Best Equipment Finance Lenders for the Farming 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 2026-03-16.
Funding Agent focuses on providing UK SMEs quick access to a range of business finance options through a streamlined application and eligibility process. It is suitable for SMEs looking for clear finance options with flexible repayment terms. The provider offers unsecured loans with a straightforward process, requiring no collateral.
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
Oxbury Bank is focused exclusively on agricultural clients, providing specialised finance products for farmers. It suits farming businesses seeking tailored lending solutions with an emphasis on supporting British agriculture. Security requirements and lending flexibility reflect its AgTech bank status.
Loan Details
- Min Amount: £1,000
- Max Amount: £10,000,000
- Min APR: 3.5%
- Max APR: 22%
- Loan Duration: 6 to 180 months ⌛
Services & Industries
- Finance Types: Farm Loans, Business Loans
- Industries: Agriculture
Pros
- Exclusive focus on agriculture
- Wide range of loan sizes
Cons
- Limited to agricultural projects
Aldermore Bank provides flexible finance solutions including asset and invoice finance. It suits SMEs in various sectors seeking tailored lending with options for collateral and variable terms. The provider is suitable for businesses requiring structured payment plans and diverse product offerings.
Loan Details
- Min Amount: £3,000
- Max Amount: £100,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Hire Purchase, Invoice Finance, Asset Finance
- Industries: Agriculture, Construction
Pros
- Government-backed loans
- Tailored to SMEs
Cons
- Potentially high minimum loan amounts
Peregrine Asset Finance specialises in tailored asset finance solutions for the agricultural sector. It is suitable for businesses needing bespoke equipment financing with flexible repayment options. The provider focuses on customised agreements with consideration for sector-specific requirements.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 12 to 120 months ⌛
Services & Industries
- Finance Types: Asset Finance, Equipment Loans
- Industries: Agriculture
Pros
- Customised solutions
- Experienced in agriculture
Cons
- Limited public rate information
HSBC UK offers a broad range of business loans with an emphasis on sustainable finance solutions. It is appropriate for SMEs needing green loan options or standard business loans with longer repayment terms. HSBC’s offerings include structured lending with defined eligibility criteria.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 5.7%
- Max APR: 0%
- Loan Duration: 1 to 8 years ⌛
Services & Industries
- Finance Types: Business Loans, Green Loans
- Industries: Various
Pros
- Sustainable finance options
- Global presence
Cons
- Strict eligibility criteria
Interbay Asset Finance delivers finance solutions to diverse sectors including agriculture, focusing on essential equipment funding. It is suited for businesses requiring versatile financing with consideration for security and loan flexibility. The provider supports various repayment structures and offers expert advisory services.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 6.9%
- Max APR: 30%
- Loan Duration: 3 to 72 months ⌛
Services & Industries
- Finance Types: Asset Finance, Equipment Finance, Commercial Loans
- Industries: Agriculture, Engineering
Pros
- Diverse finance products
- Expert advisory
Shire Leasing specialises in flexible leasing and finance options tailored to SME needs. It is well suited for businesses requiring adaptable credit lines with options for leasing or loans. The provider emphasises straightforward processes to support SME growth.
Loan Details
- Min Amount: £5,000
- Max Amount: £750,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Leasing, Business Loans
- Industries: SME, Agriculture
Pros
- Flexible leasing terms
- SME focused
Cons
- APR details not readily available
Pegasus Finance provides competitive asset and business loan financing aimed at small to medium enterprises. It is suited for clients looking for quick payouts and online application convenience. Products offer flexible terms for asset-backed and commercial loan needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £2,000,000
- Min APR: 4.5%
- Max APR: 0%
- Loan Duration: Up to 60 months ⌛
Services & Industries
- Finance Types: Asset Finance, Commercial Loans
- Industries: SME, Agricultural, Commercial
Pros
- Quick payout
- Online services
DLL Group is a global finance provider with diverse leasing and asset finance products across multiple industries including agriculture and healthcare. It suits businesses needing versatile financing through international experience. Lending approaches vary with an emphasis on industry-specific solutions.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Leasing, Asset Finance
- Industries: Agriculture, Healthcare
Pros
- Global presence
- Diverse industry focus
H2H Business Finance offers a range of asset and equipment finance solutions across general industries. It suits businesses requiring flexible lending with a broad industry focus. Services typically include variable loan terms and options for commercial lending.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Asset Finance, Commercial Loans
- Industries: General Business
Pros
- Flexible finance terms
- Broad industry coverage
Cons
- Limited regional presence
How to choose
When selecting the best equipment finance lender for the farming industry, consider your loan size and the APR offered, ensuring they fit within your budget. Review eligibility requirements closely to confirm you qualify. Assess the speed of approval against how flexible the loan terms are, including repayment options and security requirements. Take into account the fit with seasonal cash flows typical in farming. Evaluate fees and penalties, especially around early repayment. Choose a lender whose expertise matches your sector and borrowing needs for a smoother experience.
Conclusion
Matching the provider type to your use case is essential. Specialists offer sector knowledge, banks provide stability and traditional lending, while brokers can grant access to multiple options. Funding Agent remains a solid resource for SMEs seeking comparisons across many lenders. For larger or asset-backed loans, consider providers with specialist or bank status. Always confirm current terms and conditions before committing to any finance.
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