Agricultural Finance
Agricultural/Commercial Loans
Farming businesses are dynamic and financing needs can arise for a variety of reasons. When they do, it’s important you can access funding that suits your requirements and commercial/agricultural loans can be a great option.
These term loans can come in a variety of forms, such as secured against property or chattels for larger loans or unsecured for quick access to cash. These facilities can be used for a range of purposes required on a farm – a few of which we have listed below.
- Investment & Diversification
- Rural Industry (e.g. Leisure)
- Renewable & Green Energy/ Technology
- Working Capital
- Expansion/Growth Plans
Asset Finance
Asset financing can be a key source of funding for farming businesses. By their nature, farms often need to purchase equipment and machinery, such as tractors, combine harvesters or milking parlours.
There are a variety of ways to finance these purchases such as via hire-purchase, finance lease or operating lease. These methods allow a farm to gain access to the assets from day one without paying the full purchase price up front.
Clever Commercial can help in sourcing funding for a wide range of agricultural assets, examples of which are noted below:
- Tractors
- Trailers
- Combine harvesters
- Telehandlers
- Haylage & Forage
- Forestry harvester
- Pallet and packaging assets
- Renewables & Solar panels
- Forwarders
- Balers
- Agricultural attachments
- Grounds maintenance (e.g. ride on mowers)
- Milking parlours and robots
- Excavators
Asset Refinance
Asset refinancing is an alternative method of raising finance against the value of assets already owned by a business, whilst allowing them to retain control of the asset so that it can be used for day-to-day business activities.
This is distinct from asset financing which allows businesses to gain access and use of an asset not currently owned by the business.
The agreement would work in a similar fashion to a HP/lease agreement in that the lender would take ownership of the assets (i.e. you sell the asset to them) and the borrower would agree to pay them monthly instalments (i.e. they ‘lease’ it back). Once the term ends and all the monthly instalments have been paid, the ownership would transfer back to the farming business.
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OUR CLIENTS THOUGHTS
RECENT TESTIMONIALS
Marc worked over many months to help me find the right financial product to suit my complicated refinancing project. Having identified the right product, Marc then worked for many more months to help me get the financing completed. I had so many issues that I had to face and at every obstacle Marc was on hand to help me to resolve it, and very often took it upon himself to do it for me. Marc went for beyond just brokering a good deal for me, he was my partner in making this happen. I could not have done this without his support. Thank you Marc for being so calm and patient and having faith when I had lost mine!
I. Knight
Marc has provided our company with excellent service and advice. He has vast experience and knowledge, and is able to advice on the most suitable lenders given our requirements.
Especially during the legal stage of the lending process, he facilitates and communicates with lenders in a way we would not be able to ourselves.
We would certainly not be where we are without his services. Highly recommended.
M. Dunn
The service provided for my bridging loan was second to none. The support I received was very professional and generous.
I would highly recommend Clever Commercial to everyone and anyone who needs a professional, caring and competitive rate for it’s loan or any kind of finance.
D. Dezfull
Marc has provided our company with excellent service and advice. He has vast experience and knowledge, and is able to advice on the most suitable lenders given our requirements. Especially during the legal stage of the lending process, he facilitates and communicates with lenders in a way we would not be able to ourselves. We would certainly not be where we are without his services. Highly recommended.
P. Strøm