Agriculture and Rural finance
Invest in your land.
Back your business.
Agriculture and rural business finance for machinery, seasonal inputs and diversification.
TMS Finance is a credit broker, not a lender.
Plan Funding Around the Agricultural Cycle
Agricultural and rural businesses often incur machinery, feed, seed, fertiliser, livestock and labour costs months before income is received. Weather, commodity prices and seasonal production can make cash flow uneven even in a well-run operation.
Commercial finance can support essential equipment, inputs, diversification, property and working capital when repayments are matched sensibly to the business cycle.
A funding plan that fits your sector
TMS Finance reviews the enterprise, seasonal cash flow, assets, contracts, subsidies or other income and intended use of funds before approaching suitable providers.
We explain the costs, repayment structure, lender requirements and any security or personal guarantee before you decide how to proceed.
Finance routes worth exploring
The right route depends on your business, the use of funds and how repayments will be supported.
Asset finance
Spread the cost of agricultural machinery and commercial vehicles.
Working capital
Plan funding around seasonal production and operating costs.
Property finance
Explore land, rural premises and diversification projects.
What could your funding support?
- Tractors, combines and agricultural machinery
- Livestock, feed, seed, fertiliser and crop inputs
- Commercial vehicles and specialist attachments
- Farm buildings, storage and infrastructure
- Renewable energy and efficiency projects
- Diversification into tourism, food or rural services
- Seasonal working capital and tax commitments
- Land, rural property and business acquisition
Tell us what you need to achieve
Share your funding amount, purpose and timescale. We’ll review your enquiry and explain the information needed to explore suitable options.
Submitting an enquiry does not commit you to proceed. Finance is subject to status, affordability, lender criteria and approval. Security and personal guarantees may be required.
01
Understand your needs
Review your business, purpose, timescale and existing commitments.
02
Explore suitable routes
Consider relevant providers from our panel and explain their requirements.
03
Make an informed choice
Review the costs, conditions and repayment commitments before proceeding.
Agriculture and Rural finance FAQs
Funding may be available for qualifying new or used tractors, combines, telehandlers, implements, vehicles and other machinery. The asset, supplier, age, value and expected useful life affect lender terms.
Some lenders may offer monthly, quarterly or seasonal repayment profiles where this is supported by the business cash flow. Availability depends on the product, lender and strength of the application.
Business loans, revolving credit or trade finance may help fund livestock, feed, seed, fertiliser and other seasonal inputs. Lenders will assess the production cycle and expected route to repayment.
Potentially. Funding may support projects such as farm shops, holiday accommodation, food production, storage or renewable energy where permissions, costs, forecasts and management experience are satisfactory.
Property finance or a commercial mortgage may be available for qualifying land, farms, buildings and rural commercial premises. A valuation, legal work, deposit and clear repayment strategy will usually be required.
Asset refinance may release working capital against suitable unencumbered machinery or replace an existing agreement. Valuation and lender security requirements will apply.
Common requirements include accounts, bank statements, management information, asset or property details, supplier quotations, enterprise budgets, existing borrowing and evidence of seasonal income.
Prepare for your application
Common requests include accounts, business bank statements, existing borrowing and evidence of the costs or project being funded. Sector-specific details also help lenders understand the requirement.
Explore other sectors
Find finance information for UK businesses across construction, property, retail, manufacturing, hospitality, healthcare, transport and agriculture.
Ready to discuss your next move?
Start with the business outcome you want. We’ll help you understand the funding routes that may fit.