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For farmers across the UK, the future is being shaped by bold decisions and smart financial planning. Whether it’s breaking ground on major infrastructure projects or unlocking working capital from existing assets, making the right funding choices has never been more important.
We’ve partnered with PX Farms and James Peck to bring you honest conversations. These videos go into the heart of what it really takes to fund growth, manage risk, and build a resilient farming business in today’s economic climate.
From infrastructure finance and grant alternatives to asset refinancing and cash flow-focused lending, each video offers practical insights, honest experiences, and actionable strategies.
If you’re looking to drive your farm forward, these discussions are well worth watching.
Unlocking Your Farm’s True Potential: A Financial Masterclass with PX Farms
Is your current financing structure supporting your farm’s growth ambitions? This video offers a practical look at how smarter financial planning can help you get more from your existing assets.
Join James Peck, Managing Director of PX Farms, for an open and honest conversation with Tom Perkins, Co-Founder and Director of Charles & Dean. Together, they pull back the curtain on the world of modern agricultural finance, sharing the finance insights that can help you unlock new levels of growth, efficiency, and stability for your agri business.
This Video Is Worth a Watch If…
This is an essential guide for anyone who feels their high street bank doesn't fully grasp the unique demands and opportunities of their farming business. The video explores the significant advantages of using a specialist broker to access a panel of lenders. Discover how specialist funders, who truly understand agriculture, can offer more flexible, bespoke solutions than traditional institutions often can.
🚜 You Need to Fund a New Project Without Taking on New Debt
Looking to fund a new building or diversification project? One option is to make use of the value already tied up in your existing machinery. This video explores how asset refinancing works - a practical approach that allows you to release equity from unencumbered equipment such as tractors, combines, or sprayers. It’s a way to unlock capital without increasing debt, offering greater flexibility to invest in your farm’s future.
🚜 You Are a New Entrant or First-Generation Farmer
Starting a farming business from the ground up presents unique financial hurdles. This video offers practical guidance and encouragement for new-start farmers. The discussion covers how it’s possible to secure finance even without a long trading history, highlighting how lenders can fund assets based on the strength of your business plan and secured contracts. It’s an encouraging message for the next generation of UK farmers looking to take their first steps or expand their ambitions.
🚜 Your Cash Flow Demands a More Flexible Repayment Structure
The rigid, calendar-monthly repayment schedule of a standard loan simply doesn’t suit most farming businesses. This video presents the solution: finance that is structured around your farm’s actual cash flow. Learn about the benefits of seasonal or structured repayment plans that align payments with your key income periods, such as after harvest or upon receipt of subsidies. This strategic approach can transform your cash flow management and reduce financial pressure during quieter months.
Beyond the Blueprint: How PX Farms is Financing a More Efficient Future
At PX Farms Ltd, long-term thinking is shaping the landscape. In their latest update, the team shares the development of a purpose-built spray shed and major yard infrastructure — investments designed to improve efficiency for years to come.
But turning plans into progress takes more than vision. In this video, James (PX Farms) joins Tom (Charles & Dean) to talk through the financial strategy behind the build. It’s a candid conversation about funding large-scale upgrades, navigating rising costs, and making decisions that support a resilient, modern farming business.
This Video Could Be Helpful If…
If you’re considering a new grain store, a machinery shed, or significant groundwork, this video is key for your viewing. It explores beyond machinery finance and tackles the complexities of funding high-value, long-term infrastructure. You’ll learn about the different financial products available for these large-scale projects, and see a real-world example of how a carefully structured financial plan can make a critical operational upgrade achievable and affordable.
🌾 You Are Frustrated with the Pace of Government Grants
🌾 You Need a Trusted Finance Partner Who Understands the Full Scope of Risk in Farming
Effective finance is about more than simply purchasing assets. This discussion explores how to manage the wider financial risks that impact a farm's profitability, including practical strategies like forward-buying fuel to hedge against volatile energy markets. If you’re seeking a financial partner who takes a comprehensive view of your whole business’s picture, from cash flow and capital investment to proactive risk management, this conversation will demonstrate the value of that holistic approach.
Ready to unlock your farm's potential? Schedule a no-obligation call directly with a Charles & Dean agricultural Finance Specialist today.
Written by
Tom Perkins
