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Farm Finance & Agricultural Finance

As a lender that specialises in providing fast, non-status farm finance and farmland loans, Charterbank can help you develop your agricultural business.

Agricultural financing is available for the purchase of land, while dedicated farm development facilities are available to provide loans and finance for barn conversions, new build developments and refurbishment projects.

Charterbank provide ‘no red tape’ finance for almost any farming or agricultural purpose.

Short-term farm and land loans are available to farmers and landowners for any business purpose, provided that you have suitable property (buildings or land) to offer as security (1st or 2nd charge) and a credible plan to repay the loan.

• Products from 3-12 months • Immediate decisions • Up to 65% (net) LTV • Ltd Companies accepted • Self cert non status loans • No monthly interest payments • No upfront fees • No exit fees • No penalties • No red tape

Need Finance? Get a quick quote

What is farm finance from Charterbank?

Farm finance is available to carry out general farm improvements, building works, land purchases, new machinery purchases, or to fund legal or professional costs. Loan terms of up to 1 year are available with the option to add the monthly interest payments to the loan each month for the term of the loan.

Loans and financing can be secured against land, farm buildings, equestrian facilities and complete farms ranging in size. Loan terms can even be extended at the end of the term.

Stands head and shoulders above the rest

Trusted principal lenders

Common farm finance scenarios

These can include a barn conversion to form a holiday letting unit or for onward sale, capital to fund expansion or a low-income period, or finance to purchase of additional land by private treaty or auction.

You may also be looking to diversify into renewable energy, seeking a short-term cash flow solution to repay an existing farm loan, bank loan or overdraft, or simply looking to purchase new machinery.

How can farm and land finance be used?

Finance secured on farms and land can be used to improve, refurbish or develop farm buildings to increase income streams or develop all or part of a farm to sell. Farm and land loans can be used to fund the cost of large planning applications or to diversify into renewables.

Our loan facilities are fast, dependable and bespoke to suit the needs of you or your client. Flexible loan terms up to 1 year are available and come complete with rolled up interest, no up-front fees, no exit fees or early repayment penalties.

Is farm finance or a farmland loan for you?

If you are looking to arrange a loan to improve, develop or diversify your farm, a non-status loan facility from Charterbank can help. Our secured loans are available to help fund any business purpose, provided that you have suitable land or property to use as security and a credible plan to repay the loan.

Find out more information on common loan scenarios.

You can contact us for an informal discussion about your finance requirements. Or click here to apply for farm finance or a farmland loan.

Popular Farm Finance FAQs

How quickly can I get Agricultural Finance?

Short-term Farm Finance and Agricultural Finance can be raised relatively quickly. Charterbank can provide fast short-term finance secured against farms, agricultural land and buildings; generally within a few weeks (shorter timescales can be accommodated) of receipt of a completed Application Form.

Is it easy to get Farm Finance or Agricultural Finance?

Charterbank provides non-status Farm Finance and Agricultural Finance. This means that decisions to lend are made solely against the strength of the property asset (farm, agricultural land, buildings) to which the loan will be secured. No credit scoring is undertaken.

How do I get an agricultural loan?

Loans are secured against agricultural land, buildings, or farms. A simple enquiry form is all that is required to submit a case, after which, formal terms are quoted together with a remote ‘desktop’ appraisal of the land/property to be secured.

Can I get Farm Finance or Agricultural Finance even if I have a bad credit rating?

Yes, Farm Finance/Agricultural Finance can be provided even if the applicant has a low or bad credit rating. Farm and agricultural land finance is a secured short-term ‘property-backed’ loan therefore the loan can typically be provided on a non-status basis. This means that you can usually obtain finance even if your credit rating is poor or you have previously been made bankrupt.

Our Track Record

2011

Founded

80 Years

Combined Experience

1 day

Timescale to make a credit decision

£500k

Loan size (up to)