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 Critera Overview

Loan size
£100,000 to £10,000,000
England, Scotland and Wales*
Sole traders, partnerships, limited companies
Loan to value limit
Agricultural land and property
Use of proceeds
A relevant business plan
Age limits
Before taking out a loan from us, it’s important to familiarise yourself with our Terms & Conditions.

Step 1

Step 2

Step 3

Step 4

Step 5

Step 6

Step 7

Step 8

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.