Farm Bridging Loans
Farm Bridging Loans – At a Glance
- Specialist brokers in farm bridging finance and short-term rural loans across the UK.
- Established in 2000, with decades of hands-on experience.
- Finance available for farms, smallholdings, land, and rural properties of all sizes.
- Funding for any legal purpose, including debt consolidation, overdraft repayment, diversification, renovation, working capital and development.
- Independent access to flexible lenders who consider all income sources, including projected income.
- Loan terms from 3 months up to 5 years, with options for rolled-up interest to ease cash flow.
- Support available even where traditional banks say no or relationships are strained.
- Coverage across England, Wales and Scotland, with a funder in Northern Ireland.
Call us today for expert help and a free consultation on your farm bridging loan options.
Bridging loan for a farm
If you have a property to sell and one to buy, or need to acquire a farm quickly, a bridging loan may be the right solution. Farm bridging loans are also useful if you want to regain control of the sale of property you already own. Whatever the case, choosing the right intermediary is essential.
Farm & Country Finance has been successfully arranging farm bridging loans for many years. Our success comes from strong lender relationships and the experience to deliver, no matter what challenges arise.
What is a farm bridging loan?
A farm bridging loan is a short-term arrangement secured by a first or second legal charge on property in the UK.
- Repayment options: interest can be paid monthly, or in some cases rolled up and repaid at the end of the term, helping with cash flow.
- Loan terms: available from 6 months up to 5 years, giving flexibility to plan repayment.
- Extended options: loans can run indefinitely provided interest is paid each month.
Other terms you may hear
- Farm bridging finance.
- Bridging loan for buying a farm.
- Bridging loans for farms.
- Short-term farming loan.
Key points
- Used to refinance or buy farm property.
- Can raise capital for any legal purpose, including buildings, stables, diversification, renovation and working capital.
- Lenders consider all income sources, including projected income or cases with no proof of income.
- Specialist lenders are often more flexible than banks.
- Useful in challenging circumstances, such as replacing bank debt or avoiding receivership.
- We consider all cases, including those with arrears, judgments or creditor issues.
Why use Farm & Country Finance?
- One of the UK’s most reputable sources of farm bridging finance.
- Independent, hands-on and experienced.
- Legal knowledge to assist with complex cases.
- Personal guidance throughout the application process.
- Expertise to help you avoid pitfalls, bridging finance can be easy to enter but harder to exit without the right broker.
Other things to consider
- Experience: established in 2000, with decades of success in farm bridging finance.
- Customer satisfaction: testimonials available at farmandcountryfinance.co.uk/client-testimonials.
- Professionalism: backed by qualifications.
- Confidence: we are the natural choice to arrange your farm bridging loan.
Call us today to discuss your farm bridging loan options, we’ll bend over backwards to help.
Frequently asked questions
Is getting a bridging loan for a farm 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’s 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 short-term farm bridging finance to clear overdrafts.
How hard is it to get farm bridging finance?
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.
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 today, share your aspirations, and we’ll work tirelessly to help.
Other types of finance we arrange
- Low-rate farm finance.
- Agricultural finance and mortgages.
- Farm mortgages and farm remortgages.
- Rural loans and rural property finance.
- Land loans and mortgages for land.
