Recovery & Restructure

There are always bumps in the road in business, particularly in agriculture. We understand the need to gain some breathing room, take control and rationally plan the best way forward when financial pressure is at its most acute.

Our facility can provide you with a window to achieve this. We are sympathetic and like to support experienced operators, as we have an ability to see good cases where others have not recognised your ability or business potential.

We are happy to work constructively with you, as our team has successfully negotiated attractive exit terms with the banks’ impaired loans teams and we can put one of the country’s most experienced agricultural receivers to fight your corner and help you back onto an even keel.

Lending Critera Overview

Criteria Icon
Loan size
£100,000 to £10,000,000
Criteria Icon
England, Scotland and Wales*
Criteria Icon
Sole traders, partnerships, limited companies
Criteria Icon
Loan to value limit
Criteria Icon
Agricultural land and property
Criteria Icon
Use of proceeds
A relevant business plan
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 need to put your business back on an even keel, or deal with banks refusing to provide finance:

  • Analyse the problem, develop potential solutions and identify the risks
  • Business plan
  • Research different funding sources
Step 2

You contact us:

  • How much would you like and what are the funds for
  • What’s the security 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 guides 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

Loan for Farm Buy-Back

Our clients were highly successful cattle traders. Unfortunately, their bank made them cross-collateralising their farm with a non-farming business, which failed during the credit crunch and the bank repossessed their farm, but left them in-place to run it.