Diversifying your enterprise can increase revenue and reduce risk.  We understand the need for this and the benefits it brings in the current market, as our team has direct experience of building new businesses. We are open to all ideas, with a pragmatic and commercial approach to the challenges involved.

We consider any credible proposal, from holiday lets, to farm shops and novel crops.  All we ask, is a well thought out business plan and relevant expertise available to you.

Lending Criteria

Loan size
£100,000 to £10,000,000
Location
England, Scotland and Wales*
Borrower
Sole traders, partnerships, limited companies and pension funds
Loan to value limit
65%
Security
Agricultural land and property
Use of proceeds
A relevant business plan
Age limits
None
Repayment
Interest only, roll up and repayment options
Duration
Typical duration of 12 to 84 months

How Can We Help

  • Tick Diversification

    Diversifying your enterprise can increase revenue and reduce risk

  • Tick Experienced

    We understand the need and the benefits of diversification in the current market, as our team has direct experience of building new businesses

  • Tick Pragmatic

    We are open to all ideas, with a pragmatic and commercial approach to the challenges involved

  • Tick Open Minded

    We consider any credible proposal, from holiday lets, to farm shops or novel crops.  All we ask, is a well thought out business plan and relevant expertise available to you

Application Form

I agree to the terms & conditions found here

Application Process

Step 1

Step 2

Step 3

Step 4

Step 5

Step 6

Step 7

Step 8

rail
Step 1

You have an idea on how to diversify your business:

  • Research idea + expert advice
  • Business plan
  • Research different funding sources
Step 2

You contact us:

  • How much would you like and what the funds are for
  • What the security is worth
  • When do you need the money
  • Any existing debts
  • How will you repay us
  • Anything else we should know
Step 3

We send you a decision in principle for you to accept:

  • How much we can lend, the interest rate and any fees
  • Your only commitment at this stage is for any costs incurred on legal or valuation fees
Step 4

Your application goes to a dedicated loan officer:

  • They help and guide you through the process from start to finish
  • We instruct an independent valuation of the property
  • You appoint a solicitor to act for you
Step 5

Your loan officer asks for:

  • Information, such as bank statements, business accounts, tenancy agreements, your business plan, your team’s expertise, a net worth statement and the plan to repay our loan
  • We do credit and land registry checks and the solicitors complete normal conveyancing checks
Step 6

We visit you at the farm to:

  • Get to know you and your current business, as well as your new plans
  • Understand your repayment plan
Step 7

Your solicitor:

  • Explains everything in the documentation
  • You ask about anything you don’t understand
  • You sign to confirm having received independent advice, then sign the contractual paperwork
  • We sign, the loan completes and you receive the funds
Step 8

You build your business and repay our loan

Case Studies

Funding for Diversification

Our client had recently taken control of the family farms and wanted to improve their revenue.

read more