Agricultural Bridging Loans
Farm & Country Finance for agricultural bridging loans and bridging loans for agriculture.
Choosing the right intermediary for an agricultural bridging loan is essential. Farm & Country Finance is one of the UK’s most reputable sources of agricultural bridging finance, with decades of experience arranging short-term loans for farmers and rural property owners.
Farm & Country Finance at a glance
- Specialist brokers in farm finance across the UK.
- Established in 2000, with decades of experience.
- Finance available for any rural property, including farms, smallholdings, land with or without buildings, equestrian properties, caravan parks, nurseries, garden centres and fisheries.
- Finance available for any legal purpose, including debt consolidation, overdraft repayment, refinancing, working capital, diversification and start-ups.
- Independent access to reliable and proven lenders, with personal, partner-led service.
- Solutions tailored for both short-term bridging finance and long-term mortgages (5–30 years).
- We cover England, Wales and Scotland, with a funder in Northern Ireland.
- Income from any source considered, including projected income.
- Flexible where existing bank relationships are strained or other difficulties.
- Call us today for expert help and a free consultation on your agricultural bridging loan options.
What is an Agricultural Bridging Loan?
An agricultural bridging loan is a short-term loan secured by a charge on agricultural property in the UK. Agricultural property includes any land or buildings used for farming or rural purposes.
When are Agricultural Bridging Loans useful?
- Buying a new agricultural property quickly.
- Managing the sale and purchase of properties at the same time.
- Regaining control of the sale of agricultural property you already own from receivers or banks.
How are Agricultural Bridging Loans repaid?
- Interest-only loans: monthly interest payments.
- Rolled-up interest: in some cases, interest can be added to the account and repaid at the end of the term, helping with cash flow.
- Repayment flexibility: all money owed is repaid by the end of the loan term, either by sale, refinance, or through other available cash that may be coming in.
Loan terms
- Available from 3 months to 60 months.
- Longer terms provide more time to plan repayment.
- In some cases, loans can run indefinitely provided interest is paid monthly.
Other terms you may hear
- Agricultural bridging loans and agricultural bridging finance.
- Bridging loan for agricultural property or land.
- Short-term agricultural loan.
- Bridging loan for property with agricultural restrictions.
Key points
- Used to refinance or buy agricultural property.
- Suitable for properties of all sizes.
- Can raise capital for any legal purpose, including buildings, debt repayment, diversification, renovation and working capital.
- Lenders consider all income sources, not just farm income.
- Some lenders accept projected income or no proof of income.
- Availability is key, specialist lenders are often more flexible than banks.
- Can replace bank debt in challenging circumstances, including strained relationships or receivership.
- We consider all cases, including those with arrears, judgments or creditor issues.
Why use Farm & Country Finance?
- Decades of experience arranging agricultural bridging loans.
- Strong lender relationships.
- Hands-on, personal service and guidance throughout the application process.
- Expertise to guide you through complex cases.
- Testimonials available at farmandcountryfinance.co.uk/client-testimonials.
Call us today to discuss your agricultural bridging loan options, we will bend over backwards to help.
Frequently asked questions
Is getting an agricultural bridging loan like getting a mortgage for a house?
The principle is the same, a lender takes a charge over property, but availability is far more limited. That is why specialist brokers are essential.
What if my existing lender is being difficult?
We consider all cases sympathetically and often step in when banking relationships are strained.
Can a bridging loan repay a bank overdraft?
Yes. We can arrange bridging finance to clear overdrafts.
How hard is it to get bridging finance for agriculture?
Not hard if you know where to go. We guide you to the right lenders and solutions.
Is bridging finance available if my accounts are behind?
Yes. Some lenders accept projected income or no proof of income, and others might roll up interest.
Can I get a loan if I have adverse credit?
We review all cases, and adverse credit is not necessarily a barrier.
What if the property has planning restrictions (agricultural tie, occupancy condition)?
Restrictions reduce property values and make lenders cautious, but they can also make properties more affordable. With over twenty years’ experience, we can advise on your options.
What do I do next?
Contact us, share your aspirations, and we’ll work tirelessly to help.
