Do you cover farms across England, Scotland, Wales, and Northern Ireland?
Short answer
Yes — Best Business Loans supports farms and agri-businesses across all four nations of the UK: England, Scotland, Wales, and Northern Ireland. We don’t lend directly; we help you find relevant finance providers, lenders, and brokers who actively serve the agriculture sector in your region. Our AI-led matching process is fully online and designed to work seamlessly for rural and remote farms too.
We aim to introduce established farm businesses to suitable funding options, from equipment and vehicle finance to cash flow, sustainability upgrades, and refinance. Availability, rates, and terms depend on each provider’s criteria, your business profile, and the type of funding required.
For a deeper overview of sector-specific options, see our page on farming loans and agricultural finance support.
Who we help across the UK’s farming regions
Farms and agri-businesses we commonly support
We match a wide range of agricultural businesses, including arable, dairy, beef and sheep, poultry, pig units, horticulture, mixed farms, and agri-contractors. We also support ancillary rural enterprises such as packhouses, cold storage, food processing, and agri-tech. If you’re investing in equipment, vehicles, or modernisation, we’ll aim to connect you with relevant providers.
Our network includes lenders and brokers that understand seasonality, commodity price fluctuation, and the capital intensity of farming. Many providers can consider structured repayments, VAT deferrals on assets, and tailored terms suited to agricultural cash cycles.
Please note we currently focus on established businesses. At present, we cannot support start-ups, sole traders, franchises, property finance, or commercial mortgage applications. Most successful enquiries come from limited companies or LLPs with trading history.
Important eligibility notes
- We are an independent introducer, not a lender. We don’t provide financial advice.
- Eligibility, rates, and fees are set by the finance provider you choose.
- Security or guarantees may be required depending on the facility type.
- Credit and affordability checks are standard for most products.
How we help farms find the right finance
Our simple process for UK farms
- Complete a Quick Quote: Tell us about your farm, the purpose of funding, and the amount you’re considering. It takes minutes.
- AI matching: Our system analyses your details and shortlists relevant lenders or brokers that serve your sector and nation.
- Introductions: We connect you with suitable providers so you can compare options efficiently.
- Your decision: You review terms, ask questions, and choose the route that fits your farm’s needs and cash flow.
This approach saves time, avoids scattergun applications, and helps you reach decision-makers who understand farming. It’s free to submit an enquiry and there’s no obligation to proceed.
Funding uses we commonly see on farms
- Buying or upgrading machinery, implements, and technology
- Renewable energy and sustainability upgrades (solar, biomass, heat pumps)
- Vehicles and ATV/UTV fleets, tractors, and specialist equipment
- Cold stores, packhouse lines, milk parlours, slurry systems, and robotics
- Short-term working capital for inputs, seasonal peaks, or delayed receipts
- Refinance of existing agreements to improve cash flow predictability
Finance types we can help you explore
- Asset and equipment finance (hire purchase, finance lease)
- Vehicle and fleet finance for agricultural use
- Cash flow loans and seasonal working capital
- Invoice finance for B2B supply chains
- Sustainability and renewable energy funding
- Refinance and consolidation of existing agreements
We do not arrange commercial mortgages or property finance. If you need guidance on structuring a mixed funding plan, we can introduce you to a broker from our network.
Coverage by nation: England, Scotland, Wales, and Northern Ireland
England: broad lender coverage, wide product choice
In England, our network includes providers with strong agricultural portfolios and appetite for equipment-heavy, asset-backed transactions. Many lenders will consider dairy robotics, energy efficiency upgrades, grain storage, or irrigation equipment. Regional knowledge can matter for valuations and seasonal repayment structures.
Providers often understand diversified on-farm income, such as holiday lets or farm shops, though we don’t assist with property finance. We can, however, help signpost lenders for non-property working capital and asset needs.
If you’re investing under schemes linked to sustainability or productivity, be prepared to share quotes and projected benefits. Lenders may ask for evidence of cost savings or yield improvements.
Scotland: rural reach and sector insight
Scottish farms benefit from lenders familiar with hill, upland, and mixed livestock operations. Coverage extends to remote areas, with digital onboarding common and site visits arranged where needed. Machinery and vehicle finance typically includes VAT deferral options on HP, subject to provider criteria.
If you are combining grant-funded projects with commercial finance, lenders usually require full visibility of grant conditions and timelines. Clear documentation helps reduce delays.
Some providers have specialist teams for Scottish agriculture, which may support nuanced discussions around seasonality, CAP legacy considerations, and diversified income.
Wales: tailored solutions for mixed and dairy units
In Wales, we see strong demand for parlour upgrades, renewables, and environmental compliance investments. Lenders often recognise the practical realities of Welsh terrain and transport, and factor this into asset and valuation assumptions.
Where farms participate in sustainability or productivity grants, lenders will want to see project plans and installer quotes. Clear cash flow mapping across calving, lambing, or harvest cycles is useful.
We can introduce brokers who understand Welsh market nuances and lender appetites. Remote and hybrid processes are widely supported.
Northern Ireland: active support for equipment and fleets
Northern Ireland farms can access lenders and brokers accustomed to local operational patterns and supply chains. Asset finance for tractors, telehandlers, trailers, and implements is commonly available subject to standard checks.
Invoice finance may be possible for B2B trade, depending on debtor quality and contract structures. Providers will assess your ledger profile and concentration risk.
As with the other nations, transparency over business performance, asset details, and repayment capacity speeds up decisions.
Documents farms often need to prepare
- Latest full-year accounts and recent management figures
- Bank statements (typically 3–6 months)
- Asset quotes/spec sheets; serial numbers for used equipment
- Details of existing finance commitments
- Business overview, herd or cropping plans, and key contracts where relevant
Clear, fair, and not misleading: our approach to compliance
What you can expect from us
We are an independent introducer using AI to match your farm to potential finance providers. We do not offer loans directly, we don’t give financial advice, and we cannot guarantee acceptance, specific rates, or the “cheapest” deal. Any funding is subject to provider approval, credit checks, and their terms and conditions.
Submitting an enquiry is free and without obligation. If you proceed with a provider introduced by us, we may receive a commission from them; this does not change the terms you’re offered by that provider.
We aim to make all information clear, fair, and not misleading in line with UK advertising standards and FCA principles for financial promotions. You should consider independent professional advice before taking on finance.
Key exclusions and limitations to note
- We do not currently support start-ups, sole traders, franchises, or property finance.
- We do not arrange commercial mortgages or loans secured on property.
- All finance is subject to status and affordability checks by the provider.
- Security or guarantees may be requested by the provider depending on the facility.
Eligibility rules differ across lenders and products, and criteria may change over time. Decisions, timescales, and costs vary between providers and are outside our control.
Your data and privacy
Your information is handled securely and confidentially. We only share your details with finance professionals who are relevant to your enquiry. For transparency, you can ask us which providers we’ve contacted on your behalf.
We recommend retaining copies of all communications and contracts for your records. If anything is unclear, ask the provider to explain charges, APRs, fees, and early settlement terms before you agree.
For government-backed schemes like the Growth Guarantee Scheme, eligibility is set by the scheme and individual lenders. See current guidance on GOV.UK and the British Business Bank for up-to-date details.
Next steps, FAQs, and how to get started
How to move forward
If you’re ready to explore finance options, complete a Quick Quote with a short summary of your farm, what you need to fund, and an estimated amount. Our AI will match your details to providers that are active in your nation and familiar with agricultural lending. You’ll then be introduced to relevant lenders or brokers to discuss terms and next steps.
To help the process run smoothly, gather your latest accounts, bank statements, and equipment quotes. If you’re planning a sustainability or productivity upgrade, include any projected cost savings or output gains in your notes.
There’s no obligation to proceed, and you stay in control. If a provider isn’t the right fit, you can pause, compare alternatives, or wait for a better time in your cash cycle.
Quick FAQs
Do you cover farms across all of the UK? Yes — we cover England, Scotland, Wales, and Northern Ireland, including remote rural areas via digital onboarding.
Do you fund start-ups or sole traders? Not at present. We currently focus on established limited companies or LLPs with trading history.
What’s the typical turnaround time? Simple asset finance can be quick once you supply documents and the provider completes checks. More complex cases can take longer.
Are rates guaranteed? No. Rates, fees, and terms are set by the provider after assessment. Always check the full costs before proceeding.
Is property finance included? No — we don’t support commercial mortgages or loans secured on property.
Key takeaways
- We match UK farms to relevant lenders and brokers across all four nations.
- We’re not a lender and we don’t provide financial advice or guaranteed outcomes.
- Most success comes from established limited companies or LLPs with trading history.
- Asset, vehicle, cash flow, sustainability, and refinance options may be available.
- Submit a Quick Quote to get matched and compare suitable routes with no obligation.
Your farm’s needs are unique — from machinery cycles to milk or crop cash flows. Our goal is to shorten the journey between you and providers who understand agriculture, so you can make confident, informed decisions on finance.
Ready to explore your options? Complete your Quick Quote today and let our AI guide you to suitable providers for your farm’s next step.
About Best Business Loans
BestBusinessLoans.ai is an independent introducer platform helping UK businesses find suitable funding partners using AI-driven matching and a network of lenders and brokers. We don’t claim to have every lender or the lowest rate, but we do aim to save you time and improve the relevance of your options.
Updated: October 2025
Contact: hello@bestbusinessloans.ai