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Agriculture finance: What do you need to know?

PUBLISHED ON: 03/10/2025

What is agriculture finance?

Agriculture finance allows agri-business to make new purchases, whilst spreading the cost over time, or the ability to restructure existing finance agreements. With agriculture finance, multiples finance products are available, including unsecured loans specifically designed for farms and agri-businesses, a hire purchase agreement, or asset refinance.

At MAF Finance Group, we have a team of agriculture finance specialists, who can arrange finance for a wide range of needs.

As part of agriculture finance, we can provide finance for a broad selection of assets. These include tractors, farmland finance, combine harvesters, and a wide range of agriculture equipment.

What type of finance is available with agriculture finance?

Farm Loans: This type of loan is designed specifically for farmers or agri-businesses. It offers repayment terms tailored to the unique demands of the agricultural sector and offers both short and long-term finance solutions depending on the method of finance chosen. Farm loan options include agriculture mortgages, working capital loans, unsecured business loans, and livestock finance.

Hire Purchase: This solution allows agri-businesses to spread the cost of purchasing a new asset over a pre-defined period. Instead of paying the full value of the asset upfront, hire purchase ensures you can acquire and use the asset without using a significant portion of your cash flow upfront.

Asset Refinance: Refinancing allows businesses to leverage the value in owned assets, with this cash then able to be used to invest in new assets, make growth investments, or restructure existing finance arrangements. Throughout the refinancing period, the assets being refinanced are still able to be used by the business, ensuring no disruptions to operations.

Commercial Mortgages: This type of finance enables the purchase or refinance of a business property. With commercial mortgages, you borrow against the value of the property. Through a commercial mortgage, new premises can be acquired, new land can be purchased, current premises can be renovated, or can be refinanced.

What assets can be financed through agriculture finance?

Combine Harvester Finance – Combine harvesters play a crucial role in streamlining the harvesting process for various grain crops. With a wide range of models available, securing the right finance can help you invest in the best machine for your operation.

Dairy Herd Finance – Whether you're looking to grow your dairy operation or replace livestock, dairy herd finance can support your farm.

Tractor Finance – Tractors are essential to running a successful farm, forming the backbone of many agricultural operations. With flexible finance options for both new and used tractors, farmers can receive tailored solutions for their tractor purchase.

Harvester Finance – Wheeled harvesters offer a method for felling and processing trees in all types of environments. Financing can help you access the right equipment to boost efficiency in timber harvesting.

Woodchipper Finance – Investing in a woodchipper or shredder provides a practical solution for managing forestry waste. Turn branches and offcuts into wood chips that can be reused as mulch, compost, or biofuel.

Agricultural Equipment Finance – From precision sprayers and hedge trimmers to automated milking systems, agricultural equipment finance helps you acquire the tools needed to enhance productivity and grow your business.

Farmland Finance – Opportunities to purchase rural land and agricultural property often arise unexpectedly. With the right finance solution in place, you can move quickly to secure the farmland essential to your future plans.

How do I secure agriculture finance?

If you're looking to receive agriculture finance, enhancing your financial profile is key to increasing your approval odds. Consistent revenue growth is a key factor in demonstrating stable income, reassuring lenders of your ability to repay. Prepare a detailed business plan that clearly outlines how the loan will be used and how you plan to repay.

In addition, showcasing a track record of healthy cash flow will strengthen your application. Lenders want to see that your business can meet its obligations without financial strain.

Benefits of agriculture finance

  • Cash flow injection
  • Restructure existing debts
  • Purchase a new property
  • Acquire new assets
  • Improve efficiency
  • Expand current land/premises
  • Wide range of finance options available
  • Seasonal payment options

Applying for agriculture finance

At MAF Finance Group, we can compare offerings from a comprehensive range of banks and alternative funder to ensure the most competitive option is determined.

To receive further information or to get a quote, simply fill out the below form. If you would like to speak to us directly, call us on 0115 958 6872, and a member of our team will happily speak to you. Alternatively, email us at [email protected].

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