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.
Our team have been helping businesses secure finance for decades. What makes us different is that you can talk to the person making the lending decision and someone from our team will always visit you.
Lending Services
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.
Why we're different
- We are straightforward to deal with and experts in our field.
- We offer a no-nonsense approach and speak farming.
- We take responsible lending seriously and believe our loans should help you create value.
- You can talk directly to a lending decision maker.
- All our loan officers have practical experience of building a business.
- If we can’t help you, we will tell you quickly and honestly.
Lending Criteria
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 Britain, with our lending team based in the Surrey/Kent borders.
Warning: foreach() argument must be of type array|object, string given in /home/u/k/ukaf/public_html/wp-content/themes/ukaf/page-home.php on line 77
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
““
Working with UK Agricultural Finance gave us the flexibility and support we needed at an important stage in growing our business.
The funding allowed us to purchase additional grazing land and a barn alongside our existing farm, helping us expand the flock, improve efficiency and support the wider diversification of the business.
Since taking out the loan in Spring 2023, the business has continued to grow successfully across both the farming and non-farming enterprises, and we were pleased to repay the loan in full from our own finances in May 2025.
Louise and the wider team at UK Agricultural Finance were supportive and easy to deal with throughout. In particular, the team were extremely helpful in facilitating the early repayment of the loan, which was arranged and completed within a week.
Their understanding of rural businesses and straightforward approach made the whole process smooth from start to finish, and we would be happy to recommend UK Agricultural Finance to others in the agricultural sector
UKAF have been an absolute pleasure, and have literally helped to change our future.
Damian Russell
News
Farm Lending That Works for British Agriculture
Start-Up Farm Loans: Supporting Your Journey into Agriculture
Strengthening a Multi-Generational Farming Business Through Smarter Finance
Working closely with farming families across the UK, I often see first-hand how financial pressures can build over time, particularly in well-established, multi-generational businesses. This was certainly the case for a father and son team in Scotland I recently supported, where a strong and successful operation had become weighed down by a complex structure of existing borrowing.
read more