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Agriculture Finance

Our agriculture division provides agriculture finance and business loans to a range of businesses across the UK.

Dedicated team of Agriculture Finance Experts

Our specialist agriculture finance team is led by Rachel Galbraith who has over 28 years of experience in the finance industry and over 16 years within agriculture finance. Rachel has headed up our agriculture team for the past 6 years since joining MAF Finance Group, she previously worked for Lloyds and NatWest.

The agriculture team can help with any financial needs that a range of businesses might have. This includes a wide variety of agriculture assets, from cultivators, tractors, and combine harvesters to livestock, robotic milking machines and crop sprayers. 

What is Agricultural Finance?

Agriculture finance comes in many different forms. Whether it’s an unsecured loan for a farm or getting finance to purchase dairy herds or combine harvesters.

Our specialist agriculture team will be able to help with any financial needs you might have.

We can provide finance for a wide variety of agricultural assets, from cultivators, tractors and combine harvesters to livestock, robotic milking machines and crop sprayers, and we’ll guide you through every part of the agriculture finance process.

As well as arranging funding for the purchase of new and used agricultural equipment, we can also look at other options like restructuring existing finance agreements or providing flexible seasonal payment options.

With the government’s target of being carbon net zero by 2050, we are also keen on working with businesses who are looking to utilise renewable energy.

Some of the agriculture equipment we can finance

We offer a range of agriculture finance solutions, including:

Combine Harvester Finance – Combine harvesters are vital for efficiently harvesting a variety of grain crops and there are many types of available.

Dairy Herd Finance – You may want to replace some of your existing cows or expand your herd.

Tractor Finance – Tractors are the lifeblood of any farm and are vital to the success of a lot of agricultural businesses. With no age limitation, any tractors or other machinery that you’re looking at purchasing can be new or used and supplied by either a specialist dealer or bought privately.

Wheeled Harvester Finance – A wheeled harvester can provide an efficient and safe way to improve productivity when tree harvesting in any forest condition.

Woodchipper Finance – A shredder or woodchipper is an ideal way to dispose of branches and forestry and gives you the opportunity to turn wood into chippings that can be easily transported, composted or burned as fuel.

Agriculture Equipment Finance – Whether it’s a crop sprayer, hedge cutter or milking robot, agriculture equipment finance covers all the equipment you might need to expand your business.

We Have an
Appetite For ‘Yes’

10,000+ Companies Helped
Supporting businesses of all sizes with whole market financial access.

How does agriculture finance work?

We work with you and the lender of choice to determine the required loan amount, with the lender specifying the terms and conditions. Following your acceptance of the terms and conditions, you will get the full amount and typically make monthly repayments with interest for the specified period of time.

Why may you require agricultural finance?

  • Adaptation to regulations
  • Climate change
  • Consumer preferences
  • Expansion of production (including land purchase)
  • Higher market share
  • Improve economies of scale
  • Increase competitiveness
  • Modernising farm and machinery to increase efficiency
  • Reduce costs

How long does it take to secure agriculture finance?

Agricultural finance often varies and depends on the business and type of finance required. It might take a few weeks or may require several months of planning. Applicants for agriculture finance should have all their accounts in order and available for inspection, just like with any other type of business funding. Bank statements, the last three to five years’ worth of certified accounts, business plans, and specifics on assets and liabilities can all be required.

Secured borrowing, which necessitates the value of the collateral prior to terms being agreed upon, will take longer to obtain than unsecured finance.

It can take a long time to approve loans to establish a farm. A new farmer needs a strong business plan, cost and revenue estimates, and an excellent credit history both personally and in any prior businesses if they have no prior experience. Established farmers looking to mortgage existing property or buy new land might receive a response more quickly, but they should still anticipate a few weeks.

Through out this process the MAF Finance Group agriculture team will help and guide you through the process, co-ordinate between you and the lender and make the application as streamlined and efficient as possible.

Applying for agriculture finance

MAF Finance Group works with a wide panel of banks and alternative finance providers to deliver the most competitive and flexible solution for you.

If you would like to get a quote or need further information, simply fill in the form and we will contact you. If you want to speak to someone directly, you can call us on 0115 958 6872 and a member of our team will be happy to speak to you. Alternatively, email us at

Other Products We Offer

Additional products in our extensive range
of Financial Solutions

Asset Finance

Asset finance allows you to purchase an asset for your business by spreading the cost over monthly repayments meaning you won’t need to use your working capital.

Asset-Based Lending

Asset-based lending (ABL) is a type of finance in which a business can use its assets, such as inventory and property to release working capital.

Hire Purchase

Hire purchase allows your business to buy an asset by spreading the cost over a fixed period of time with regular monthly instalments.

Invoice Finance

Invoice finance provides early access to the funds owed to you in unpaid invoices. If you find your business waiting for customers to pay for your services or products, you could use invoice finance as a way of getting paid sooner.

Unsecured Loans

An unsecured loan is a way of injecting cash into your business if you need help with working capital or general expenses.

VAT Deferral

VAT deferral allows you to defer VAT payments for 3 months meaning you will have additional time to make the VAT payment on your purchase.

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