March 13, 2026
Lists

Best Asset Finance Lenders for the Agriculture Industry

Discover the best asset finance lenders for the agriculture industry in the UK. Learn how to secure funding for your farm equipment and machinery with trusted lenders.
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Best Asset Finance Lenders for the Agriculture Industry
James Laden
Co-founder and CEO

8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey.

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.

1. Funding Agent

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

Sources: Funding Agent

2. Peregrine Finance

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

Cons

  • Limited APR information

Sources: Source

3. Oxbury Bank

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

Sources: Source

4. Aldermore Bank

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

Sources: Source

5. Knight Frank Finance

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

Sources: Source

6. HSBC UK

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

Sources: Source

7. Pegasus Finance

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

Sources: Source

8. Asset Finance Partners

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

Sources: Source

9. Millbrook Business Finance

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

Cons

  • Lack of APR details

Sources: Source

10. Lombard

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

Sources: Source

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.

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FAQs

What is asset finance in agriculture?
Who are the best asset finance lenders for farmers in the UK?
What types of assets can I finance in the agriculture industry?
How does asset finance benefit agriculture businesses?
What are the typical repayments terms for agricultural asset finance?
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1Funding AgentFunding Agent helps UK SMEs compare business finance options fast, with a simple application journey and quick eligibility matching.£10,000–£1,000,000; 4%–20% APR; 3–60 months
2Peregrine FinancePeregrine Finance offers straightforward agricultural finance with a personal touch, trusted by rural businesses across the UK.£0–£0; 0%–0% APR; Unknown
3Oxbury BankOxbury Bank is the UK's first and only AgTech bank, focusing on sustainable agriculture and offering a variety of loan options to farmers.£5,000–£0; 0%–0% APR; 6-25 years
4Aldermore BankAldermore Bank provides finance solutions to business owners and supports sectors such as agriculture with specialist loans.£0–£0; 0%–0% APR; Unknown
5Knight Frank FinanceKnight Frank Finance provides holistic services in agricultural finance, arranging finance for rural land operations with specialist lenders.£0–£0; 0%–0% APR; Unknown
6HSBC UKHSBC UK offers a wide range of agriculture finance solutions, including term loans and asset financing tailored to the needs of farmers.£1,000–£50,000; 5.7%–0% APR; Up to 96 months
7Pegasus FinancePegasus Finance offers asset finance and leasing for agricultural equipment and is known for rapid processing and tailored agreements.£5,000–£500,000; 4%–14.9% APR; Up to 48 months
8Asset Finance PartnersAFP provides bespoke finance solutions to the UK agricultural industry, offering term loans and tailored asset financing.£0–£0; 0%–0% APR; Unknown
9Millbrook Business FinanceMillbrook Business Finance specializes in asset finance for SMEs, providing solutions for agricultural needs with competitive rates.£0–£0; 0%–0% APR; Unknown
10LombardLombard provides asset finance for a range of agricultural equipment, helping businesses invest in technology and vital machinery.£0–£0; 0%–0% APR; Unknown