Our lending criteria

For more than 90 years, we’ve been supporting farmers and rural businesses like yours. With that experience comes a knowledge that the agricultural sector is different to other industries.

That’s why our Standard Loan has been developed specifically to help farmers or rural businesses linked to agriculture, to access funds to support consolidation, diversification or growth.

It’s also why we ensure farmers or rural businesses linked to agriculture can access the funds they need to support consolidation, diversification or growth.

Lending to you

We are happy to consider lending for most purposes connected to a farming or rural business. This could be:

• Helping support your cash flow during the seasonal ebbs and flows.
• Purchasing buildings, stock or equipment to support your plans.
• Investing in new projects to enhance your business.
• Buying your farm tenancy.

Lending in action

Across Britain, we’ve lent to a wide range of farmers and businesses to support a variety of different ambitions. These include:

• Award-winning craft cider producer, Newton Court Farm expands its operations and launches a brand-new visitor centre.
  Read more about Newton Court Farm

• Powys-based meat producer, turns its fortunes around all without lessening its commitment to sustainable farming practices.
  Read more about Graig Farm

Funding to non-rural businesses

Funding to non-rural businesses. Our loans have been designed specifically for farmers and rural businesses such as equestrian centres, and we can only approve applications linked to the sector.

We would therefore not be able to provide funding for investments such as expanding a residential farmhouse that was not directly linked to a farming business.

As part of Lloyds Banking Group, however, we’d be happy to introduce you to Lloyds Bank, Bank of Scotland or Halifax who are also part of the organisation. They may have the right funding solution for you, supported by access to guidance to help support your plans.

Contact our team

We have specialist staff who work only in the agricultural sector. They’ll work with you to help find the right funding for your needs, as well as providing guidance to help support your plans.