Can loans work alongside grants or government schemes for farm improvements?
How loans, asset finance or hire purchase can complement UK farm grants—match funding, timing, procurement and compliance to avoid double funding.
Category Farming
Do you offer agricultural mortgages or land purchase finance?
We don't offer agricultural mortgages or land loans. We match UK rural businesses to non-property finance and can signpost FCA mortgage advisers.
Do you cover farms across England, Scotland, Wales, and Northern Ireland?
We match established UK farms (England, Scotland, Wales, Northern Ireland) to lenders and brokers for equipment, vehicles, cashflow and green finance.
Can I apply if my farm has adverse credit, a CCJ, or missed payments?
UK farms can often secure asset-backed or contract-backed finance despite adverse credit, CCJs or missed payments. Get a Quick Quote.
Can livestock purchases be financed?
Finance livestock in the UK via hire purchase, agricultural loans or specialist facilities with seasonal repayments; connect to FCA-authorised lenders.
What are typical interest rates or costs for farm finance?
UK farm finance guide (2025): secured loans Base+1.5-4.5%, asset finance ~7-16% APR, working capital higher. Includes fees, drivers and tips.
Are personal guarantees or security required for agricultural finance?
Most UK agricultural finance requires security (land, machinery, receivables) and/or personal guarantees; strong assets and cash flow can reduce PGs.
Can repayments be structured seasonally to match harvest or milk payments?
Many UK lenders tailor farm finance with harvest- or milk-aligned repayments. Best Business Loans matches farms to seasonal-aware lenders.
What are typical repayment terms for agricultural finance (eg, – years)?
UK agricultural loans range from 6 months to 25 years: seasonal 6-24m, equipment 2-7y, buildings/land 10-25y; match term to asset life and cash flow.
How much can I borrow for farm equipment or working capital?
UK farm finance guide: typical equipment and working capital limits (£15K–£5M+ equipment; £10K–£5M secured), terms, eligibility, and seasonal options.
Do you support sole traders or start-up farms?
We don't support sole traders or start-up farms yet. We help established UK limited companies/LLPs with trading history and offer guidance.
What are the eligibility criteria for farming loans via your network?
Farming loans for established UK agri-businesses (min 12m trading): asset, vehicle and cash-flow finance. No property mortgages. Subject to status.