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Agriculture Business Finance

At Charles & Dean, we understand the exciting opportunities in the agricultural sector and are committed to fuelling your success. Our flexible, bespoke finance solutions empower your agri business to grow, invest in new opportunities, and drive long-term prosperity.

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"I am delighted that Charles & Dean sees a future in agriculture and supports a business like ours."

James Peck

P.X. Farms

The Charles & Dean Difference

Transforming Challenges into Growth Opportunities

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Access to Flexible
Farm Financing

Traditional loans often don’t align with agriculture’s cyclical nature. We create customised finance packages that match your business cycles and long-term goals.

Farm
Diversification

Looking to diversify into renewables or repurpose buildings? We provide tailored finance for projects like solar, helping future-proof your farm and unlock new income streams.

Debt Management & Refinancing

With shifting subsidies and industry challenges, managing debt is tough. We help refinance loans, unlock asset capital, and ease financial pressure.

Rising
Interest Rates

As borrowing costs rise, we connect you with competitive rates and terms to ensure financial stability and facilitate growth.

High Capital
Investment Needs

Farming often requires major investment in land, machinery, and equipment. Our bespoke funding solutions spread costs and preserve working capital.

Seasonal Cash Flow Fluctuations

Seasonal crops and market demand make financial planning tough. We offer flexible finance, including seasonal repayments, to maintain steady cash flow year-round.

Agriculture Finance Solutions

Business Finance - Agriculture - Hire Purchase

Asset Finance

Get the equipment or vehicles your farm needs without the upfront cost. Hire Purchase lets you spread payments and gain ownership, while Finance Lease preserves cash flow, providing flexibility and efficiency without tying up capital.

Business Finance - Agriculture - Refinance

Refinance & Equity Release

Unlock the value of your farm assets to fund investments or boost cash flow, capitalising on equity to seize growth opportunities.

Business Finance - Agriculture - Business Loan

Business Loans

Access tailored financing to navigate seasonal fluctuations or seize growth opportunities, ensuring your agri business thrives year-round.

Business Finance - Agriculture - Commercial Mortgage

Commercial Mortgages

Expand your farmland or invest in agricultural properties with competitive and tailored mortgage solutions.

Invoice Finance

Get paid upfront for outstanding invoices, helping you maintain liquidity during busy seasons.

Agriculture Business Finance at Charles & Dean: 3 Simple Steps

Understanding Your Agri Goals and Challenges

Skip the generic online calculators and speak to a specialist who understands the specific needs of the agriculture industry. We take the time to learn about your farm's goals, challenges, and seasonal cycles, so we can recommend funding options that best align with your ambitions.

Consultative Finance Solutions to Drive Your Farm Forward

We can quickly provide a tailored finance solution of up to £50 million, whether you're purchasing new farm equipment, refinancing assets, or improving cash flow. Our simple application process is fast and hassle-free, letting you focus on what matters – your business.

Smooth, Hassle-Free Funding for Your Farm’s Needs

Once you’ve agreed on the solution, our dedicated Sales and Operations teams work tirelessly to ensure a smooth transition from approval to funding. We collaborate with you, your suppliers, and funding partners to ensure everything runs smoothly, letting you put your finance to work right away.

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Tailored Loan Solutions

Every farm is unique, so we create customised funding plans aligned with your objectives. Whether investing in machinery, increasing livestock, or upgrading infrastructure, our experienced team provides a solution that fits your business and budget.

Market Expertise

With in-depth knowledge of agriculture and a broad panel of trusted lenders, we secure competitive rates and flexible terms tailored to farming’s seasonal and cyclical nature. We understand the pressures you face and provide finance options that support your farm’s success.

Simplified Process

We make securing agricultural funding simple and stress-free. From your initial consultation to receiving the funds, our dedicated team provides knowledgeable guidance every step of the way. We ensure a smooth process so you can focus on growing your farm.

FAQs

Your questions about Agriculture finance answered

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What types of agricultural finance products do you offer?

At Charles & Dean, we offer a wide range of agricultural finance products tailored to the unique needs of farmers and agribusinesses. Our solutions include farm equipment finance, livestock finance, land purchase loans, seasonal cash flow finance, farm vehicle finance, and renewable energy financing. Whether you're upgrading machinery, managing cash flow, or expanding your farm, we have a solution to suit your needs.

What types of assets can be funded?

Typical agricultural assets we can finance include:

Tractors & Self-Propelled Machinery
ATV & RTV
Grassland & Cultivation Machinery
Drilling & Planting EquipmentHarvest Machinery
Livestock Handling & Feeding Systems
Robotic Milking Systems
Grading Lines & Food
Processing Units
Bottling Plants & Irrigation Equipment
Farm Security Systems

How can I apply for agricultural finance through Charles & Dean?

Applying for agricultural finance is simple. Start by speaking with one of our finance specialists who will work with you to understand your farm’s requirements. We’ll then provide a tailored finance solution that aligns with your goals. The application process is straightforward, and our team will guide you every step of the way, from application to funding.

Can I get finance for both new and used farm equipment?

Yes, you can. Charles & Dean provides finance for both new and used farm equipment, including tractors, harvesters, and other machinery. Our equipment finance solutions allow you to acquire the necessary tools to keep your farm running smoothly without the need for large upfront payments.

Do you offer flexible repayment options for farm loans?

Yes, we understand that the agricultural sector is cyclical, and cash flow can fluctuate throughout the year. That’s why we offer flexible repayment options for our farm loans. We can structure repayments around your farm’s seasonal income, ensuring that your payments are manageable and in line with your cash flow.

How does seasonal cash flow finance work for my farm?

Seasonal cash flow finance is designed to help you manage the fluctuations in cash flow that are common in agriculture. Whether you need to bridge the gap between planting and harvesting or cover operating costs during slower periods, we offer flexible cash flow solutions that ensure you have access to funds when you need them most.

Is agricultural finance from Charles & Dean suitable for new farmers?

Absolutely. Whether you are a new farmer or an experienced agribusiness owner, Charles & Dean offers agricultural finance solutions for all stages of your farming journey. Our team will work closely with you to understand your farm’s unique requirements and provide tailored funding options to help you get started or grow your business.

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