We have been helping businesses secure finance for decades.  What makes us different is that you can talk to the person making the lending decision and someone from our team will always visit you.

Lending Services

Purchase of Land

Additional acreage or a unique property opportunity may come available at any time and often at short notice. We can move quickly to help you secure this and expand your business.

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Livestock Finance

Once you decide that you’d like to expand your livestock holdings, our facility can provide a flexible option that can be used repeatedly, allowing you to make judicious purchases or sales, depending on the market.

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Recovery & Restructure

We understand the acute financial pressures farmers face and can help you cope with expected and unexpected demands. Being able to take control and plan rationally is vital - our facility can provide your window for this.

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Renewable Energy

Renewable energy projects can be a great source of additional income and add real value to under-utilised land on your farm, or even turn waste products into revenue.

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Diversification

Diversifying your enterprise can increase revenue and reduce risk. We understand this and the benefits it brings in the current market, as our team has direct experience of building new businesses.

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Property

Are you making the most from your property? A loan from us could help you develop, renovate or repair property for capital appreciation and income generation.

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Generational Transfers

Looking to transfer your farm to the next generation, possibly below market value, but wanting to keep some of your capital?  One of our loans might help you achieve this.

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Tenancy Right to Buy

If you’re a tenant farmer and have a right to buy your land, we may be able to help with a loan based on the open market value of your land, rather than the actual discounted purchase price.

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Why we're different
  • We are straightforward to deal with and experts in our field.
  • We offer a no-nonsense approach and speak farming.
  • We take responsible lending seriously and believe our loans should help you create value.
  • You can talk directly to a lending decision maker.
  • All our loan officers have practical experience of building a business.
  • If we can’t help you, we will tell you quickly and honestly.
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Lending Criteria

We are an independent direct lender to the agricultural sector, financed by private capital. We offer flexible secured finance solutions and have a highly experienced team covering the whole of Britain, with our lending team based in the Surrey/Kent borders.

How it works

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You contact us

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We send you a decision in principle for you to accept

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We receive all information requested, including an independent valuation, and visit you on your farm

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The loan completes and you receive funds

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You build your business and repay or refinance our loan

““

The team at UK Agricultural Finance, demonstrated a real ability to understand both my business and personal needs. They were able to quickly translate that understanding into a loan arrangement which matched my requirements, and have acted professionally and supportively throughout the process. I look forward to continuing to work with them.

SS, Lincolnshire

News

Are You A Tenancy Farmer With A Right To Buy?

Get the Finance Needed to Expand your Herd

Rural Insurance partners with UK Agricultural Finance to offer a new source of funding

Rural Insurance partners with UK Agricultural Finance to offer a new source of funding

Rural Insurance has teamed up with specialist agricultural business lender, UK Agricultural Finance (‘UKAF’), to provide farmers and landowners with access to flexible and secured finance solutions.
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