Agricultural Finance

Having the right technology is at the core of staying competitive in the agricultural sector.

Whether you need to update your equipment with the latest innovations or grow your operations with additional assets, our agricultural finance can support you in achieving your goals without diverting funds from other areas of your business.

  • Quick decisions and finance application turnaround

  • Expertise in many specialist sectors

We understand that no two agricultural businesses are the same when it comes to accessing finance.

 

Helping to meet your farm finance needs

Agricultural finance, also known as farm loans, allows you to purchase or lease types of industry machinery, equipment, and technology required to grow or expand your business.

This type of farm loan enables businesses to purchase farm and agricultural infrastructure, which often involves large upfront costs. Our tailored solutions can offer an alternative way to purchase the agricultural equipment you need, without putting pressure on your finances.

We believe that all UK businesses have unique needs when it comes to accessing finance

What agricultural equipment can be financed?

Tractors

Sprayers

Trailers

Combine harvesters

Utility Vehicles

Irrigation Systems

Tailored agricultural finance

If you’re looking at agricultural machinery finance, you’re in the right place.

We like to make things simple. See our four-step process from choosing a combine harvester to harvesting your first crop:

Choose your asset

Find the agricultural asset you want to purchase and contact our team.

Agricultural finance payments and proposal

Understand your financial position and agree an affordable payment profile.

Approval and invoice from the supplier

Get a quick decision. We request the invoice from the dealer.

Documents are signed and the supplier is paid

Once the documents have been signed, we pay the supplier.

We believe that all UK businesses have unique needs when it comes to accessing finance

Why use us for your farming finance?

  • Turnaround time – We aim to get you an agriculture finance offer in writing within 24 hours of your application.

  • Service – We treat each enquiry like it’s the only one we have received. This means you get a personalised service for your application, as well as any other support you may need during the process.

Get in touch to discuss agricultural finance in more detail and tell us your requirements.

A close up image of young seadlings growing in lush soil with a upward trending graph behind them

FAQs About Agricultural Finance

Agricultural finance is funding available for farms and agribusinesses. This can be through loans, leases, and tailored financial products (seasonal payments, etc.), to help manage their business and with cash flow.

Many agricultural businesses use this type of finance product to ensure business stability and growth when faced with unique challenges such as weather, market shifts, and large capital costs for equipment, livestock, land, or diversification (e.g., renewable energy).

Farmers use this kind of finance to help bridge seasonal cash flow gaps, while allowing them to invest in assets such as tractors, silos, milking machines, or solar panels.

We offer a whole range of finance options for agricultural businesses. Through us, you can access specialised farm loans, asset finance (which includes leasing/hire purchase for machinery, vehicles, and livestock), and finance for diversification/renewables.

When you apply for finance through STAR, you’re accessing funds that can go towards tractors, irrigation systems, combine harvesters, and many more essential items!

There are several benefits to agriculture and farming finance, but the main benefit is that it gives access to funds when traditional lenders might not offer suitable terms, allowing farms, vineyards, and other rural businesses to expand their operations.

Agricultural finance can also help cover unexpected costs due to machinery breakdowns, market price drops, or bad weather, reducing financial pressure, allowing businesses to invest in new technologies and machinery, and keeping farms competitive and efficient.

Businesses within the agricultural sector also use this type of finance for exploring new revenue streams, like renewable energy projects, to create more resilient businesses. It can also be used to provide predictable, fixed payments over agreed terms, making future budgeting easier and more reliable.

It depends! When you apply, we’ll look at affordability, your agricultural business’ annual income, and how much you wish to pay back each month, all without it hurting your finances.

We aim to make borrowing as easy as possible, and that means you’ll get a quick decision from the moment you complete your application. Discuss your options with us today!

More expertise in specialist sectors

Industries we work with

Agricultural

Agricultural

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Automotive

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Aviation

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Cleaning

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Construction

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Education

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Engineering

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Healthcare

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Hospitality

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Leisure & Sports

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Marine

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Retail

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Technology

Turning a Unique Request into Success

A customer needed funding for 500 second-hand pig aardvarks, a unique and tricky asset to finance. Most lenders wouldn’t consider it due to the second-hand nature and niche market.

The customer’s current broker initially promised funding but couldn’t deliver. This left the client scrambling for options.

We used our network to find three lenders willing to fund this unusual request. Due to the nature of this the pricing varied widely, but one of our trusted lenders offered excellent terms.

We secured the funding they needed with competitive pricing. Despite the initial roadblocks, we delivered where others couldn’t.

Agriculture Finance

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Are you a Supplier looking for finance for your customers?

If you sell any form of equipment, machinery or commercial vehicles, why not offer point of sale finance to your customers? You can make supplier finance arrangements through any one of our group businesses, where local knowledge is backed by national support.