Bridging Loans for Agricultural Businesses
Agricultural businesses face unique timing pressures. Land comes to market infrequently and competition is fierce. Bridging loans let farming businesses act quickly to secure adjacent land, fund barn conversions under permitted development, or finance diversification projects like glamping sites or farm shops.
Agricultural bridging is a specialist area. Lenders who understand the sector will consider farmland, agricultural buildings, and rural property as security. Exit routes include refinancing to an agricultural mortgage, grant funding completion, or sale of converted property.
Key Benefits
- Secure farmland quickly when it comes to market
- Fund barn conversions under permitted development rights
- Finance diversification projects (farm shops, glamping, events)
- Specialist lenders who understand agricultural assets
Frequently Asked Questions
Will lenders accept farmland as security?
Yes, specialist agricultural lenders will accept farmland, farm buildings, and rural property. Valuations are based on agricultural value, though development potential (e.g. barn conversion) may increase the lending amount.
Can I use a bridging loan to buy land at auction?
Yes. This is a common use case. Bridging can complete within the 28-day auction deadline, giving you time to arrange longer-term agricultural finance afterward.
Are there grants I can use as an exit strategy?
Potentially. Countryside Stewardship, Farming Equipment and Technology Fund, and other DEFRA grants can be part of your exit plan, though lenders will want confirmation of eligibility.
What LTV is available on agricultural property?
Typically 60-70% LTV on agricultural land and buildings. Higher LTVs may be available where there is clear development or conversion potential.
Bridging Loans calculator
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Monthly interest
£2,125
Total interest
£25,500
LTV
56%
Rolled-up cost
£25,500
Illustrative estimate only, not a quote or financial advice. A broker will confirm exact terms based on your circumstances and lender appetite.
Related Funding Options
Bridging Loans UK
Bridging finance for UK businesses. Loans from £50k to £25M, with simple first-charge cases completing in 5 to 7 working days, and complex cases in 10 to 21 days. Compare rates from 50+ lenders.
Asset Finance for Agricultural Businesses
Finance tractors, harvesters, irrigation systems, and farm equipment. Specialist asset finance for UK farms and agricultural businesses.
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Get matched with lendersCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.