security, guarantees, and deposit levels vary by lender and product.
Asset finance for machinery and kit
- Hire Purchase for tractors, combines, sprayers, telehandlers, mowers, and compact tractors.
- Finance Lease for horticultural machinery, glasshouse systems, conveyors, potting machines, and irrigation gear.
- Refinance to unlock equity in owned machinery for cash flow or growth projects.
Vehicles and specialist equipment
- Funding for pickups, crew vans, refrigerated vehicles, cherry pickers, wood chippers, and stump grinders.
- Seasonal or structured repayments to better align with harvest or landscaping cycles.
Working capital and cash flow
- Term loans for inputs, labour, and contract mobilisation costs.
- Invoice finance to release cash from slow-paying trade buyers, local authorities, and commercial clients.
- Asset-backed lines for flexible drawdowns during peak season.
Green and sustainability funding
- Support for energy efficiency, solar PV for barns and glasshouses, LED lighting, and water management.
- Equipment upgrades that reduce fuel, fertiliser, or pesticide use.
Publicly supported schemes
- We can introduce you to providers participating in the British Business Bank’s Growth Guarantee Scheme, where eligible.
- Availability, eligibility, and terms vary by lender and time of year.
We will not claim a particular product is right for you. Instead, we help you compare credible options and speak with specialists who understand the realities of agriculture and horticulture.
Eligibility, documents, and how our matching works
Most lenders and brokers we work with prefer established UK companies with a track record of trading. This helps them assess seasonality, asset values, and contract pipelines more accurately.
Our process is designed to be quick, clear, and tailored to your sector. You can expect straight-line steps and transparent information requests.
Typical eligibility indicators
- UK limited company or LLP with 1–2 years’ trading history or more.
- Demonstrable income from agricultural or horticultural activities, contracting, or related services.
- Clean or manageable credit profile, subject to lender criteria.
Important eligibility note
We are currently unable to support start-ups, sole traders, franchises, property finance, or commercial mortgages. Some lenders may consider younger businesses on a case-by-case basis, typically with stronger security or guarantees.
Documents commonly requested
- Last two years’ filed accounts and recent management figures.
- Six months’ business bank statements.
- Aged debtors and creditors reports, where applicable.
- Asset schedules for machinery and vehicles, plus any existing finance details.
- Key contracts or order books for agricultural seasons or maintenance frameworks.
How our AI-led matching works
- Complete a Quick Quote: tell us what you need funding for, and the sector you operate in.
- AI analysis: our system aligns your profile with providers active in your niche.
- Introductions: we connect you with suitable lenders or brokers who may be able to help.
- Your decision: you compare terms and decide if you wish to proceed.
Initial responses are often quick, especially for straightforward asset finance. Timelines vary by lender, product type, and the speed of document sharing.
Costs, risks, and responsible information
It’s important that your decisions are informed, realistic, and based on a clear view of costs and risks. We aim to make our communications fair, clear, and not misleading.
We do not offer financial advice. We act as an independent introducer, connecting you to professionals who will provide their own terms and disclosures.
Understanding costs
- Rates vary by product type, asset class, credit profile, and security available.
- Fees may include arrangement, documentation, or intermediary costs. These should be disclosed by the provider.
- Repayment structures can be monthly, seasonal, or include balloons, depending on the product.
Key risks to consider
- Missing payments can negatively affect your credit and may lead to the repossession of financed assets.
- Variable rates can increase costs if interest rates rise.
- Early settlement charges may apply; ask the provider to confirm any exit fees.
Compliance and fairness
All financial promotions should be clear, fair, and not misleading under FCA standards. We aim to provide balanced information so you can weigh benefits and trade-offs.
We comply with Google’s financial services policies and UK advertising rules. We encourage you to read providers’ terms in full and ask questions before committing.
Eligibility, rates, and approvals are subject to provider assessment and may change over time. Always check the latest scheme or product details with the provider.
Next steps for agricultural and horticulture firms
If you are planning seasonal work, upgrading machinery, or smoothing cash flow, a quick eligibility check can save time. Our process is free to start and there is no obligation to proceed.
We keep your information confidential and only introduce you to relevant finance providers. You stay in charge of every decision.
How to get your free Quick Quote
- Tell us about your business, sector, and funding purpose.
- Share the amount, asset type, or cash flow need you’re exploring.
- Upload supporting documents if available to speed up the process.
Our AI then looks for a match across lenders and brokers that engage with agriculture and horticulture. If there is a potential fit, you will be introduced to discuss next steps and indicative terms.
FAQ for agricultural contractors and horticulture businesses
Do you support seasonal repayments? Many providers in our network offer seasonal or structured profiles for agriculture and horticulture, subject to eligibility and product type.
Can I refinance existing machinery? Yes, refinancing to release equity is common in this sector. Availability depends on asset age, condition, and valuation.
Do you help sole traders? Not at present. We primarily support established limited companies and LLPs, in line with our platform criteria.
Key takeaways
- We introduce agricultural and horticulture firms to suitable lenders and brokers, rather than lending directly.
- Common options include asset finance, vehicle finance, invoice finance, working capital loans, and sustainability funding.
- Eligibility and terms depend on your profile, assets, and sector specifics, with risks and costs to consider.
Start your finance journey today. Complete your Quick Quote to see which providers could support your agricultural or horticulture plans.
Updated October 2025