Best Asset Finance Lenders for the Agriculture Industry
For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-03-13.
Funding Agent provides a platform to compare various business finance options for UK SMEs. The service is suited to SMEs seeking efficient access to financing with clear terms and a streamlined application process. It offers flexibility in loan options, generally without requiring collateral, and supports brokered access to lenders.
Loan Details
- Min Amount: £10,000
- Max Amount: £1,000,000
- Min APR: 4%
- Max APR: 20%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Unsecured business loans, MCA Loans, Working capital
- Industries: UK SME's
Pros
- fastest and easiest application process
- No collateral required
Cons
- lower track record, only trading 1 year
Peregrine Finance specialises in agricultural finance with a focus on simplicity and personal service. It is typically suitable for rural businesses seeking tailored finance solutions. The provider emphasises personal engagement and may offer flexible terms, though some detailed loan specifics remain undisclosed.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset Finance, Secured Loans, Unsecured Loans
- Industries: Agriculture
Pros
- Bespoke solutions
- Trusted in rural finance
Oxbury Bank focuses on sustainable agriculture as the UK’s first AgTech bank. It generally suits farmers and agricultural businesses looking for specialised loan products with a focus on sustainability. The bank offers varied loan durations and may have flexible repayment options tailored to agricultural needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 6-25 years ⌛
Services & Industries
- Finance Types: Farm Loans, Asset Finance
- Industries: Agriculture
Pros
- Focus on sustainability
- Specialist in agriculture
Cons
- Limited loan amount details online
Aldermore Bank offers specialised finance solutions for business owners, including those in agriculture. It is suitable for SMEs looking for sector-specific loans often secured with collateral or assets. The bank offers various finance types with consideration for diverse business needs and term flexibility.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset Finance, Term Loans, Mortgages
- Industries: Agriculture, Small Businesses
Pros
- Specialist sectors
- Strong support system
Cons
- Limited industry insights
Knight Frank Finance specialises in comprehensive agricultural finance services with a focus on rural land. It suits clients seeking brokerage and holistic advice for financing land and property assets. The provider facilitates access to specialist lenders and varied financing solutions, often associated with collateral or secured lending.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Mortgages, Asset Financing
- Industries: Agriculture, Real Estate
Pros
- Holistic financial services
- Specialist advice
Cons
- Lack of detailed loan information
HSBC UK provides a broad range of agricultural finance options including term loans and asset finance. It is suitable for businesses needing standard banking products backed by a large international bank. HSBC offers flexibility, various repayment plans, and solutions adapted to core agricultural financing needs.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 5.7%
- Max APR: 0%
- Loan Duration: Up to 96 months ⌛
Services & Industries
- Finance Types: Term Loans, Asset Finance, Overdrafts
- Industries: Agriculture, Small Businesses
Pros
- Global banking expertise
- Flexible finance solutions
Cons
- Potential high APR for some loans
Pegasus Finance specialises in asset finance and leasing for agricultural equipment. It is aimed at clients requiring rapid processing and tailored finance agreements. The provider typically suits businesses valuing quick decision-making and flexible finance structures for equipment acquisition.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 4%
- Max APR: 14.9%
- Loan Duration: Up to 48 months ⌛
Services & Industries
- Finance Types: Asset Finance, Leasing, Loans
- Industries: Agriculture, Small Businesses
Pros
- Rapid processing
- Flexible leasing options
Cons
- Higher APR on some agreements
Asset Finance Partners offers tailored finance solutions specifically for the UK's agricultural sector. It is suitable for businesses seeking asset financing and term loans with a focus on agricultural industry requirements. The provider emphasises customisable finance options and industry-specific knowledge, though some details may not be publicly disclosed.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Term Loans, Asset Finance
- Industries: Agriculture
Pros
- Tailored solutions
- Industry-specific focus
Cons
- Limited public-facing information
Millbrook Business Finance focuses on asset finance solutions designed for SMEs, including those in agriculture. It is suitable for clients looking for competitive rates and flexible commercial finance options. The provider offers services tailored to agricultural business needs, often through standard asset finance structures.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset Finance, Commercial Finance
- Industries: Agriculture, Small Businesses
Pros
- SME focus
- Competitive rates
Lombard is a major provider of asset finance primarily for agricultural equipment in the UK. It suits businesses seeking established finance solutions with a long track record and broad market experience. The provider generally offers finance tailored to investment in agricultural machinery and technology with industry knowledge.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset Finance
- Industries: Agriculture, Technology
Pros
- Largest asset finance provider in UK
- Extensive history
Cons
- Limited online loan details
How to choose
When selecting asset finance lenders for the agriculture industry, consider your business size and specific funding needs. Match loan size and APR to your budget and examine eligibility criteria closely. Speed of approval and repayment flexibility are important, especially for seasonal industries. Evaluate whether the lender requires security or collateral and check available loan duration options. Lastly, understand fees and early repayment terms to avoid unexpected costs.
Conclusion
Matching the right lender depends on your use case—banks usually offer structured loans secured by assets, brokers provide access to a range of options, and specialists focus on tailored agricultural finance. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Larger loans or specialised needs may suit banks or dedicated finance partners better. Always confirm terms and pricing directly with the lender, especially when considering loans around 1 million pounds.