March 26, 2026
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Best Long-Term Business Loan Lenders for the Agriculture Industry

Discover the best long-term business loan lenders tailored for the agriculture industry in the UK. Find competitive rates and flexible terms to grow your farm or agri-business.
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Best Long-Term Business Loan Lenders for the Agriculture Industry
Jesse Spence
Finance content writer / Market researcher

Jesse Spence is a Funding Research and Content Lead at Funding Agent with 4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business owners, not only, improve approval chances and choose the right type of finance but also find the right funding providers for their needs.

Best Long-Term Business Loan 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 2026-03-23.

1. Funding Agent

Funding Agent focuses on providing a quick and straightforward way for UK SMEs to compare business finance options. It is typically suitable for franchise buyers and small businesses looking for accessible loans with transparent eligibility. The provider offers a fast application process with flexible options and generally no collateral requirements.

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. Oxbury Bank

Oxbury Bank provides bank business loans exclusively for the agriculture sector. It is well-suited to farmers and agri-businesses needing bespoke financial products with tailored terms. The lender is known for its focus on security and longer-term loans with flexible repayment options designed for growth and stability.

Loan Details

  • Min Amount: £500
  • Max Amount: £10,000,000
  • Min APR: 3%
  • Max APR: 8%
  • Loan Duration: 6 months to 25 years ⌛

Services & Industries

  • Finance Types: Farm Loans, Business Loans
  • Industries: Agriculture

Pros

  • Dedicated to agriculture
  • Variety of loan types

Cons

  • Higher rates for higher risk borrowers

Sources: Source

3. AMC (Agricultural Mortgage Corporation)

AMC (Agricultural Mortgage Corporation) specialises in mortgage finance targeted at land-based commercial and agricultural businesses. It is generally suitable for property purchase or refinance needs, offering loans usually secured on land or property. Lending terms may include collateral requirements and focus on long-term financing arrangements.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £1,000,000
  • Min APR: 6%
  • Max APR: 18%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Mortgage Finance, Asset Finance
  • Industries: Agriculture

Pros

  • Long-term financing options
  • Collateral security focus

Cons

  • Limited to agricultural businesses

Sources: Source

4. Aldermore Bank

Aldermore Bank offers flexible business finance products with support for agricultural sectors. It is suited to businesses requiring tailored loan and invoice finance solutions with varied terms. The lender often provides loans with government-backed guarantees and adaptable credit structures to meet diverse needs.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 6%
  • Max APR: 17%
  • Loan Duration: 3 months to unknown ⌛

Services & Industries

  • Finance Types: Business Loans, Invoice Finance
  • Industries: Agriculture

Pros

  • Government-backed guarantee
  • Flexible finance options

Cons

  • Risk of complex terms

Sources: Source

5. iwoca

iwoca is a lender that offers flexible business loans particularly suitable for small and medium-sized enterprises including those in agriculture. It caters to businesses needing quick access to funding with features such as short-term loans and options for no early repayment penalties. The lender’s approach emphasises ease of borrowing and operational flexibility.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 18%
  • Max APR: 48%
  • Loan Duration: 1 day to 24 months ⌛

Services & Industries

  • Finance Types: Business Loans, Short Term Loans
  • Industries: Agriculture, Retail, Service

Pros

  • Fast approval
  • No early repayment fees

Cons

  • Higher interest rates

Sources: Source

6. DLL Group

DLL Group specialises in global vendor and asset-based finance solutions, tailored to sectors including agriculture. This provider suits businesses requiring equipment finance or vendor-related loans. Financing arrangements often have customised terms to match asset types and client needs.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £5,000,000
  • Min APR: 5%
  • Max APR: 12%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Asset Finance, Vendor Finance
  • Industries: Agriculture, Construction, Healthcare

Pros

  • Global expertise
  • Customized finance solutions

Cons

  • Potential for complex terms

Sources: Source

7. Elite Business Funding

Elite Business Funding provides unsecured business loans focusing on agriculture and start-up enterprises. It is suitable for borrowers seeking loans without collateral and longer repayment terms. The lender emphasises clear options with low rates within its specific loan offerings.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 1.9%
  • Max APR: 6%
  • Loan Duration: 1 year to 10 years ⌛

Services & Industries

  • Finance Types: Startup Loans, Business Loans
  • Industries: Agriculture, Start-up

Pros

  • No security required
  • Low rates

Cons

  • Limited to loan types

Sources: Source

8. Close Brothers

Close Brothers offers a broad range of financial products including asset finance and business lending. It suits SMEs in agriculture looking for significant funding with flexible lending options. The lending terms may require strong credit standing and offer tailored solutions.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £100,000,000
  • Min APR: 4%
  • Max APR: 14%
  • Loan Duration: Variable ⌛

Services & Industries

  • Finance Types: Asset Finance, Business Loans, Refinancing
  • Industries: Agriculture, Transport

Pros

  • Access to large amounts
  • Tailored solutions

Cons

  • Requires strong credit score

Sources: Source

9. Fleximize

Fleximize provides flexible, industry-specific loans suited for small to mid-sized businesses, including those in agriculture. It is suitable for borrowers seeking adaptable loan products with growth funding options. The lender emphasises streamlined service with variable terms and APRs based on business needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 8%
  • Max APR: 28%
  • Loan Duration: 3 to 60 months ⌛

Services & Industries

  • Finance Types: Business Loans, Growth Funding
  • Industries: Retail, Services, Agriculture

Pros

  • Tailored loan solutions
  • Award-winning service

Cons

  • Higher APR for certain industries

Sources: Source

10. White Oak UK

White Oak UK offers customised short and long-term financial solutions across various sectors including agriculture. It suits businesses seeking flexible loan options and support tailored to diverse industry requirements. The provider typically supports higher loan amounts with adaptable repayment terms.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £50,000,000
  • Min APR: 6%
  • Max APR: 20%
  • Loan Duration: Short to long-term ⌛

Services & Industries

  • Finance Types: Business Loans, Invoice Finance
  • Industries: Agriculture, Manufacturing, Healthcare

Pros

  • Speedy process
  • Flexible options

Cons

  • High minimum loan amount

Sources: Source

How to choose

When choosing the best long-term business loan lenders for the agriculture industry, consider the size and purpose of the loan as well as your eligibility. Assess whether you need quick funding or more customised terms, and factor in if collateral or security is required. Evaluate the lenders' repayment flexibility alongside their APR and fees. Match the loan type to your business needs, whether for growth, equipment finance, or property. Brokered access and industry specialism can improve suitability. Always review terms carefully before committing.

Conclusion

Choosing the right lender depends on your business needs and loan purpose. Banks often provide specialist agriculture loans with security requirements suited for property or large-scale finance. Brokers like Funding Agent offer fast access to multiple lenders and flexible options for smaller to mid-sized businesses. Specialist lenders may focus on unsecured or asset-based finance with different eligibility criteria. Funding Agent is a strong choice for SMEs seeking convenient comparisons across finance options for loans up to several hundred thousand pounds. Verify current rates and terms directly with providers to ensure the best fit.

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FAQs

What are long-term business loans for the agriculture industry?
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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
2Oxbury BankOxbury Bank is the only UK bank dedicated to British agriculture, providing tailored financial solutions to help farmers grow.£500–£10,000,000; 3%–8% APR; 6 months to 25 years
3AMC (Agricultural Mortgage Corporation)AMC specializes in providing mortgage finance for land-based commercial businesses, with a focus on the agricultural sector.£25,001–£1,000,000; 6%–18% APR; Unknown
4Aldermore BankAldermore Bank offers a range of business finance solutions, supporting agriculture with flexible and tailored financial products.£25,000–£2,000,000; 6%–17% APR; 3 months to unknown
5iwocaiwoca is a flexible UK lender that provides business loans to small and medium-sized enterprises, including agricultural businesses.£1,000–£1,000,000; 18%–48% APR; 1 day to 24 months
6DLL GroupDLL Group is a global vendor finance company offering asset-based financial solutions tailored to the needs of agricultural clients.£20,000–£5,000,000; 5%–12% APR; Unknown
7Elite Business FundingElite Business Funding specializes in providing business loans without requiring security, focusing on agriculture and start-ups.£5,000–£1,000,000; 1.9%–6% APR; 1 year to 10 years
8Close BrothersClose Brothers provides a wide range of financial services to SMEs, including asset finance and other business lending options.£5,000–£100,000,000; 4%–14% APR; Variable
9FleximizeFleximize provides industry-specific loans with an emphasis on flexible lending solutions for small to mid-sized businesses.£10,000–£500,000; 8%–28% APR; 3 to 60 months
10White Oak UKWhite Oak UK offers customized financial solutions and supports businesses across a wide range of sectors with short and long-term loans.£100,000–£50,000,000; 6%–20% APR; Short to long-term
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