Do you offer agricultural mortgages or land purchase finance?

Short answer: no — Best Business Loans does not provide or arrange agricultural mortgages or land purchase finance. We’re an independent introducer that helps UK businesses explore non-property commercial funding options and connect with suitable lenders or brokers. If you need a regulated agricultural mortgage, we can signpost you to specialist advisers on request, but it’s outside our core service.

Our position on agricultural mortgages and land purchase finance

Best Business Loans does not offer mortgages, property finance, or land purchase loans. Our focus is on non-property business funding such as asset finance, equipment finance, working capital solutions, and sector-specific facilities. That means we don’t advise on, submit, or manage applications for agricultural mortgages.

If you’re exploring land purchase, farm expansion, or refinancing farm property, you’ll likely need a regulated mortgage intermediary. We are not authorised to provide mortgage advice or to arrange regulated mortgage contracts. Where appropriate, we can signpost you to FCA-authorised firms that specialise in agricultural mortgages.

For many rural businesses, non-property finance can still unlock growth, productivity, or cash flow. Our AI-driven platform matches your business profile with lenders or brokers who may support your requirements. You stay in control and choose if and how to proceed.

What we can and cannot do

• We can help you explore business finance for equipment, vehicles, machinery, cash flow, sustainability upgrades, and refinancing.
• We cannot offer or arrange agricultural mortgages, remortgages, bridging loans for land, or property-backed lending.
• We can, on request, signpost you to FCA-authorised mortgage intermediaries for independent advice.

Important compliance note

All information on this page is designed to be fair, clear, and not misleading. We don’t provide financial advice and we don’t guarantee that funding will be available. Any mortgage or property-related product should be discussed with an appropriately authorised firm.

Alternatives for farms and rural businesses when a mortgage isn’t the right fit

Not every farming objective requires a land loan. If your priority is operational investment or working capital, non-property finance can be faster and more flexible. These routes often suit purchases that generate returns sooner, such as machinery, technology, or seasonal costs.

Our platform connects established UK businesses to providers that actively fund agriculture and rural enterprises. This includes solutions tailored to volatility, seasonality, and the asset base common in the sector. Repayments can often be aligned to cash flows and contract cycles.

For a sector-specific overview, see our guide to farming loans and related finance options for agriculture.

Funding options we can help you explore

• Asset finance for machinery and equipment, including tractors, combines, milking systems, grain dryers, and precision-ag tech.
• Vehicle and fleet finance for pickups, vans, telehandlers, and specialist trailers and implements.
• Equipment refinance to release equity tied up in existing machinery for reinvestment or cash flow support.
• Working capital loans to cover inputs such as feed, seed, fertiliser, veterinary costs, and labour during peak seasons.
• Invoice finance for B2B sales into processors, wholesalers, or retailers, unlocking cash tied up in payment terms.
• Sustainability finance for energy efficiency, renewables, water management, and environmental improvements.

When alternatives may be better than a mortgage

Speed: asset and working capital facilities can often be assessed and deployed faster than property-backed products. Flexibility: funding can match contract income or harvest cycles without tying up land. Focus: finance what generates productivity gains now, rather than committing to a long-term property loan.

How our AI matching and introducer service works

We use data-led matching to help you find suitable finance providers for non-property business funding. Our service is free to use and there’s no obligation to proceed. You’ll only speak with providers relevant to your needs and sector.

We don’t promise the lowest rate, but we aim to save you time and present credible options. You decide what fits your cash flow, objectives, and risk appetite. If needed, we can signpost to qualified mortgage brokers for land-related queries.

Our role is to make your funding search simpler and more transparent. You’ll have clear next steps and realistic expectations from the start.

Simple steps to a Quick Quote or Eligibility Check

1. Complete a short Quick Quote form with details about your business and funding purpose.
2. Our AI reviews your profile, trading history, sector, and requirements to suggest suitable providers.
3. We introduce you to lenders or brokers who are active in your sector and product category.
4. You compare options, review terms, and decide if you want to progress.

What lenders and brokers typically look for

• Trading profile: years established, legal structure, management experience, and sector stability.
• Financials: turnover, profitability or cash generation, and evidence of resilience through cycles.
• Assets and liabilities: existing finance commitments, available security, and equity in hard assets.
• Credit behaviour: credit history, payment performance, and any prior arrears or CCJs.
• Purpose: a clear, commercial case for the funding and how it benefits the business.

Typical amounts and terms (indicative)

Asset finance: often 12–84 months, aligned to asset life and usage. Working capital loans: commonly 3–60 months, subject to provider criteria. Invoice finance: revolving facility limits linked to eligible debtor books, with ongoing drawdown against invoices.

Mortgages vs business finance — what to weigh up

Choosing between a property-backed product and non-property funding depends on your goal. Land acquisition and long-term estate strategy often point toward mortgages. Operational upgrades, harvesting, or productivity improvements may favour business finance.

Consider timeframes, costs, cash flow impact, and flexibility before you decide. Also factor in the availability of security and how strategic your need is. If in doubt, seek advice from qualified professionals.

Below is a concise comparison to help you frame your thinking. It is not advice and not exhaustive. Terms and outcomes vary by provider and individual circumstances.

Agricultural mortgages and land loans — potential pros and cons

• Pros: potentially lower headline interest rates, long repayment terms, and the ability to acquire or refinance land.
• Cons: longer approval times, valuation risks, arrangement and legal fees, and the need for deposits and property security.
• Additional considerations: agricultural covenants, planning constraints, and exposure to property market cycles.

Non-property business finance — potential pros and cons

• Pros: faster access to funds, product flexibility, and repayments aligned to asset life or seasonal income.
• Cons: interest costs may be higher than mortgages, terms are shorter, and limits tie to trading and asset strength.
• Additional considerations: personal guarantees may be required, and facilities are sized to current business performance.

Decision checklist

• Is land ownership the goal, or do you need working capital and equipment today?
• How quickly do you need the funds, and what security can you offer without undue risk?
• What repayment profile best fits your seasonal cash flow and commodity price volatility?
• Do you want to preserve property assets for future strategic borrowing?

FAQs, next steps, and important disclaimers

We know funding decisions carry weight in agriculture, where cycles and risks are unique. Transparent information helps you act confidently. These FAQs summarise the essentials.

If you still have questions after reading, submit a Quick Quote for a no-obligation eligibility check. We will only introduce you to providers relevant to your situation. If you need a mortgage intermediary, we can signpost you on request.

All promotions are designed to be clear, fair, and not misleading. Always consider independent professional advice where appropriate. Your choice should reflect your business plan and risk tolerance.

Quick FAQs

Do you offer agricultural mortgages or land purchase finance?

No. We don’t offer or arrange mortgages or property finance. We focus on non-property commercial funding and can signpost you to mortgage specialists on request.

Can you still help if I want to buy land?

We can’t arrange a land mortgage, but we can introduce you to providers for other funding needs. For example, machinery, vehicles, input costs, or sustainability projects. These could complement — but not replace — a mortgage arranged elsewhere.

Are you regulated to provide mortgage or investment advice?

No. Best Business Loans is an independent introducer. We do not provide regulated financial advice and do not arrange regulated mortgage contracts.

How fast can non-property finance be arranged?

Timeframes vary by product, amount, and provider. Asset or working capital facilities can sometimes be agreed far quicker than property-backed loans. Speed depends on the completeness of your information and the lender’s criteria.

What does your service cost?

It’s free to submit an enquiry and there’s no obligation to proceed. If you choose to proceed with a provider we introduce, fees or commissions may be payable to us by that provider. You’ll be told about any costs in a clear, fair, and not misleading way.

What do I need to provide for an eligibility check?

Basic business details, funding purpose and amount, and recent financial information. Depending on the product, lenders may request management accounts, bank statements, asset schedules, or debtor lists. Clear, up-to-date documentation helps speed up decisions.

Key takeaways

• We don’t offer agricultural mortgages or land purchase finance; we focus on non-property funding.
• We can signpost you to FCA-authorised mortgage intermediaries on request.
• For many farm objectives, asset finance, working capital, and invoice finance can be faster and more flexible.
• Our AI-led matching helps you compare suitable providers quickly and with no obligation.

Next steps

• If your priority is non-property business funding, complete a Quick Quote for an eligibility check.
• If land purchase is your goal, consider engaging an FCA-authorised agricultural mortgage broker.
• If you’re unsure, outline your objectives in your enquiry and we’ll point you in the right direction.

Updated: October 2025. Information is general in nature and not financial advice. Funding availability, eligibility, and costs depend on your circumstances and provider criteria.