Agricultural Finance

Agricultural finance, also known as 'agricultural loans' encapsulates a specialised area of finance covering those involved in farming, agriculture and other related areas. These include the likes of farm, equestrian and rural land finance, all of which can prove crucial to the running and ongoing progress of related businesses.

SPF Short Term Finance has established relationships with an array of lenders for this specialised type of finance offering. With our networks and our agricultural team’s knowledge and expertise in the area, you can be sure to find the loan that is most suitable for your needs.

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Securing the perfect loan or finance arrangement can be the difference between a business succeeding or failing. We are fully regulated by the Financial Conduct Authority (FCA) and have dedicated agriculture expertise. We aim to smooth the finance process allowing you to concentrate on running your business, rather than having to shop around for finance.

Part of what makes finance in farming and agriculture so specialised is that there are many different assets that can be used as security for the loan. In addition, there can be a number of different business areas within a single farm or related enterprise and while some businesses may focus on a single area as a speciality, others may have a wider scoping business that requires the expert input and guidance that the lenders we work with can provide.

Types of Agricultural Finance

Just as with all areas of finance, there are numerous types of agricultural finance to account for the specialities and very specific needs of different establishments, businesses and farms. It is of paramount importance that the loan you receive is tailored to your precise needs and that is part of how we secure you the best loans available.

Amongst the loans we have helped secure, we have helped ensure the perfect agricultural finance offerings for a range of clients and for a range of specific purposes including:

  • Refinancing of estates
  • Assistance with tax and business planning
  • Planning of a startup equestrian business

Farm Machinery Finance

This type of loan covers all of the various types of machinery that can be found on farms and agricultural establishments. For example, for those seeking to update their efficiency to bail hay, a new hay bailer and tractor, both of which can cost many thousands of pounds, may need to be purchased. Simply by being able to secure the credit needed for these specialised pieces of farm machinery, a farm business can see profits soar.

Agricultural Business Loans

These loans, sometimes referred to as 'farm diversification loans,' are often used in order for an agricultural business to diversify their offering. For example, a beef farmer may have the land space and the capacity to also offer milking facilities, which would allow for the growth of their business. However, the necessary equipment such as milking machinery can be expensive. It is agricultural business finance that can allow this to progress.

Equestrian Finance

This type of finance is applicable to those who run businesses with horses, for example those that host or train horses and who might need extra equipment such as horse-boxes, trailers for transport of the animals, specialist jump equipment, saddles, farrier equipment and more. It is crucial to get exactly the right category of agricultural finance to make sure that the very unique needs of equestrians, their horses and their facilities are met.


Agricultural Loans Tailored to your Needs

Many mainstream lenders will not know the intricacies and very unique needs and requirements that are necessary to succeed in agriculture. Without a lender that understands what you need and is experienced in the sector, securing finance can be very difficult. A specialist agricultural lender will know exactly what you need and the best financing package available to you to help your business go from strength to strength.

A major difference with agricultural finance when compared to more mainstream forms of finance, such as residential property-related loans is that farms and estates tend to comprise a diverse mix of securities such as a main house, agricultural land on top of other commercial assets.

With a plethora of security options upon which to secure the loan itself, we provide the understanding and expertise you need and have assisted many clients in finding the ideal loan for their agricultural needs. We have 20 years of experience in making sure that the loan you receive is perfectly suited to you and your needs and we have countless satisfied clients. More about us

Apply for Agricultural Finance with SPF Short Term Finance

With dedicated agricultural expertise, we will always work to secure the finance that suits your needs and helps you and your business realise its potential.

Call - 0333 222 6687

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