We are an innovative and flexible lender dedicated to the agricultural sector across the United Kingdom. Securing finance is essential for every business and we offer an adaptable and responsive service to meet your needs. We deliver sound, quick and fair decisions that allow you access to finance to diversify, sustain, grow and improve your business.

Collectively, we have been helping farmers for decades to secure finance to run their businesses and within the team there is over one hundred years of combined financial experience. What makes us different is that you are guaranteed to be able to talk to the person making the lending decision and someone from our own 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.

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.

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.

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.


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.


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.

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.

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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Lending Criteria Overview

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 the UK, together with a small head office in London and our lending team based in the Surrey/Kent borders.

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From £100,000 to £10 Million
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Typical duration of 24 to 36 months
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Loan to value of less than 65%
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No early redemption penalties
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Secured on farmland and agricultural property
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Adverse credit history considered sympathetically

How it works

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You contact us


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


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


UK Agricultural Finance partners with NatWest to support British farmers

Specialist agricultural business finance company UK Agricultural Finance joins a select group of leading alternative finance firms on NatWest’s Capital Connections panel.  UK Agricultural Finance is the tenth lender to join the panel and the first industry specialist.

New Ways to Farm

New ways of farming that increase the financial yield per acre can bring other benefits, such as being more eco-friendly and sustainable. Currently, British farmers are not competitive with the Netherlands, which is the world’s second largest global exporter of food after the US.

Protected Designation of Origin, or How to Increase Margins

The UK currently has 78 registered PDOs, which effectively create a brand for locally produced food (and drink) that cannot be copied. For example, a sparkling wine is only called Champagne (a PDO) if it comes from the Champagne region and is produced under the appellation rules. This is an EU food naming scheme that protects regional and traditional foods, whose authenticity and origin can be guaranteed, from being copied by other producers.


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