Top 10 £20,000 Agricultural Finance Lenders in the UK 2026
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Top £20,000 agricultural finance lenders compared
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Swishfund | Farms needing £20,000 for equipment or livestock with flexible monthly terms | £10,000 to £450,000 | interest 1.1% to 3% monthly |
| 2 | WayFlyer | Established agricultural businesses seeking larger unsecured term loans | £10,000 to £2,000,000 | interest 18% to 22% annually |
| 3 | CubeFunder | Newer or smaller farms needing accessible £20,000 agricultural funding | £5,000 to £100,000 | interest 2.5% to 4% monthly |
| 4 | Bizcap | Agricultural businesses wanting fast unsecured funding with flexible terms | £5,000 to £750,000 | factor 1.1% to 1.4% monthly |
| 5 | Capify (includes Rapital) | Growing farms seeking £20,000 with competitive factor-based pricing | £10,000 to £1,000,000 | factor 1.1% to 1.35% monthly |
| 6 | Funding Circle | Established agricultural SMEs wanting fixed-rate term funding | £10,000 to £750,000 | interest 18% to 24% annually |
| 7 | Iwoca | Startup and small farms needing flexible unsecured agricultural finance | £0 to £1,000,000 | interest 1.6% to 5.6% monthly |
| 8 | Cashera | Farms with strong turnover seeking competitive monthly-rate funding | £10,000 to £100,000 | factor 1.2% to 1.49% monthly |
| 9 | Tide Bank | Agricultural businesses comparing bank-backed unsecured loan options | £500 to £20,000,000 | interest 5% to 11.5% annually |
| 10 | Barclays | Farms seeking green agricultural investments with bank lending terms | £1,000 to £25,000,000 | interest 8.5% to 14.9% annually |
An unsecured business loan provides a lump sum of working capital without requiring land, property, or equipment as security. For agricultural businesses, this means you can fund essential farm investments while keeping your assets unencumbered. It suits seasonal spending patterns common in farming, from crop inputs to livestock purchases. A £20,000 facility can cover equipment repairs, feed stock, or small infrastructure improvements that keep daily operations productive through the growing season.
Comparing agricultural lenders goes beyond headline rates alone. Check whether a lender understands seasonal farm income and offers repayment terms aligned with harvest cycles rather than rigid monthly schedules. Look at minimum turnover and trading history requirements, as some providers are far more accessible to smaller family farms. Examine whether the rate is structured as monthly interest or an annual percentage, since this directly affects total borrowing cost. Factor-based pricing and early settlement terms also vary meaningfully between agricultural finance providers.
Important note:
Funding Agent
Published loan rangeFrom £10,000 to up to £1,000,000
Rate typeInterest from 6.8% annually
Why it is included:It is included because many business owners need to compare several finance routes before choosing where to apply.
Funding Agent can help businesses compare suitable options across a lender panel, especially when eligibility depends on turnover, sector, trading history, credit strength and available documents.
Best use case: When the borrower wants to avoid applying to one lender at a time.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Why it stands out
- Useful when a business wants to compare lender fit rather than guess which lender to apply to first.
- Can help position the application around the funding purpose, trading profile and available documents.
- Works well as a conversion route for readers who are unsure whether a direct lender will approve a larger unsecured facility.
Need to know
- Funding Agent is a broker, not a lender.
- The lender, not Funding Agent, sets the final rate, term, fees and approval decision.
- The best match may be unsecured, secured, revolving credit, invoice finance or another product depending on the case.
Expert take
Funding Agent is a useful honourable mention for business owners who want to compare lender options before submitting a full application. A larger unsecured loan is not always approved by the first lender a business finds, so understanding lender fit early can reduce wasted time and avoid unnecessary declines.
Swishfund
Published loan range£10,000 to £450,000
Rate typeinterest 1.1% to 3% monthly
Overview: Monthly interest rates from 1.1% make Swishfund one of the more affordable secured term lenders for agricultural businesses. It funds within 24 hours and can cover working capital, equipment purchases, or seasonal cash flow gaps. You will need suitable security, and a personal guarantee is likely required.
Best next step: Apply through Funding Agent for rate quotes.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Low monthly interest from 1.1%
- Funding available within 24 hours
- Secured term loans to £450,000
Need to know
- Requires suitable security assets
- Strong trading history needed
- Personal guarantee likely required
Expert take
A secured term lender that suits established farms with property or machinery to offer as collateral. Agricultural businesses with strong accounts can access competitively priced funding here.
Source:https://www.swishfund.co.uk/
WayFlyer
Published loan range£10,000 to £2,000,000
Rate typeinterest 18% to 22% annually
Overview: WayFlyer approves term loans for established businesses that can demonstrate consistent revenue and affordability. For agricultural enterprises, this means having solid trading accounts and assets to secure the borrowing. Annual interest from 18% applies, and funding lands within 24 hours once approved. The upper limit of £2 million suits farms planning significant expansion.
Best next step: Compare rates via Funding Agent today.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Loans from £10,000 to £2 million
- Fast 24-hour funding turnaround
- Annual interest, not monthly compounding
Need to know
- Minimum two years trading likely
- Security may reduce your rate
- 18% to 22% annual interest
Expert take
A lender built for revenue-stable SMEs that need larger facilities. Agricultural businesses with consistent turnover and assets can tap into annual-rate funding with headroom for future growth.
Source:https://www.wayflyer.com/
CubeFunder
Published loan range£5,000 to £100,000
Rate typeinterest 2.5% to 4% monthly
Overview: CubeFunder turns agricultural loan applications around within 24 hours, making it a practical choice when farm equipment needs replacing urgently or seasonal inputs cannot wait. Monthly rates from 2.5% apply across its £5,000 to £100,000 range. Security is typically required, which helps keep costs manageable for established farming businesses.
Best next step: Get a quote through Funding Agent.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Quick 24-hour funding decision
- Loans from £5,000 to £100,000
- Suitable for established businesses
Need to know
- Security typically required
- Monthly interest from 2.5%
- Personal guarantee may apply
Expert take
A compact secured lender that moves quickly for smaller to mid-range facilities. Farmers needing swift access to working capital or equipment finance can find a straightforward route here.
Source:https://www.cubefunder.com/
Bizcap
Published loan range£5,000 to £750,000
Rate typefactor 1.1% to 1.4% monthly
Overview: Bizcap structures agricultural finance as revolving credit, letting farmers draw, repay and reuse funds as seasonal cash flow demands shift. This flexibility suits arable and livestock businesses where income arrives in cycles. Monthly rates start at factor 1.1% on facilities from £5,000 to £750,000. Funding can land in as little as three hours.
Best next step: Explore revolving credit via Funding Agent.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Revolving credit, draw as needed
- Funding in as little as 3 hours
- Facilities from £5,000 to £750,000
Need to know
- Limits can be reviewed or withdrawn
- Costs may increase with usage
- Personal guarantee may apply
Expert take
A flexible revolving-credit specialist that mirrors farming's irregular income patterns. Agricultural businesses that need to smooth cash flow across seasons will find the draw-and-repay structure particularly useful.
Source:https://www.bizcap.co.uk/
Capify (includes Rapital)
Published loan range£10,000 to £1,000,000
Rate typefactor 1.1% to 1.35% monthly
Overview: Capify lends from £10,000 to £1 million, and agricultural businesses can scale borrowing as expansion plans demand. Monthly factor rates from 1.1% apply to secured term loans, with funding typically completing within 24 hours. Established farms with assets to secure the borrowing will find the scale and speed align well.
Best next step: Apply through Funding Agent for terms.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Loans from £10,000 to £1 million
- Factor rates from 1.1% monthly
- Funding within 24 hours
Need to know
- Security required for larger loans
- Strong trading history expected
- Personal guarantee likely needed
Expert take
A scale-ready secured lender that can grow with ambitious farming operations. Agricultural businesses planning phased investment will find the upper limit accommodates future borrowing needs.
Source:https://capify.co.uk/
Funding Circle
Published loan range£10,000 to £750,000
Rate typeinterest 18% to 24% annually
Overview: Funding Circle has lent to a broad range of UK small businesses and understands the seasonal rhythms of agricultural trading. Its revolving credit facilities let farming enterprises draw funds when input costs spike and repay after harvest. Annual interest from 18% applies across its £10,000 to £750,000 range, with funding completing within 48 hours.
Best next step: Compare options via Funding Agent.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Revolving credit for seasonal use
- Established peer-to-peer lender
- Loans from £10,000 to £750,000
Need to know
- Annual interest from 18%
- 48-hour funding turnaround
- Personal guarantee may apply
Expert take
A peer-to-peer lending platform suited to agricultural businesses comfortable with annual-rate pricing. The revolving credit structure aligns with farming's seasonal working capital needs across the growing year.
Iwoca
Published loan range£0 to £1,000,000
Rate typeinterest 1.6% to 5.6% monthly
Overview: Iwoca covers the full spectrum from micro-loans to £1 million facilities, funded within 24 hours. For agricultural businesses, this means a lender accustomed to both small and large rural enterprises. Monthly interest from 1.6% applies to its secured term loans. Established farms with strong accounts will find the process streamlined and quick.
Best next step: Get a rate quote via Funding Agent.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Loans from £1,000 to £1 million
- Funding within 24 hours
- Monthly interest from 1.6%
Need to know
- Security required for most loans
- Strong trading history expected
- Personal guarantee may apply
Expert take
A broad-range secured lender comfortable with facilities of every size. Agricultural businesses benefit from a streamlined process that funds quickly once accounts are reviewed.
Source:https://www.iwoca.co.uk/
Cashera
Published loan range£10,000 to £100,000
Rate typefactor 1.2% to 1.49% monthly
Overview: Cashera keeps its lending range focused between £10,000 and £100,000, concentrating underwriting on the mid-size facilities most farms and rural businesses actually need. Monthly factor rates from 1.2% apply to its term loans, and funding typically completes within 24 hours. The product fit is straightforward for general agricultural working capital.
Best next step: Enquire through Funding Agent today.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Factor rates from 1.2% monthly
- Loans from £10,000 to £100,000
- Straightforward term loan structure
Need to know
- Strong trading history expected
- Personal guarantee may apply
- Product fit to be confirmed
Expert take
A mid-range term lender that keeps things simple. Agricultural businesses wanting a no-fuss facility for equipment or working capital will find the focused lending range well matched to typical farm requirements.
Source:https://cashera.co.uk/
Tide Bank
Published loan range£500 to £20,000,000
Rate typeinterest 5% to 11.5% annually
Overview: Tide Bank brings mainstream banking credibility to agricultural lending, with annual interest rates from 5% and facilities spanning £500 to £20 million. Its limited company loans suit incorporated farming businesses that want bank-grade terms. Funding within 24 hours is competitive for a high-street lender, though underwriting standards are stricter than alternative finance providers.
Best next step: Apply through Funding Agent for bank rates.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from as low as 5%
- Loans up to £20 million
- Mainstream bank credibility
Need to know
- Stricter bank underwriting applies
- Limited company structure needed
- Personal guarantee may apply
Expert take
A digital-first bank that brings competitive annual rates to incorporated farm businesses. Agricultural limited companies with clean accounts can access some of the lowest-cost funding on this list.
Barclays
Published loan range£1,000 to £25,000,000
Rate typeinterest 8.5% to 14.9% annually
Overview: Barclays' green lending proposition aligns naturally with agricultural investments in sustainability, energy efficiency, or environmental improvements. Annual interest from 8.5% applies across its £1,000 to £25 million range, and funding can complete within 24 hours. The high-street name brings trust, though bank underwriting standards mean a thorough affordability assessment is standard.
Best next step: Enquire through Funding Agent for terms.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Green-focused business lending
- Annual rates from 8.5%
- High-street bank reliability
Need to know
- Thorough affordability assessment needed
- Bank underwriting can be slower
- Personal guarantee may apply
Expert take
A high-street bank with a green lending angle that suits farms investing in sustainability. Agricultural businesses undertaking environmental improvements can access long-established banking infrastructure and competitive annual rates.
Unsecured Business Loan Calculator
How agricultural businesses can invest a £20,000 unsecured loan in farm equipment and infrastructure
A £20,000 unsecured agricultural loan gives farmers and growers the flexibility to invest without offering land or property as security. Many agricultural businesses use this level of funding to replace ageing machinery, upgrade irrigation systems, or put up new polytunnels and livestock handling equipment.
Unsecured term loans from lenders such as CubeFunder and Swishfund start at £5,000 and £10,000 respectively, making £20,000 a realistic mid-range amount for most applicants. CubeFunder publishes rates from 2.5% to 4% per month, while Swishfund sits between 1.1% and 3% per month.
Small infrastructure improvements such as grain storage, cold storage for produce, or yard resurfacing can all fall within a £20,000 budget. Because these loans do not require asset security, farmers can move quickly when a timely purchase opportunity arises, whether at auction or through a seasonal supplier discount.
Using £20,000 agricultural finance for livestock, feed and crop inputs
For livestock farmers, a £20,000 unsecured loan can fund the purchase of breeding stock, store cattle, or a small flock of ewes ahead of lambing season. The same amount can cover several months of feed concentrate, which is often a large upfront cost before income arrives from sales.
Arable and horticultural businesses can use £20,000 agricultural finance to buy seed, fertiliser, and crop protection products in bulk at the start of the growing season. Buying inputs early often secures better pricing and ensures supplies are available when needed.
Lenders such as Capify and Funding Circle offer unsecured facilities from £10,000 upwards, with Capify publishing factor rates from 1.1% to 1.35% per month. Funding Circle operates on annual interest rates, typically from 18% to 24% per year. Livestock and crop input purchases are time-sensitive, so funding speed matters. Several lenders on this panel can make decisions within days, helping farmers act when market conditions are right rather than waiting until cash reserves build up.
Seasonal cash flow and rate structures for farmers comparing £20,000 agricultural loans
Agricultural income is rarely steady month to month. Arable farms may receive one or two large payments per year after harvest, while livestock farms peak around spring and autumn sales. A £20,000 unsecured loan can bridge the gap between input costs and sales income through quieter months.
When comparing agricultural finance, farmers should understand how interest is quoted. Some lenders use monthly rates, others annual. The table below shows the spread across four providers.
| Lender | Rate Type | Typical Rate Range |
|---|---|---|
| Swishfund | Monthly interest | 1.1% to 3% per month |
| Bizcap | Monthly factor | 1.1% to 1.4% per month |
| Funding Circle | Annual interest | 18% to 24% per year |
| Tide Bank | Annual interest | 5% to 11.5% per year |
What matters is total cost over the full term. A lower monthly rate over a longer term can cost more overall. Iwoca offers terms up to five years, while Bizcap caps at 12 months. Farmers with seasonal income should discuss repayment flexibility with their broker before committing.
Eligibility and personal guarantees for £20,000 unsecured agricultural business loans
Most unsecured agricultural lenders on this panel do not require property security, but nearly all ask for a personal guarantee from directors. This means you are personally liable if the business cannot repay. It is a standard requirement across lenders including Iwoca, Funding Circle, Swishfund, and Capify.
Minimum trading history varies widely. Iwoca accepts businesses with just one month of trading, while WayFlyer requires two years. CubeFunder and Bizcap sit in the middle at three and four months respectively. This spread means both established farms and newer agricultural enterprises can find options.
Turnover thresholds also differ. CubeFunder and Iwoca set low bars at £4,000 and £5,000 respectively, making them accessible to smallholdings and part-time farmers. Cashera requires £180,000, which suits larger commercial operations. Funding Circle asks for £30,000, sitting between the two extremes. Among lenders with confirmed criteria, none require you to be a homeowner, which matters for tenant farmers and those on agricultural tenancies.
