Top Agriculture Finance Providers in the UK 2026 | Farming & Agricultural Business Loans
.png)
Top 10 Agriculture Finance Providers Compared
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Liberty Leasing | Mid-sized farms funding tractors, harvesters, and agricultural plant | £10,000 to £2,000,000 | interest 11% to 16% annually |
| 2 | Lombard | Large arable and livestock farms needing high-value equipment finance | Up to £5,000,000 | interest 4% to 11.5% monthly |
| 3 | Reward Funding | Established agribusinesses seeking six-figure equipment funding from £100k | £100,000 to £5,000,000 | interest 0.99% to 3% monthly |
| 4 | Time Finance | Farming businesses wanting flexible asset finance up to £5 million | Up to £5,000,000 | interest 5.5% to 13.5% annually |
| 5 | Admiral leasing | Smallholders and market gardeners needing smaller equipment leases from £1k | From £1,000 | interest 5.5% to 13.5% annually |
| 6 | Lloyds Bank | Small to mid-sized farms wanting bank-backed agricultural asset finance | £1,000 to £50,000 | interest 10.65% to 11.2% annually |
| 7 | Barclays | Agricultural businesses preferring a high-street bank with broad reach | £1,000 to £25,000,000 | interest 8.5% to 14.9% annually |
| 8 | Propel Finance | Small farms and agricultural contractors funding kit from £500 | From £500 | interest 5% to 20% annually |
| 9 | Aldermore Asset finance | Diversified farming operations needing flexible asset finance up to £10m | £1,000 to £10,000,000 | interest 5% to 15% annually |
| 10 | Close Brothers | Large, established farming enterprises with turnover above £500,000 | £25,000 to £100,000,000 | bespoke 3.5% to 10% monthly |
Asset finance lets farming businesses spread the cost of equipment, machinery, and vehicles over time instead of paying the full amount upfront. This suits agricultural businesses particularly well because farm income is seasonal and working capital is often tied up in land, livestock, or growing crops. It gives farmers a practical way to fund tractors, combines, irrigation kit, and specialist vehicles without draining cash reserves needed for day-to-day operations.
Choosing the right agriculture finance provider means looking beyond the headline rate. Farm businesses should compare each lender's experience with agricultural assets, their flexibility on seasonal repayment structures, and the types of equipment they will fund. Some providers focus on heavy machinery like combines and sprayers, while others cover vehicles and technology. A lender that understands farming asset lifecycles and matches terms to your operational rhythm can reduce long-term borrowing costs significantly.
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.
Liberty Leasing
Published loan range£10,000 to £2,000,000
Rate typeinterest 11% to 16% annually
Overview: Liberty Leasing funds agricultural asset purchases from £10,000 up to £2,000,000, covering everything from a single tractor to a full machinery fleet. Decisions come within 24 hours and annual interest sits between 11% and 16%. Terms are structured around the asset's working life, helping farms match repayments to seasonal cash flow. Suitability depends on asset type and valuation, so specialist equipment may need extra underwriting.
Best next step: Check agricultural asset finance rates
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding from £10,000 to £2,000,000
- Same-day decisions in 24 hours
- Repayments follow asset working life
Need to know
- Annual interest between 11% and 16%
- Asset valuation required before approval
- Specialist equipment may need extra checks
Expert take
A mid-market asset funder that handles standard farm equipment well. Its ceiling reaches £2,000,000, which covers most fleet renewals for arable and livestock operations, and the 24-hour decision speed keeps seasonal purchasing timelines on track.
Lombard
Published loan rangeUp to £5,000,000
Rate typeinterest 4% to 11.5% monthly
Overview: Lombard's agricultural asset finance starts from 4% monthly interest, making it one of the sharper-priced options for farm machinery and equipment funding. Facilities reach up to £5,000,000 with a 24-hour decision turnaround. The lender is part of NatWest Group and has deep experience structuring deals around agricultural assets. Rates rise with perceived risk, so a strong trading history helps secure the lowest pricing.
Best next step: See Lombard agriculture finance options
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Monthly rates from 4%
- Up to £5,000,000 facility size
- Backed by NatWest Group expertise
Need to know
- Rates vary with credit profile
- Asset type affects final pricing
- Strong trading history helps
Expert take
A bank-backed asset funder with genuine agricultural sector depth. The rate floor is notably competitive for well-established farms, and the £5m ceiling accommodates even large-scale machinery replacements across multiple holdings.
Source:https://www.lombard.co.uk/
Reward Funding
Published loan range£100,000 to £5,000,000
Rate typeinterest 0.99% to 3% monthly
Overview: Reward Funding structures agricultural facilities from £100,000 with a revolving credit model that lets farms draw and repay as seasonal income fluctuates. Monthly interest runs from 0.99% to 3% on facilities up to £5,000,000, and decisions arrive within 24 hours. The flexible drawdown suits arable farms with harvest-linked cash flow and livestock businesses managing irregular payment cycles. Security is required, and legal or valuation costs may apply.
Best next step: Explore Reward Funding for farm finance
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Revolving credit for seasonal cash flow
- Facilities from £100,000 to £5m
- Monthly rates from 0.99%
Need to know
- Security required for all facilities
- Legal and valuation costs may apply
- Limits can be reviewed or adjusted
Expert take
A secured revolving-credit specialist whose drawdown structure mirrors agricultural income patterns unusually well. Arable and mixed farms with pronounced seasonal swings get more utility here than from a fixed term loan.
Source:https://rewardfunding.co.uk/
Time Finance
Published loan rangeUp to £5,000,000
Rate typeinterest 5.5% to 13.5% annually
Overview: For farms and agricultural contractors selling to supermarkets, processors or wholesalers on credit terms, Time Finance turns unpaid B2B invoices into working capital. Facilities reach £5,000,000 with annual interest from 5.5% to 13.5% and decisions within 24 hours. The invoice finance model suits agricultural businesses that wait 30 to 90 days for customer payments but need cash sooner for wages, inputs or running costs. Suitability depends on invoice quality and debtor concentration.
Best next step: Check invoice finance for agricultural businesses
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Unlocks cash from unpaid invoices
- Up to £5,000,000 facility available
- 24-hour decision turnaround
Need to know
- Invoice quality affects eligibility
- Debtor concentration is assessed
- Costs may rise with frequent usage
Expert take
An invoice finance provider that fits agricultural supply chains where payment terms are long. Farms and contractors selling to major retailers or processors can bridge the gap between delivery and settlement without waiting for a harvest.
Source:https://www.timefinance.com/
Admiral leasing
Published loan rangeFrom £1,000
Rate typeinterest 5.5% to 13.5% annually
Overview: Admiral Leasing turns equipment finance applications around in as little as four hours, which matters when a critical piece of farm machinery breaks and a replacement cannot wait. Facilities start from £1,000 with annual interest from 5.5% to 13.5%. The lender covers asset finance, secured term loans and property-backed funding, giving agricultural businesses several routes to raise capital. A personal guarantee or strong trading history is likely needed for larger amounts.
Best next step: Get rapid equipment finance through Admiral
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Decisions in as little as 4 hours
- Funding starts from £1,000
- Multiple finance routes available
Need to know
- Personal guarantee may be required
- Strong trading history expected
- Larger deals need affordability checks
Expert take
A speed-focused funder that suits agricultural emergencies where downtime costs money. The four-hour turnaround and low entry point make it practical for smaller kit replacements, and the multi-product range gives farms alternative routes to capital.
Lloyds Bank
Published loan range£1,000 to £50,000
Rate typeinterest 10.65% to 11.2% annually
Overview: Lloyds Bank accepts start-up agricultural businesses and those backed by the government's start-up loan scheme, opening asset finance to new entrants in farming. The published range runs from £1,000 to £50,000 with annual interest at 10.65% to 11.2%, making it suited to smaller equipment purchases and first-time buyers. Underwriting follows bank processes, so expect a more thorough review and roughly 48-hour turnaround. Revolving credit and asset-based lending options add flexibility.
Best next step: See Lloyds agricultural finance options
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Open to start-up farming businesses
- Government-backed scheme access
- Revolving credit option available
Need to know
- Bank underwriting takes longer
- Published range caps at £50,000
- Strong affordability checks apply
Expert take
A high-street bank that extends asset finance to new farming entrants, which is rare among mainstream lenders. Smaller holdings and first-time buyers find the start-up friendly policy and government scheme alignment more accessible than most competitors.
Barclays
Published loan range£1,000 to £25,000,000
Rate typeinterest 8.5% to 14.9% annually
Overview: Barclays agricultural asset finance stretches from £1,000 for a small implement to £25,000,000 for major farm infrastructure, making it a lender that can scale with a growing agricultural business. Annual interest ranges from 8.5% to 14.9% with decisions typically within 24 hours. The bank offers asset finance alongside revolving credit, secured term loans and specialist agricultural property funding. Security is required for larger facilities and may involve legal or valuation costs.
Best next step: Explore Barclays farm finance solutions
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Facilities from £1,000 to £25m
- 24-hour decision turnaround
- Specialist agricultural property funding
Need to know
- Security required for larger loans
- Legal and valuation costs apply
- Annual rates from 8.5% to 14.9%
Expert take
A full-scale bank with an agricultural lending appetite that matches the sector's capital intensity. Estates, large arable operations and diversified farm businesses can consolidate equipment and property funding under one roof here.
Propel Finance
Published loan rangeFrom £500
Rate typeinterest 5% to 20% annually
Overview: Propel Finance funds agricultural assets from just £500, opening asset finance to smallholders, market gardeners and part-time farmers who need modest equipment. Annual interest starts at 5% and runs to 20%, with funding typically arranged in two to five days. The low entry threshold suits seasonal purchases like polytunnels, small trailers or handheld machinery. Rates climb for higher-risk borrowers, so stronger credit profiles secure the best pricing.
Best next step: See Propel Finance agricultural rates
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Funding from as little as £500
- Annual rates start from 5%
- Small-scale farm equipment covered
Need to know
- Rates reach 20% for riskier deals
- Funding takes two to five days
- Asset eligibility checks apply
Expert take
A volume asset funder whose £500 floor opens the door to small-scale and part-time agricultural borrowers that larger lenders overlook. Market gardeners and smallholders find the entry point practical, while the rate spread rewards strong applications.
Aldermore Asset finance
Published loan range£1,000 to £10,000,000
Rate typeinterest 5% to 15% annually
Overview: Aldermore's asset finance covers agricultural equipment from £1,000 to £10,000,000 with annual interest between 5% and 15%. The 48-hour decision window allows for considered underwriting that can accommodate more complex farm structures and mixed-use assets. The lender's broad appetite spans standard agricultural machinery as well as more specialised kit. Expect a thorough credit assessment, particularly for facilities at the upper end of the range.
Best next step: Check Aldermore asset finance for farms
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Broad agricultural asset coverage
- Funding from £1,000 to £10m
- Annual rates from 5%
Need to know
- 48-hour decision turnaround
- Thorough credit assessment required
- Complex structures need more review
Expert take
A flexible asset funder with a wide band that suits mid-sized farms and contractors. The considered underwriting approach can work for diversified agricultural businesses where asset use spans multiple activities.
Source:https://www.aldermore.co.uk/business/business-finance/asset-finance/
Close Brothers
Published loan range£25,000 to £100,000,000
Rate typebespoke 3.5% to 10% monthly
Overview: Close Brothers lends to established agricultural and agri-contracting businesses turning over £500,000 or more, with facilities from £25,000 to £100,000,000. Bespoke monthly rates start around 3.5% and decisions typically arrive within 24 hours. The lender has deep experience in transport, manufacturing and construction, sectors that overlap heavily with large-scale arable and contracting operations. Its mid-market focus means smaller farms may find the turnover threshold difficult to meet.
Best next step: See Close Brothers agriculture lending
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Facilities up to £100m available
- Deep sector-adjacent experience
- Bespoke pricing for each deal
Need to know
- £500k minimum turnover required
- Not suited to smaller farms
- Monthly rates from 3.5% bespoke
Expert take
A mid-market lender whose transport and construction expertise transfers naturally to agricultural contracting. Large arable operations and agri-contractors with substantial turnover find the facility ceiling and sector-aware underwriting a strong match.
Asset Finance Calculator
What farm equipment and assets can you finance in UK agriculture?
Agricultural asset finance covers a wide range of farm equipment. Most lenders on this list support financing for tractors, combine harvesters, balers, sprayers, and cultivation machinery. Livestock farmers can also fund milking parlours, feeding systems, and housing equipment. Horticulture businesses often finance polytunnels, irrigation systems, and glasshouse structures.
Beyond machinery, some providers will finance farm vehicles, grain storage, and renewable energy installations such as solar arrays or biomass boilers. The key distinction is between hire purchase, where you own the asset at the end of the term, and leasing, where you return or upgrade it. Loan sizes vary considerably. Admiral leasing starts facilities from £1,000, suiting smaller tools or attachments. At the upper end, Barclays and Close Brothers offer facilities into the millions for major capital purchases. Always check whether the lender has experience with the specific asset type your farm needs.
Eligibility requirements for agricultural asset finance
Lenders assess agricultural businesses differently from mainstream commercial borrowers. Most will want to see at least one year of trading history. Aldermore Asset Finance stands out by accepting applications from farms with only six months of trading, and with no minimum turnover requirement, making it one of the more accessible options for newer agricultural ventures.
Several providers require a personal guarantee from directors or partners. Liberty Leasing, Reward Funding, Time Finance, Aldermore, and Close Brothers all ask for personal guarantees on their asset finance facilities. This is standard practice in agricultural lending, where asset values can fluctuate seasonally. Turnover expectations vary. Close Brothers requires a minimum turnover of £500,000, positioning it toward established farming operations. Lombard sets its threshold at £25,000, which accommodates smaller family farms and part-time agricultural businesses. No lender on this list requires you to be a homeowner, so property security is not a barrier to agricultural asset finance.
Comparing rates and costs across agriculture finance providers
Interest rates for agricultural asset finance vary significantly by lender and credit profile. Some lenders quote monthly rates, while others use annual figures. Reward Funding publishes monthly rates from 0.99% to 3%. Lombard quotes monthly rates from 4% to 11.5%, and Close Brothers from 3.5% to 10% monthly, reflecting bespoke pricing for larger agricultural facilities.
On an annual basis, Liberty Leasing ranges from 11% to 16%, while Time Finance and Admiral leasing both publish annual rates from 5.5% to 13.5%. Aldermore sits at 5% to 15% annually, and Propel Finance from 5% to 20%. Barclays quotes 8.5% to 14.9% annually, and Lloyds Bank offers a tighter band of 10.65% to 11.2%. Fixed-rate agreements give certainty for budgeting, which suits arable farms with predictable seasonal income. Variable or bespoke rates may offer lower starting costs but carry more risk. Always confirm whether the quoted rate includes arrangement fees, which can add materially to the total cost.
How to choose the best agriculture finance for your farm
Selecting the right agricultural finance provider means matching your farm's profile to what each lender offers. Start with the facility size you need. For smaller purchases under £10,000, Lloyds Bank, Barclays, Aldermore, and Admiral leasing all start from £1,000. Propel Finance goes even lower, from £500. For large-scale investment, Barclays offers up to £25,000,000 and Close Brothers up to £100,000,000.
Term length matters too. Livestock farms may prefer shorter terms of one to three years. Arable operations investing in harvesters or tractors often need three to seven years. Lloyds Bank offers terms up to 10 years, and Barclays extends to 25 years for certain agricultural assets. Match your trading history and turnover to lender minimums. Newer farms and smallholdings should consider Aldermore or Lombard, which have more accessible entry criteria. Established agricultural businesses can access bespoke pricing from Close Brothers and Lombard. Most agricultural asset finance requires a personal guarantee, so factor that into your decision.
