Introduction

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.

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.

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.

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.

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.

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

How it works

You contact us

We send you a decision in principle for you to accept

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

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

News

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.

Equity Release

One of Britain’s largest equity release firms has reported that the market hit a new record in 2016, after a fifth year of growth, with retired homeowners withdrawing over £2.1 billion of property wealth last year via some 27,600 plans. Clearly, the market for traditional equity release on residential property is booming, however when it comes to farms and the agricultural sector is this repeated? Searching the web suggests nothing is available and we find several instances of farming forums asking where to find equity release.

The Savills Farmland Value Survey 2017

Savills recently published their research on Farmland Values in the Great Britain showed the combined 39.8 million acres of farmland in 2016 has been valued at £185.7 billion. In 2016 the available acreage for sale was circa 180,000 one of the lowest levels in the post war period.

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