Agricultural Finance

Agricultural Finance Solutions for Farmers: Grow Your Business with First Oak Capital

As a specialised finance broker, First Oak Capital is dedicated to providing agricultural finance solutions to help farmers grow their businesses.

With a focus on the agricultural sector, we offer tailored funding and loan options for a range of equipment and diversification projects.

Agricultural finance is a niche segment within the financial services industry, specifically designed to cater to the unique needs and challenges faced by farmers and agribusinesses.

This type of financing typically includes loans, leases, and other financial products aimed at supporting the growth and sustainability of farms.

At First Oak Capital, we understand that the agricultural sector is diverse, with farms requiring different types of machinery, vehicles, and other essential assets.

That’s why we work hard to source and offer the most suitable and competitive agricultural finance options to help your business grow.

Agricultural finance options

Types of Agricultural Finance:

Finance Lease

A finance lease is a flexible financing solution that allows farmers to use essential equipment without the upfront cost of purchasing it outright. Under this arrangement, the leasing company retains ownership of the asset while the farmer makes regular payments for its use over a fixed term. At the end of the lease, the farmer may have the option to purchase the equipment at a predetermined residual value, extend the lease, or return the equipment. Benefits to farmers include improved cash flow, potential tax advantages, and the ability to upgrade equipment at the end of the lease term to keep up with technological advancements.

Hire Purchase

Hire purchase is a financing option that enables farmers to acquire equipment through a series of regular payments, eventually owning the asset outright. The equipment serves as collateral for the loan, and the ownership is transferred to the farmer once the final payment is made. The benefits of hire purchase for farmers include fixed interest rates, flexible repayment terms, and the ability to build equity in the asset over time. Additionally, hire purchase can offer tax advantages, as the interest and depreciation of the equipment may be tax-deductible.

Term Loans

Term loans are a type of financing where a farmer borrows a lump sum of money, which is then repaid over a fixed period, typically with regular monthly payments. Term loans can be used for various purposes, such as purchasing equipment, vehicles, or livestock, as well as financing farm expansion or improvement projects. The benefits of term loans for farmers include predictable repayment schedules, potential tax benefits, and the ability to secure funding for larger, long-term investments that can help grow their business.

Commercial Mortgages

Commercial mortgages are loans secured by agricultural land or property, allowing farmers to purchase, refinance, or develop farm-related real estate. These mortgages typically have longer repayment terms than other financing options, often ranging from 15 to 30 years. The benefits of commercial mortgages for farmers include competitive interest rates, the ability to build equity in their property, and the potential for capital appreciation over time. Furthermore, commercial mortgages can provide farmers with financial stability, as the value of agricultural land often increases, providing long-term security and growth potential for their business.

agricultural finance livestock


Helping Since 1994

Benefit from our 30 years of experience and expertise in commercial finance brokering

Competitive Industry Rates

Increase business growth and save money with highly competitive industry rates

Access Over 100 Lenders

Access to more than 100 lenders in the UK finance market

Funding Within 48 Hours

Once approved, funding can be provided in as little as 48 hours

What can agricultural finance pay for?

Regardless of your circumstances, agricultural finance can cover:

  • Combine harvesters
  • Milking parlours
  • Cultivators
  • Hay balers
  • Tractors
  • Diversification Projects
  • Vehicles
  • Trucks and trailers
  • Livestock
  • Land purchase and expansion
  • Barns and silos
  • Working capital
  • Debt consolidation
  • And more


Have Questions? Let’s Talk.

Call us today to get help securing agricultural finance. In addition, we would be happy to provide you with more information about our services. Call us on 0800 066 3677 or email us to get the ball rolling. Alternatively, if you’d like to get your finance approved today just click on the quote button, complete the short form and we’ll be in touch.

Matt Whiteman

I do hope you find this page useful

If you want my team at First Oak Capital to help you arrange finance, just book a call.


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