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Top 10 Lenders for £850,000 Agricultural Finance Secured Against Farm Land (2026)
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Top 10 Lenders for £850,000 Agricultural Finance
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | One Stop Business Finance | Established farms needing flexible secured funding up to £3 million | £100,000 to £3,000,000 | interest 1.6% to 3% monthly |
| 2 | Fleximize | Smaller farm projects under £500,000 with monthly repayment options | £10,000 to £500,000 | interest 0.9% to 3.6% monthly |
| 3 | Accredo | Farming businesses open to higher-rate secured term loans | £25,000 to £1,500,000 | interest 12.9% to 18.5% annually |
| 4 | 4syte | Agricultural operators needing rapid secured finance up to £3 million | £26,000 to £3,000,000 | interest 3% to 9.5% monthly |
| 5 | NatWest Bank | Farms wanting a high-street bank with agricultural lending specialists | £500 to £10,000,000 | interest 4.5% to 10.5% annually |
| 6 | Virgin Money | Established farming businesses seeking bank-backed agricultural mortgages | £30,000 to £10,000,000 | interest 4.5% to 10.5% annually |
| 7 | Barclays | Large-scale agricultural operations needing high-value bank lending | £1,000 to £25,000,000 | interest 8.5% to 14.9% annually |
| 8 | United Trust Bank | Farm diversification projects requiring structured property finance | £100,000 to £35,000,000 | interest 5% to 12.5% annually |
| 9 | Novuna | Farm businesses seeking asset-backed lending against equipment or stock | £10,000 to £5,000,000 | interest 4.5% to 12.5% monthly |
| 10 | OakNorth | Larger agricultural enterprises borrowing £1 million or above | From £1,000,000 | interest 5.5% to 12.5% annually |
A secured business loan allows farming businesses to borrow against land, property or other assets, unlocking capital without selling the asset. For agricultural operators, this structure is particularly effective because farms typically hold substantial equity in land and buildings that can serve as security. A facility of £850,000 can fund land acquisition, barn construction, machinery upgrades or working capital for seasonal operations.
Comparing agricultural lenders means looking beyond headline rates. Loan-to-value ratios on farmland vary significantly between lenders, and some will only lend against certain types of agricultural property. Repayment flexibility matters for seasonal farm income, and arrangement fees can differ by thousands of pounds. Also weigh whether the lender understands farming business cycles and can structure terms around harvest timelines rather than rigid monthly payments.
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.
One Stop Business Finance
Published loan range£100,000 to £3,000,000
Rate typeinterest 1.6% to 3% monthly
Overview: One Stop Business Finance lends from £100,000 to £3,000,000 against business or agricultural property. Its revolving credit facility lets farming businesses draw and repay as seasonal cash flow demands, rather than locking into a fixed term. Typical interest runs 1.6% to 3% monthly. Expect to provide strong trading history and a personal guarantee.
Best next step: See if One Stop Business Finance fits your farm
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Revolving credit suits seasonal farm income
- Lends against agricultural land and property
- Facilities available up to £3 million
Need to know
- Requires strong trading history
- Personal guarantee likely required
- Legal and valuation costs apply
Expert take
A flexible secured lender that works well for established businesses with property assets. For an £850,000 agricultural facility, the revolving structure matches the uneven cash flow patterns typical of farming operations.
Source:https://www.osbf.co.uk/
Fleximize
Published loan range£10,000 to £500,000
Rate typeinterest 0.9% to 3.6% monthly
Overview: Fleximize can fund secured business loans within 24 hours, making it useful when a land purchase or equipment deal cannot wait. It lends against property or business assets and structures repayments around trading performance. Monthly interest runs from 0.9% to 3.6%. The lender expects established trading and suitable security.
Best next step: Check Fleximize's terms for your farm
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding decision within 24 hours
- Repayments flex with business performance
- Secured against property or business assets
Need to know
- Maximum facility of £500,000
- Strong trading history expected
- Valuation and legal costs apply
Expert take
A fast-moving secured lender geared towards established SMEs. For farming businesses that need quick capital, the 24-hour funding speed and repayment flexibility suit urgent land or equipment purchases.
Source:https://fleximize.com/
Accredo
Published loan range£25,000 to £1,500,000
Rate typeinterest 12.9% to 18.5% annually
Overview: Accredo structures secured business loans around the equipment or machinery a farm intends to buy. Lending from £25,000 to £1,500,000, it treats the asset itself as core security, which can preserve working capital for other needs. Annual rates run 12.9% to 18.5%. Funding typically completes within five days.
Best next step: Explore Accredo's asset-backed farm finance
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Asset-backed lending preserves cash flow
- Covers farm machinery and equipment
- Funding available within five days
Need to know
- Annual rates from 12.9% to 18.5%
- Security tied to specific assets
- Deposits or valuations may apply
Expert take
A specialist asset finance lender that funds against equipment and machinery. For a farming business putting £850,000 into tractors, harvesters or processing kit, the asset-backed model keeps land unencumbered for other borrowing.
Source:https://www.accredo.co.uk/
4syte
Published loan range£26,000 to £3,000,000
Rate typeinterest 3% to 9.5% monthly
Overview: 4syte unlocks working capital from unpaid invoices and trade receivables, lending from £26,000 to £3,000,000. For farming businesses supplying supermarkets, processors or wholesalers on credit terms, this converts receivables into immediate cash. Monthly interest ranges from 3% to 9.5%. Funding can arrive within 24 hours.
Best next step: See if 4syte's invoice finance fits your farm
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Unlocks cash tied in unpaid invoices
- Suits farms supplying on credit terms
- Facilities available up to £3 million
Need to know
- Monthly interest from 3% to 9.5%
- Depends on invoice quality
- Debtor concentration affects terms
Expert take
An invoice finance and asset-based lender that suits B2B farming operations. If the business supplies retailers or processors on 30-to-90-day terms, converting those receivables can fund an £850,000 expansion without mortgaging land.
Source:https://www.4syte.co.uk/
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NatWest Bank
Published loan range£500 to £10,000,000
Rate typeinterest 4.5% to 10.5% annually
Overview: NatWest Bank prices agricultural lending from 4.5% to 10.5% annually, among the more competitive rates available for secured farm finance. Its term loans, revolving credit and asset finance can be combined to cover land purchase, machinery and working capital under one banking relationship. Expect fuller underwriting and longer processing than alternative lenders.
Best next step: Speak to NatWest's agricultural team
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Competitive annual rates from 4.5%
- Multiple products under one relationship
- Dedicated agricultural banking team
Need to know
- Bank underwriting can be slower
- Strong affordability evidence needed
- Personal guarantee may be required
Expert take
A high-street bank with genuine agricultural sector expertise. For an £850,000 farm loan, NatWest's blended product approach and lower annual rates suit established operations that can meet full bank underwriting standards.
Source:https://www.natwest.com/business/loans-and-finance.html
Virgin Money
Published loan range£30,000 to £10,000,000
Rate typeinterest 4.5% to 10.5% annually
Overview: Virgin Money lends to UK farming businesses through term loans and revolving facilities from £30,000 to £10,000,000. Its agricultural proposition covers land purchase, diversification projects and working capital, with annual rates between 4.5% and 10.5%. Borrowers should expect standard bank underwriting with affordability and security assessments.
Best next step: Explore Virgin Money's farm lending options
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Agricultural lending up to £10 million
- Covers diversification projects
- Annual rates from 4.5%
Need to know
- Full bank underwriting required
- Security and valuation costs apply
- May take longer than alternative lenders
Expert take
A mainstream bank that actively lends to the agricultural sector. For farms seeking £850,000 for diversification or expansion, Virgin Money's appetite for rural projects and competitive annual rates make it worth the longer application process.
Source:https://uk.virginmoney.com/business/business-borrowing/
Barclays
Published loan range£1,000 to £25,000,000
Rate typeinterest 8.5% to 14.9% annually
Overview: Barclays can lend from £1,000 to £25,000,000 through its agriculture and specialist teams, giving farming businesses headroom well beyond the immediate need. Its secured loans, asset finance and revolving credit sit alongside a dedicated agricultural relationship model. Annual rates run 8.5% to 14.9%. Expect thorough credit assessment and security requirements.
Best next step: Contact Barclays agricultural team
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Dedicated agricultural relationship managers
- Facilities available up to £25 million
- Combines term loans and asset finance
Need to know
- Annual rates from 8.5% to 14.9%
- Thorough credit assessment required
- Security and legal costs apply
Expert take
A high-street bank with a specialist agriculture division. For an £850,000 facility, Barclays brings sector-specific relationship managers and can structure a package that grows with the farm rather than needing a fresh application each time.
United Trust Bank
Published loan range£100,000 to £35,000,000
Rate typeinterest 5% to 12.5% annually
Overview: United Trust Bank provides structured property finance from £100,000 to £35,000,000, with annual rates between 5% and 12.5%. For farming businesses, this covers land acquisition, barn conversions and rural development projects. The bank assesses each deal on its own merits rather than applying rigid criteria. Funding typically completes within 48 hours.
Best next step: Check UTB's property finance for farms
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Covers land and rural development
- Deal-by-deal underwriting approach
- Funding from £100,000 to £35 million
Need to know
- Property-backed security required
- Exit strategy assessment applies
- Valuation and legal fees apply
Expert take
A specialist property lender that takes a flexible approach to underwriting. For an £850,000 agricultural land purchase or development project, UTB's willingness to assess each case individually suits farms with non-standard income profiles.
Source:https://www.utbank.co.uk/
Novuna
Published loan range£10,000 to £5,000,000
Rate typeinterest 4.5% to 12.5% monthly
Overview: Novuna blends invoice finance, asset finance and stock funding into a single facility, lending from £10,000 to £5,000,000. For diversified farming businesses with multiple revenue streams, this structure unlocks capital tied up across the whole operation. Monthly rates run 4.5% to 12.5%. Security spans receivables, equipment and stock.
Best next step: Explore Novuna's blended farm finance
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Blends invoice, asset and stock funding
- Unlocks capital across whole operation
- Facilities available up to £5 million
Need to know
- Monthly rates from 4.5% to 12.5%
- Multiple asset classes assessed
- Requires diverse revenue streams
Expert take
A versatile asset-based lender suited to diversified farms. For an £850,000 facility, Novuna's blended approach can draw security from invoices, machinery and stock, which works well for operations with farm shops, contract farming or processing arms.
OakNorth
Published loan rangeFrom £1,000,000
Rate typeinterest 5.5% to 12.5% annually
Overview: OakNorth lends against commercial and agricultural property from £1,000,000 upward, with annual rates between 5.5% and 12.5%. Its underwriting is data-led rather than tick-box, which can help farming businesses with solid accounts but unconventional income patterns. The bank's commercial mortgage and secured loan products suit land purchase and farm expansion.
Best next step: Check OakNorth's commercial mortgage terms
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Data-led underwriting not tick-box
- Annual rates from 5.5%
- Suits land purchase and expansion
Need to know
- Minimum facility of £1,000,000
- Full underwriting still required
- Security on property or land essential
Expert take
A data-driven bank that underwrites on business fundamentals rather than rigid criteria. For farms seeking £850,000 or more, OakNorth's approach favours businesses with strong accounts even if income patterns are seasonal or uneven.
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What UK lenders assess in £850,000 agricultural finance applications
Farming businesses applying for £850,000 in secured finance face specific scrutiny. Lenders evaluate turnover, trading history, the quality of agricultural land offered as security, and the purpose of the borrowing.
Turnover requirements vary. One Stop Business Finance sets no minimum turnover, while 4syte and NatWest both look for at least £300,000 in annual revenue. Novuna accepts applications from businesses turning over £50,000 or more.
Trading history is equally flexible. One Stop Business Finance and 4syte will consider newly established businesses, whereas Virgin Money and Novuna expect at least one year of trading. Most agricultural lenders value land ownership and farming track record above rigid age thresholds.
A personal guarantee is required by the majority of lenders on this list, including One Stop Business Finance, 4syte, NatWest, Virgin Money, and OakNorth. Homeowner status affects eligibility with some providers — Accredo and 4syte both require it.
Security requirements and LTV ratios for farm-secured lending at £850,000
For an £850,000 agricultural loan, the asset you pledge as security is central to the lender's decision. Most providers on this list accept agricultural land, farm buildings, and residential property as collateral.
Loan-to-value ratios are a critical constraint. One Stop Business Finance, 4syte, United Trust Bank, and OakNorth all offer up to 75% LTV on secured facilities. Accredo caps its lending at 70% LTV. At 75% LTV, you would need security valued at approximately £1.13 million or more to support an £850,000 loan.
Not all land is valued equally. Lenders assess agricultural land based on productive capacity, location, and marketability. Prime arable land typically attracts stronger valuations than marginal grazing acres or woodland. Farm buildings and grain stores can strengthen the overall security package. Specialist lenders such as United Trust Bank and One Stop Business Finance may take a more flexible view on mixed-use farm holdings, including properties with diversification potential.
Interest rates and costs for agricultural borrowing at £850,000
The cost of £850,000 agricultural finance depends on the type of lender you approach. High street banks typically quote annual interest rates, while specialist and short-term secured lenders often use monthly rates.
Among bank lenders, NatWest and Virgin Money both publish rates from 4.5% to 10.5% per year for secured business lending. Barclays sits in a slightly higher band at 8.5% to 14.9% per year. United Trust Bank offers rates from 5% to 12.5% per year for structured property finance, which can include agricultural land.
Specialist lenders operate on monthly rate models. One Stop Business Finance publishes rates from 1.6% to 3% per month, while 4syte quotes 3% to 9.5% per month. For short-term agricultural bridging, monthly rates are standard and reflect the speed and flexibility of these facilities. Longer-term agricultural mortgages through banks typically carry lower total costs than short-term bridging, so matching the facility type to your timeline is essential.
Structuring a strong farm finance proposal for £850,000 applications
Lenders want a clear case for how £850,000 will be deployed. Whether the funds are for land purchase, farm expansion, equipment acquisition, or refinancing existing debt, farm businesses should present a detailed breakdown of the intended use.
Supporting documents matter. Most agricultural lenders expect three years of farm accounts, up-to-date management figures, a statement of assets and liabilities, and a clear business plan. Where borrowing is for land acquisition, include a professional valuation and details of the land's productive capacity.
Demonstrating repayment capacity is essential. Lenders assess farm profitability, subsidy income including the Basic Payment Scheme, and any diversified revenue streams such as contracting, letting, or renewable energy income. A realistic cash flow forecast that accounts for seasonal income patterns strengthens the application considerably. Where the farm business has existing borrowing, be prepared to explain how the new £850,000 facility fits alongside current commitments. Lenders such as United Trust Bank and OakNorth specialise in refinancing complex agricultural property debt.
