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A business loan from Fleximize is the ideal agricultural finance solution

Agriculture is one of the UK’s oldest and most important industries, contributing nearly £14 billion to the UK economy and driving just over £20 billion in exports each year. But with the unpredictable British weather to contend with, alongside ever-changing technology and an uncertain political climate, life for UK farmers is far from easy. Most farmers work from dusk to dawn, 365 days a year, so it’s hard to name many tougher professions - we’re sure Jeremy Clarkson would agree.

At Fleximize, we want to help alleviate some of the pressures you face as a farmer, so our fast funding could provide you with fertile ground for the growth of your business. Read on to find out what our flexible farm loans can be used for, how they work, and whether you’re eligible to apply.

What is farm financing?

Farm finance is a broad term used to describe a variety of finance options available to businesses in the agricultural sector. It allows these businesses to protect their cash flow and create room for growth through fluctuations in revenue and late payments, standard in this industry.

Given the unpredictable nature of farming and agriculture, traditional banks will have stricter lending criteria. However, alternative lenders like Fleximize may be able to provide you with funding in as little as 24 hours. Our terms are tailored to your business circumstances, with plenty of built-in flexibility. So whether you're looking to diversify your farm or simply cover an immediate shortfall caused by a poor harvest, we're here to help.

How our agricultural loans work

Fleximize has supported hundreds of businesses in the agricultural sector. From helping a dairy farm purchase more livestock to funding the revamp of a barley farm’s yard, our flexible farm finance has made a difference to the lives of farmers across the country.

All our agricultural loans come packed with flexible features, including top-ups and repayment holidays. Depending on your trading history, you may also choose between unsecured and secured options across our loans. You can learn more about the Flexiloan and Flexiloan Lite products on our business loans page, but here are the key details:

• Borrow £50,000 to £500,000 over 3 – 60 months
• Competitive interest rates starting from 0.9% per month
• Approval of funds in as little as 24 hours of submitting a full application
• Industry-leading flexibility, including top-ups and repayment holidays as standard
• No exit fees or early repayment charges
• You’ll save on interest if you want to make overpayments without settling in full

We don’t apply the same strict lending criteria that banks do. Instead, we look for a way to say “yes” wherever possible. If your business has been trading for a minimum of six months and passes our basic credit checks, we’ll happily consider it for farm funding.

APPLY FOR FARM FINANCE

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What can farm finance be used for?

We understand that farmers must remain well-stocked and equipped all year round and that introducing short-term changes often requires more machinery, buildings, and land. But farmers also have long-term plans to consider. Whether you’re planning to expand your agricultural business by launching a farm shop, investing in renewable energy projects or purchasing another piece of land, an injection of flexible finance is necessary to achieve your goals.

Thankfully, our small business loans can be used for a variety of purposes, including, but not limited to, the following:

Livestock & feed purchase	Diversification
Fertiliser and pesticides	Machinery upgrades & repairs
Land purchase & building refurbishments	Renewable energy
Crop storage	Vehicle lease or purchase
Grain and feed stores	Chicken sheds & cattle housing

Check your eligibility for an agricultural loan

Our loan criteria is flexible enough to accommodate businesses that experience volatility, like those in the agricultural sector, but we do have a few basic requirements for all applicants:

• We offer agricultural finance to UK businesses registered with Companies House, and sole traders and partnerships applying for over £25,000.
• Your company must have been trading for at least six months and have a minimum monthly turnover of £5,000.
• Businesses in England and Wales can apply for a small business loan of up to £500,000. This can be provided on a secured or unsecured basis, depending on how much you want to borrow and over what term.
• Businesses in Northern Ireland and Scotland can apply for unsecured loans of up to £250,000.
• For non-homeowners, we can offer funding up to a maximum of £20,000

How much does farm funding cost?

With interest rates starting from just 0.9%, you can use our award-winning business loan calculator to estimate the overall cost of your equipment finance. And thanks to our Penalty-Free Promise, you can repay early to save on the amount of interest you owe. There are no hidden fees to worry about either, so you can keep your attention on the weather forecast and not things you don’t need to.

To get a fully tailored finance package bespoke to the needs of your agricultural business, call us on 020 7100 0110 and we’ll build a quote for you.

Why choose Fleximize for an agricultural loan?

Our small business loans for agriculture companies have helped farm owners just like you to grow not only their precious crops but their businesses too. So, here’s what to expect from us as a provider of agricultural finance:

• Flexibility: Build a finance package that suits you and take advantage of top-ups, repayment holidays, and our Penalty-Free Promise.
• Personal: You’ll have a dedicated relationship manager to make sure your farm finance works for you. They’ll be your point of contact if you come back for extra funding, too.
• Fuss-free: You can apply for a loan online in just a few minutes, leaving you to get on with your day. If approved, you could receive the funds you need within 24 hours.
• Trusted: We’ve earned an ‘excellent’ Trustpilot rating.
• Award-winning: We’ve been named Best Business Finance Provider at the British Bank Awards.

Loved by our customers

Apply for a small business agricultural loan today

Applying for an agricultural loan with us couldn’t be simpler. Just fill out our online application form with a few basic details and you’ll be on your way. If you pass our initial checks, a member of the team will be in touch straight away to take you through the final steps.

For more information about our farm funding solutions, please check our FAQs or call 020 7100 0110 to speak to one of our experienced relationship managers.