For farms and rural businesses
Agricultural and Farm Finance
Agricultural finance helps farms and rural businesses buy machinery, livestock and inputs, invest in buildings and diversify, with repayments that can be matched to seasonal income.
Funding Plus compares lenders that specialise in agriculture, including those offering seasonal and annual repayment profiles.
- Tractor and machinery finance
- Seasonal repayment profiles
- Funding for buildings and diversification
Reviewed by the Funding Plus team · Last updated October 2026
Step 1 of 3 · Agriculture finance
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Cash Flow Challenges in Agriculture
Farm income often arrives in a few large payments a year, while costs run all year round.
Seasonal income
Harvest sales, livestock sales and milk cheques arrive unevenly.
Expensive machinery
Tractors, combines and sprayers cost tens or hundreds of thousands.
Input costs
Seed, feed, fertiliser and fuel must be paid well before harvest.
Changing support payments
Shifts in government support schemes change farm cash flow.
The Best Funding Options for Agriculture Businesses
Asset finance
Machinery finance with repayments that can follow your harvest or sales calendar.
Secured business loans
Larger, longer loans secured on land or buildings.
Business line of credit
Cover input costs through the year and repay after sales.
Commercial mortgages
Buy land or fund diversification projects like farm shops or holiday lets.
Example
An arable farm replacing a tractor
An arable farm needs a £140,000 tractor before spring work. It finances the tractor on hire purchase with annual payments each autumn after harvest, rather than monthly, so repayments match when the farm is paid.
Illustrative example, not a real customer or a quote.
What Lenders Look For
- Farm accounts and income sources
- Land and buildings owned or tenanted
- Machinery age and replacement plans
- Diversification income
- Experience and succession plans
Agriculture Finance FAQs
Can repayments match my harvest?
Yes. Many agricultural lenders offer seasonal, quarterly or annual repayments.
Can I finance used farm machinery?
Yes, well-known makes with a strong resale market are widely financed.
Can tenant farmers get finance?
Yes, especially asset finance. Secured lending depends on what you own.
Is there funding for diversification?
Yes. Loans and commercial mortgages can fund farm shops, glamping, renewables and more. Grants may also be available.
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