Turkeys in a field.

Agricultural input finance

Plan ahead without the worries of cashflow

The unpredictability of agricultural life makes it hard to avoid the ups and downs of business cashflow. Our agricultural input finance could ease any cashflow challenges by providing a temporary cash injection of up to £500,000, just when you need it.

Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on your loan.

Key features and benefits

How it works

A flexible1 facility of up to £500,000, that could help you finance growing crops and rearing livestock, from the initial purchase to essentials such as feed or fuel. You could also use it to cover the cost of crop insurance or pay for irrigation expenses. You repay the loan with the proceeds from the sale of your finished produce.

You can choose from short- or longer-term, the main difference being the repayment options.


A loan period of 12-24 months with an agreed loan limit, within which you can withdraw funds to suit your business. You can choose the interest rate and repayment terms that best suit your needs.

  • Either a fixed interest rate or a variable rate that tracks the Bank of England Bank Rate2
  • Fix the interest rate from 1 to 2 years
  • Switch from a variable rate to a fixed rate, subject to agreement
  • Flexible contractual terms – the period of time that we agree to lend for
  • Flexible repayment terms1 – the period over which you repay the loan
  • An interest-only period (capital-repayment holiday), subject to approval

A few things to consider:

  • The length of the loan term can impact the interest rate you pay
  • If you repay all or part of the loan early, a prepayment fee may be payable and interest payable over the loan term will be higher
  • The business property and/or land may be needed as security for the loan
  • Lending fees and associated borrowing costs will apply
  • If you decide to cancel a fixed interest rate, you may have to pay breakage costs


A loan period of up to 12 months with an agreed finance limit, within which you can withdraw funds to suit your business. Interest rates are variable and track the Bank of England Bank Rate2.


Your business must be within the agricultural sector. Agricultural input finance loans are subject to application and status.

You should speak with an independent financial adviser if you need advice on whether agricultural input finance is suitable for your business.

How to apply

How to apply

To find out more, or if you want to apply for agricultural input finance, speak to your local Agricultural Manager.

Don't bank with us yet?

Call us on 0800 515 462. Lines are open Monday to Friday, 8am to 7pm3.

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A lone chicken surrounded by grass in a field

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