Agriculture and farming business finance
Farms, growers, agri-tech operators. Specialist lenders dominate; mainstream lenders less comfortable with farm-cycle cashflow.
Cash-flow shape
Annual harvest cycle. Subsidy timing variable post-Brexit (BPS / SFI). Long capex cycles on land and equipment.
Products that fit
- Asset finance for plant and machinery
- Commercial mortgage for farmland
- Bridging for harvest-cycle gaps
- Working-capital loans against subsidies
Lenders we route to
- Specialist agri lenders (Oxbury Bank, Hampshire Trust)
- Allica Bank for asset and commercial mortgage
- Specialist construction asset-finance for shared equipment
Typical decline reasons in this sector
- Sole-trade or partnership structure (most farms are not Ltd)
- Single-crop concentration
- Land-valuation disputes
Run the matcher
Open agriculture and farming eligibility checker →Last reviewed: 2026-04-26.