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Top 10 Lenders for £900,000 Agricultural Finance in 2026
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Top 10 Lenders for £900,000 Agricultural Finance
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | One Stop Business Finance | Farms and agricultural enterprises seeking secured funding up to £3 million | £100,000 to £3,000,000 | interest 1.6% to 3% monthly |
| 2 | Fleximize | Smaller farm finance needs; maximum loan of £500,000 | £10,000 to £500,000 | interest 0.9% to 3.6% monthly |
| 3 | Accredo | Agricultural borrowers accepting higher annual rates for flexible terms | £25,000 to £1,500,000 | interest 12.9% to 18.5% annually |
| 4 | 4syte | Larger farming operations requiring secured finance up to £3 million | £26,000 to £3,000,000 | interest 3% to 9.5% monthly |
| 5 | NatWest Bank | Established farms seeking bank-backed agricultural lending at annual rates | £500 to £10,000,000 | interest 4.5% to 10.5% annually |
| 6 | Virgin Money | Agricultural businesses with twelve months trading seeking bank finance | £30,000 to £10,000,000 | interest 4.5% to 10.5% annually |
| 7 | Barclays | Large-scale farm borrowing through mainstream high-street bank lending | £1,000 to £25,000,000 | interest 8.5% to 14.9% annually |
| 8 | United Trust Bank | Farm property acquisitions and agricultural development projects | £100,000 to £35,000,000 | interest 5% to 12.5% annually |
| 9 | Novuna | Agricultural asset-backed funding for equipment and working capital | £10,000 to £5,000,000 | interest 4.5% to 12.5% monthly |
| 10 | OakNorth | Agricultural projects above £1 million; included for broader comparison | From £1,000,000 | interest 5.5% to 12.5% annually |
A secured business loan is borrowing backed by business assets, typically property or land, giving lenders the confidence to offer larger sums at more favourable rates. For UK farms and agricultural enterprises, this structure is a natural fit: farmland, buildings, and machinery provide substantial collateral, making it possible to raise meaningful capital without selling core assets. At £900,000, this type of funding can support land acquisition, infrastructure upgrades, or working capital across the farming cycle.
Comparing agricultural lenders at this level goes beyond the headline rate. How a lender values farmland as security can vary significantly; some take a conservative line while others specialise in farm assets and lend against full market worth. Repayment flexibility matters for seasonal businesses, as farming income rarely spreads evenly across the year. A lender's direct experience with agricultural enterprises can also shape how smoothly an application moves from valuation to completion.
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: Revolving credit suits seasonal farming cash flow — draw funds when you need them, repay after harvest, and reuse the facility without reapplying. Term loans secured against agricultural land or property are also available. Underwriting reviews farm accounts and land valuations in detail. Expect to provide a personal guarantee and cover legal and valuation costs.
Best next step: Explore revolving credit for seasonal farm cash flow.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Revolving facility suits seasonal income cycles
- Secured terms available for land purchase
- Flexible drawdown and repayment structure
Need to know
- Personal guarantee usually required
- Legal and valuation costs apply
- Strong farm accounts expected
Expert take
A flexible lender that structures facilities around seasonal business cycles rather than fixed monthly repayments. For a £900,000 agricultural facility, a blend of revolving credit and term debt can match both working-capital peaks and long-term land investment needs.
Source:https://www.osbf.co.uk/
Fleximize
Published loan range£10,000 to £500,000
Rate typeinterest 0.9% to 3.6% monthly
Overview: Funding lands within 24 hours, useful when a time-sensitive farm purchase or machinery deal cannot wait. Secured loans require agricultural property or land as collateral. Underwriting favours established farming businesses with consistent accounts. Rates start from 0.9% monthly, though larger facilities attract closer scrutiny. A personal guarantee is typically required.
Best next step: Fast funding for urgent farm purchases or machinery deals.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Same-day funding possible for urgent needs
- Competitive starting rates from 0.9% monthly
- Straightforward secured loan structure
Need to know
- Agricultural property security required
- Personal guarantee typically needed
- Best suited to established farms
Expert take
A speed-focused lender built for businesses that need certainty and quick turnaround. For agricultural borrowers, the rapid funding timeline suits auction purchases or time-sensitive equipment deals where traditional bank timelines would risk losing the opportunity.
Source:https://fleximize.com/
Accredo
Published loan range£25,000 to £1,500,000
Rate typeinterest 12.9% to 18.5% annually
Overview: Equipment finance suits farms investing in tractors, combines, irrigation systems or processing machinery without tying up working capital. Accredo lends from £25,000 to £1.5m against productive assets, with annual rates between 12.9% and 18.5%. Funding typically completes within five days. Asset eligibility checks and a deposit may apply.
Best next step: Finance farm machinery and equipment from £25,000.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Specialist asset finance for farm equipment
- Funding completes within five days
- Loans available up to £1.5m
Need to know
- Annual rates from 12.9% to 18.5%
- Asset eligibility checks required
- Deposit may be needed
Expert take
An asset finance specialist that funds productive equipment rather than trading history alone. For a £900,000 agricultural investment, machinery-backed lending can preserve working capital while spreading the cost of tractors, harvesters or processing kit across the asset's useful life.
Source:https://www.accredo.co.uk/
4syte
Published loan range£26,000 to £3,000,000
Rate typeinterest 3% to 9.5% monthly
Overview: Lending from £26,000 to £3m, with secured finance structured against farm assets, unpaid invoices or stock. Agricultural businesses supplying supermarkets or wholesalers on credit terms can use invoice finance to bridge payment gaps. Monthly rates range from 3% to 9.5%. Funding can arrive within 24 hours. Invoice quality and debtor concentration affect terms.
Best next step: Bridge supermarket payment gaps with invoice finance.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding from £26,000 to £3m
- Same-day decision and funding available
- Multiple security types accepted
Need to know
- Monthly rates from 3% to 9.5%
- Invoice quality affects pricing
- Debtor concentration limits apply
Expert take
A secured lender that works across invoice finance, asset-based lending and stock funding. Agricultural businesses with strong receivables from major retailers can unlock working capital without selling land, with pricing tied to the debtor book's risk profile.
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: Annual interest rates from 4.5% make NatWest one of the more cost-effective routes for agricultural borrowing at scale. The bank lends from £500 to £10m and maintains dedicated agricultural relationship managers who understand farming cycles. Underwriting is thorough and timelines can stretch. Strong farm accounts and a clear business plan are essential.
Best next step: Access bank-rate agricultural finance with dedicated farm managers.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from as low as 4.5%
- Dedicated agricultural banking team
- Loans available up to £10m
Need to know
- Thorough underwriting takes time
- Strong accounts and plans required
- Bank criteria stricter than alternatives
Expert take
A high-street bank with genuine agricultural sector expertise and dedicated farming relationship managers. For a £900,000 facility, the low annual rates and understanding of seasonal farm cash flow make this a natural first port of call for established agricultural businesses with clean accounts.
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 retains significant agricultural lending experience through its legacy Clydesdale and Yorkshire Bank books. The bank lends from £30,000 to £10m with annual rates between 4.5% and 10.5%. Invoice finance, asset finance and term loans are all available. Underwriting is thorough and bank timelines can stretch, particularly for secured agricultural facilities.
Best next step: Agricultural lending with rural-experienced relationship managers.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 4.5% to 10.5%
- Multiple finance types under one roof
- Rural and farming sector expertise
Need to know
- Bank underwriting can be lengthy
- Strong trading history expected
- Security against farm assets typical
Expert take
A mainstream bank whose agricultural heritage means underwriters grasp the difference between a poor season and a failing business. For a £900,000 farm investment, the combination of competitive rates and sector-aware credit assessment makes the application process more relevant than with a generalist lender.
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: With a lending appetite stretching to £25m, Barclays comfortably handles larger agricultural propositions including whole-farm purchases, diversification projects and renewable energy installations. Asset finance, revolving credit and secured term loans are all available. Annual rates range from 8.5% to 14.9%. Expect thorough due diligence and a requirement for detailed farm business plans.
Best next step: Large-scale farm finance backed by a major clearing bank.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Lending capacity up to £25m
- Asset and term finance options
- Broad agricultural sector experience
Need to know
- Annual rates from 8.5% to 14.9%
- Detailed business plans required
- Bank due diligence takes time
Expert take
A clearing bank with the balance sheet to support substantial agricultural investments and the specialist teams to assess them properly. For a £900,000 facility, the broad product range means farm businesses can structure borrowing across term debt, asset finance and revolving credit under one relationship.
United Trust Bank
Published loan range£100,000 to £35,000,000
Rate typeinterest 5% to 12.5% annually
Overview: Structured property finance suits agricultural land acquisition, farm diversification into holiday lets, or refinancing existing rural property debt. United Trust Bank lends from £100,000 to £35m with annual rates between 5% and 12.5%. Funding can complete within 48 hours for straightforward cases. Property valuations and exit-risk assessments add to costs and timeline.
Best next step: Property-backed finance for farm land and rural diversification.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Loans from £100,000 to £35m
- Funding possible within 48 hours
- Suits land purchase and refinance
Need to know
- Property valuation costs apply
- Exit-risk assessment required
- Annual rates from 5% to 12.5%
Expert take
A specialist property lender that evaluates the asset first and the farming business second. For a £900,000 agricultural land purchase or refinance, the focus on property value and exit strategy can produce faster decisions than traditional agricultural mortgage routes.
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: Funding within 24 hours suits agricultural businesses that need to move quickly on land or equipment opportunities. Asset-based lending unlocks capital tied up in farm machinery, livestock, land or receivables without selling productive assets. Monthly rates range from 4.5% to 12.5%. Security requirements and legal costs apply.
Best next step: Unlock capital from farm assets without selling them.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Asset-based lending preserves farm ownership
- Loans from £10,000 to £5m
- Invoice and block discounting available
Need to know
- Monthly rates from 4.5% to 12.5%
- Legal and valuation costs apply
- Strong debtor book required for invoices
Expert take
An asset-based lender that structures facilities around the value already sitting on the farm balance sheet. For agricultural businesses, this approach can release significant working capital for expansion or investment while keeping land and machinery in productive use.
OakNorth
Published loan rangeFrom £1,000,000
Rate typeinterest 5.5% to 12.5% annually
Overview: Commercial mortgages from £1m upward carry annual rates between 5.5% and 12.5%, making OakNorth a viable route for farm acquisitions or agricultural property investment. The bank's underwriting is data-led and relationship-driven, with decisions typically within two weeks. A detailed business case and property valuation are required. Legal and arrangement fees apply.
Best next step: Commercial mortgages for farm acquisition from £1m.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 5.5% to 12.5%
- Data-led underwriting for faster decisions
- Two-week typical funding timeline
Need to know
- Minimum lending from £1m
- Detailed business case required
- Legal and arrangement fees apply
Expert take
A bank that combines commercial mortgage expertise with data-intensive underwriting. Agricultural businesses with strong asset backing and clear income projections benefit from commercially-minded assessments that look beyond standard credit scores.
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How secured lending works for £900,000 agricultural finance
Agricultural finance at £900,000 is typically structured as a secured business loan, with the borrowing secured against farm assets such as agricultural land, buildings, or machinery. Lenders assess the value of the security and advance a percentage known as the loan-to-value ratio (LTV).
Among the lenders on this page, maximum LTVs range from 70% to 75%. One Stop Business Finance, 4syte, United Trust Bank, and OakNorth each publish a maximum LTV of 75%, while Accredo caps lending at 70% of the security value. This means a farm with land and buildings valued at £1.2 million could typically access the full £900,000.
Most agricultural lenders also require a personal guarantee from directors or partners. One Stop Business Finance, 4syte, Accredo, NatWest, Virgin Money, and OakNorth all list personal guarantees as a condition. This means farm owners accept personal liability if the business cannot repay.
Security is valued by an independent surveyor, and lenders may apply different criteria depending on whether the asset is arable land, pasture, or a working farm with residential property.
What £900,000 in agricultural funding can finance on UK farms
A £900,000 agricultural loan supports a wide range of farming investments. Common uses include purchasing additional acreage, acquiring or upgrading farm machinery, constructing grain stores or livestock sheds, and installing renewable energy systems such as solar panels or anaerobic digesters.
Some farm businesses use this level of funding to refinance existing agricultural debt on more favourable terms, freeing up cash flow. Others apply the capital toward diversification projects, such as converting farm buildings into holiday lets or setting up farm shops.
The loan ranges published by lenders on this page comfortably accommodate £900,000. One Stop Business Finance offers facilities from £100,000 to £3 million, while United Trust Bank extends from £100,000 to £35 million. NatWest, Virgin Money, and Barclays each publish upper limits of £10 million or more, giving farm businesses room to scale.
Lenders typically want to see a clear purpose for the finance. Whether expanding a dairy herd, investing in precision farming technology, or buying neighbouring land, applicants should explain how the investment will improve farm profitability and service the debt.
Preparing farm accounts and documentation for agricultural lenders
Agricultural lenders expect thorough financial documentation when assessing a £900,000 application. Farm businesses should prepare at least two to three years of full farm accounts, including profit and loss statements, balance sheets, and cash flow forecasts. Sole traders and partnerships may also need to provide SA302 tax forms.
Turnover requirements vary across lenders. Fleximize asks for a minimum of £150,000 in annual turnover, while 4syte and NatWest each require at least £300,000. Novuna sets a lower threshold at £50,000. Farms that fall below these figures may need to explore alternative lenders or offer stronger security.
A well-structured business plan is essential. Lenders want to see projected income, a breakdown of how the £900,000 will be spent, and evidence that the farm can comfortably meet repayments. For land purchases, include independent valuations and soil surveys. For equipment finance, provide supplier quotes.
Trading history also matters. Virgin Money and Novuna both require a minimum of one year's trading, while One Stop Business Finance and 4syte consider start-up farms. Newer enterprises should focus on demonstrating sector experience and realistic projections.
Comparing agricultural finance rates and terms at £900,000
Agricultural lenders structure rates differently, so it is important to compare on a like-for-like basis. Some quote monthly rates, while others use annual percentages. The table below shows how rate ranges and LTV caps compare across four lenders that can fund £900,000.
| Lender | Rate range | Max LTV |
|---|---|---|
| One Stop Business Finance | 1.6% to 3% monthly | 75% |
| 4syte | 3% to 9.5% monthly | 75% |
| United Trust Bank | 5% to 12.5% annually | 75% |
| Accredo | 12.9% to 18.5% annually | 70% |
One Stop Business Finance and 4syte both quote monthly rates, so farm businesses should annualise these for accurate comparison. United Trust Bank and Accredo publish annual rates starting at 5% and 12.9% respectively, making their costs easier to benchmark against high-street banks.
Loan terms also vary considerably. United Trust Bank lends up to 5 years, while NatWest and Barclays offer terms of up to 25 years, which can significantly reduce monthly repayments on a £900,000 facility. Farm businesses with seasonal income should look for lenders that offer flexible repayment structures aligned to harvest cycles or subsidy payment schedules.
