The situation
Farm cashflow is lumpy — subsidy timings, harvest cycles, livestock rotation — and standard commercial lenders often can't underwrite it. The specialist agri-market and select traditional banks have this expertise.
How we approach it
We work with agri-specialists and know the diversification lender panel well. Solar leases, holiday-let conversions, farm shops, wedding venues — each has a distinct funding route.
What that looks like in practice
- Land and farm buildings up to 60-65% LTV typically
- Diversification (barn conversions, glamping, holiday lets) actively funded
- Working capital facilities structured around cropping cycles
- Solar and renewable diversification — long-term lease income mortgageable
- Succession planning finance across generations
Typical timeline
- Weeks 1-3Farm accounts, land, diversification plans assessed.
- Weeks 4-8Specialist lender application, valuation.
- Weeks 8-14Legals, completion.
Common questions
Can subsidy income support the loan?
Yes — modern lenders factor in subsidy replacements (ELMS, BPS transition) with sensible haircuts.
How is farmland valued?
Comparable sales plus productive value. Development-adjacent land carries hope value; pure agri land priced accordingly.
Diversification finance — can it come from the main lender?
Sometimes; often better structured separately (commercial mortgage on the diversification, agri facility on the farm).
Farm and diversification finance
Send farm details and any diversification plans — we'll route to specialists who understand rural business.