March 26, 2026
Lists

Best Long-Term Business Loan Lenders for the Farming Industry

Discover the best long-term business loan lenders tailored for the farming industry in the UK. Learn about loan options, interest rates, and how to secure funding for your farm business.
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Best Long-Term Business Loan Lenders for the Farming 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 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 2026-03-23.

1. Funding Agent

Funding Agent offers a platform facilitating swift comparison of business finance options for UK SMEs. The service typically suits those seeking straightforward unsecured loans or working capital. It features a fast application and eligibility check, providing flexibility without requiring 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

Sources: Funding Agent

2. Oxbury

Oxbury is a lender focused on agricultural loans tailored to farmers and rural businesses. It suits borrowers seeking loans with flexibility in terms and an emphasis on agriculture. Oxbury provides competitive rate options and adapts to diverse repayment schedules without typically requiring extensive collateral.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 9%
  • Max APR: 12%
  • Loan Duration: 3 to 60 months ⌛

Services & Industries

  • Finance Types: Farm loans, Business loans
  • Industries: Farming

Pros

  • Specialized in agriculture
  • Flexible loan terms

Cons

  • Interest rates can be high

Sources: Source

3. Agricultural Mortgage Corporation (AMC)

Agricultural Mortgage Corporation (AMC) provides long-term mortgage finance services targeted at agricultural property purchases and business expansion. Suitable for those requiring secured, property-backed loans, AMC offers various repayment options and supports capital growth strategies. Loan terms and approvals focus on detailed property valuations and agricultural viability.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varies ⌛

Services & Industries

  • Finance Types: Mortgages, Long-term loans
  • Industries: Farming

Pros

  • Focused on agriculture
  • Comprehensive support

Cons

  • Limited upfront information on APR

Sources: Source

4. UK Agricultural Finance

UK Agricultural Finance specialises in secured lending, supporting agricultural properties and rural enterprise financing. It suits borrowers seeking longer loan terms and secured options with a focus on flexible repayment schedules. The lending process considers security value and sector-specific risks.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £0
  • Min APR: 4%
  • Max APR: 8%
  • Loan Duration: Up to 25 years ⌛

Services & Industries

  • Finance Types: Secured loans, Development finance
  • Industries: Farming

Pros

  • Tailored for agriculture
  • Flexible terms

Cons

  • Higher rates for unsecured loans

Sources: Source

5. Triodos Bank

Triodos Bank concentrates on sustainable finance, offering loans to businesses aiming for environmental and social impact. It suits enterprises in agriculture and similar sectors that align with ethical criteria. Loan offerings usually include flexible terms and options supporting sustainable project investment.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Variable ⌛

Services & Industries

  • Finance Types: Business loans, Sustainable finance
  • Industries: Farming, Sustainable businesses

Pros

  • Sustainable focus
  • Strong mission alignment

Cons

  • High minimum loan amount

Sources: Source

6. HSBC

HSBC offers a broad selection of business loans with a focus on small and medium enterprises, including those in agriculture. It is suitable for businesses preferring established banks that combine competitive rates with varying collateral requirements. Repayment plans and loan types tend to be flexible within bank policy frameworks.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 5.7%
  • Max APR: 6.2%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Business loans, Personal loans
  • Industries: General business, Farming

Pros

  • Global presence
  • Comprehensive services

Cons

  • Stringent eligibility criteria

Sources: Source

7. Barclays

Barclays delivers a variety of financing options including agricultural mortgages and business loans for farming enterprises. Their lending suits businesses that prioritize support from a major bank, with an emphasis on structured repayment and long-term financial planning. Security and loan-to-value ratios are key considerations in approvals.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Business loans, Mortgages
  • Industries: Farming, General business

Pros

  • Strong financial support
  • Flexible terms

Cons

  • Higher APR for smaller loans

Sources: Source

8. Aldermore Bank

Aldermore Bank offers specialised asset finance and business lending aimed at supporting growth and investment in agricultural and commercial sectors. It is suited to borrowers requiring tailored repayment options and asset-backed lending solutions. Approvals typically consider asset values and sector-specific needs.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3 months to 5 years ⌛

Services & Industries

  • Finance Types: Asset finance, Business loans
  • Industries: Farming, General business

Pros

  • Flexible solutions
  • Industry expertise

Cons

  • Limited APR details

Sources: Source

9. Maf Finance Group

Maf Finance Group works with various funders to provide a diverse range of business loan products for farming and related sectors. It is appropriate for borrowers seeking brokered access to multiple lenders and customised loan solutions. Terms and repayment flexibility vary by funder but aim to suit agricultural needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3 months to 6 years ⌛

Services & Industries

  • Finance Types: Business loans, Secured loans
  • Industries: Farming, General business

Pros

  • Wide range of products
  • Tailored options

Cons

  • Dependence on third-party lenders

Sources: Source

10. Fleximize

Fleximize provides flexible loan options focused on SMEs and farming businesses needing quick funding with customised terms. It is suitable for applicants prioritising speed and term flexibility, including secured and unsecured loans. The lender supports varied repayment schedules tailored to growth and operational requirements.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 10.8%
  • Max APR: 15.6%
  • Loan Duration: 3 to 60 months ⌛

Services & Industries

  • Finance Types: Business loans, Secured loans
  • Industries: Farming, General business

Pros

  • Fast approval
  • Flexible terms

Cons

  • Higher interest rates

Sources: Source

How to choose

Consider your farming business’s specific needs when choosing a long-term business loan. Match loan size and APR to your budget and consider repayment flexibility to suit seasonal income. Evaluate eligibility criteria and the type of loan: unsecured, secured, or brokered. Assess the speed of approval against the loan’s terms and conditions. Review any collateral requirements and fees carefully before applying to ensure the loan fits your operational cash flow and growth plans.

Conclusion

Choosing the right lender depends on your specific business needs, loan purpose, and preferred loan structure. Traditional banks may offer reliability and structured products, while brokers provide access to multiple lenders and tailored solutions. Specialist agricultural lenders focus on sector-specific expertise and asset-backed lending. Funding Agent supports borrowers seeking quick, easy comparison of options. For a loan around 200 thousand pounds, balance your priorities between speed, flexibility, and security when selecting a provider.

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FAQs

What types of long-term loans are available for farmers?
How do I qualify for a long-term business loan in the farming industry?
Which lenders specialise in long-term loans for farmers in the UK?
What interest rates can farmers expect on long-term business loans?
How long are long-term business loans for farmers usually repaid over?
Can I use a long-term business loan to buy farming equipment?

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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
2OxburyOxbury is a specialized agricultural bank providing tailored loans for farmers, offering competitive rates and flexibility to meet long-term financial needs.£10,000–£500,000; 9%–12% APR; 3 to 60 months
3Agricultural Mortgage Corporation (AMC)AMC specializes in providing long-term mortgage finance for agricultural businesses, supporting consolidation and expansion plans across the UK.£25,001–£0; 0%–0% APR; Varies
4UK Agricultural FinanceUK Agricultural Finance provides secured loans tailored for agricultural properties and rural businesses, with flexible terms to support growth and development.£5,000–£0; 4%–8% APR; Up to 25 years
5Triodos BankTriodos Bank focuses on sustainable banking, offering loans to businesses that contribute to positive social and environmental change, including agricultural enterprises.£100,000–£1,000,000; 0%–0% APR; Variable
6HSBCHSBC offers a wide range of business loans, including tailored solutions for small and medium enterprises in the agricultural sector, with competitive rates and flexible terms.£1,000–£50,000; 5.7%–6.2% APR; 1 to 10 years
7BarclaysBarclays provides a range of business financing solutions, including agricultural mortgages, to support farming enterprises with their long-term financial goals.£1,000–£100,000; 11.2%–14.9% APR; 1 to 10 years
8Aldermore BankAldermore Bank specializes in offering tailored financial solutions including asset and agriculture finance to support businesses' growth and investment.£25,000–£2,000,000; 0%–0% APR; 3 months to 5 years
9Maf Finance GroupMAF Finance Group collaborates with a panel of funders to provide a wide range of financial products for businesses, tailored to meet their unique needs.£10,000–£2,000,000; 0%–0% APR; 3 months to 6 years
10FleximizeFleximize offers flexible business loans specifically designed for SMEs, providing fast approval and customized terms to support business growth and expansion.£5,000–£500,000; 10.8%–15.6% APR; 3 to 60 months
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