Question 1

Can agricultural finance payments be structured around harvest income?

Accepted Answer

Yes, seasonal payment structures are common in agricultural finance. Payments can be weighted towards post-harvest months when cash flow is strongest, or include payment holidays during quieter periods. This flexibility helps align repayments with farming cash flows.

Question 2

Can I use BPS/farming subsidies as part of my finance application?

Accepted Answer

Lenders recognise farming subsidy income as part of your overall business income. Some offer facilities specifically designed around expected subsidy payments, though diversified income streams strengthen applications. The transition from BPS to new schemes is understood by agricultural lenders.

Question 3

Is there finance available for renewable energy on farms?

Accepted Answer

Yes, solar installations, biomass boilers, and other renewable energy equipment are regularly financed for agricultural businesses. These can often benefit from additional incentives and may generate income through feed-in tariffs or RHI payments that strengthen the finance case.

Question 4

Can I finance second-hand agricultural equipment?

Accepted Answer

Absolutely. Quality used agricultural machinery is commonly financed, particularly from dealers with good service histories. Lenders are comfortable with used tractors, combines, and implements up to 10+ years old depending on condition and expected remaining life.

Agriculture & Farming Finance

Assets We Finance for Agriculture & Farming

Finance Solutions for Agriculture & Farming