Lendus.

Farming & Agriculture Business Loans

Fund machinery, livestock, land, or diversification projects for your farm. Lendus compares 200+ lenders including agricultural specialists to find the best rates for farmers.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Range

£10k – £5m

Average Loan

£200k

for farming & agriculture

Decision Speed

24–48 hrs

for unsecured loans

Eligibility requirements

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Loan types available

Unsecured Business Loan

Rate
7.5% – 22.9% APR
Term
1 – 5 years
Security
No security required
Best for
Working capital, seasonal inputs (seed, fertiliser, feed), and smaller equipment purchases

Secured Business Loan

Rate
3.9% – 11.9% APR
Term
3 – 25 years
Security
Farmland, agricultural buildings, or residential property
Best for
Land acquisition, barn conversions, large-scale infrastructure, and diversification projects

Asset Finance

Rate
4.9% – 11.5% APR
Term
2 – 7 years
Security
The agricultural machinery or equipment being financed
Best for
Tractors, combine harvesters, livestock trailers, irrigation systems, and precision farming technology

Representative example

Borrow £200,000 over 36 months at 9.9% APR (fixed). Monthly repayment: ~£6,444. Rates depend on your circumstances and the type of loan.

Market context

UK agriculture contributes over £10 billion annually to the economy, with approximately 216,000 farm holdings covering 71% of the UK's land area. The average UK farm income was around £45,000 in 2024, though this varies significantly by farm type.

Common challenges

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Bad credit?

Several of our 200+ lenders work with farming & agriculture businesses that have imperfect credit. You may need a personal guarantee or higher rate, but options exist. Our eligibility check uses a soft search — no impact on your credit score.

Frequently asked questions

What finance is available for buying agricultural machinery?
Asset finance is the most popular option for farm machinery. You can finance tractors, combine harvesters, balers, sprayers, and other equipment over 2-7 years with the machinery itself as security. This means no additional collateral is needed. Both new and used machinery can be financed. Hire purchase gives you ownership at the end of the term, while finance lease may offer tax advantages depending on your structure. Lendus works with specialist agricultural lenders who understand seasonal income patterns.
Can I get a loan for farm diversification projects?
Yes, diversification finance is increasingly popular and well-supported by lenders. Common projects include barn conversions for holiday lets or offices (£80,000-£300,000), farm shops and cafes (£30,000-£150,000), glamping or camping sites (£20,000-£100,000), and renewable energy installations (£50,000-£500,000). Lenders view diversification positively as it reduces reliance on volatile agricultural income. Planning permission and a solid business case are the main requirements.
How does seasonal income affect my ability to get a farm loan?
Agricultural lenders are well aware that farm income is seasonal. Many offer flexible repayment structures, such as annual or bi-annual lump sum repayments aligned with harvest or livestock sales, rather than fixed monthly payments. Overdraft facilities and seasonal lending products are also available to cover input costs during the growing season. Lendus can find lenders offering repayment schedules that match your farm's cash flow cycle.
Are there grants I should apply for before taking a loan?
Yes, always explore grant funding first. Current UK schemes include the Farming Equipment and Technology Fund (FETF), the Farming Investment Fund, and various Countryside Stewardship capital grants. These can cover 25-80% of eligible costs for specific items and projects. However, grants are competitive and have application windows. Many farmers use a combination of grant funding and commercial finance to cover the full cost. Lendus can provide loan finance to complement any grant you receive.

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