Agricultural Cashflow Loans

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Funding options


Supporting Your Business

  • Flexible funding
  • Large-scale loans secured on property
  • Smaller loans on an unsecured basis
  • Simple predictable monthly repayments

Designed Around Your Needs

  • Can be arranged fast
  • Can be structured to support your business plans
  • Flexible repayments
  • Tailored around your cashflow
  • An adverse credit history need not be a problem


  • Repayment and interest-only available
  • Deal with cash issues
  • Restructure your business
  • Refinance or acquire new assets

Talk to Rangewell - the business finance experts

Cashflow can cause problems for farmers. At Rangewell we can search the market for solutions to cashflow issues.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

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Farms can face cashflow problems like any other business - but the problem can be worse because of the way the industry works with income only available at harvest time. Farm Cashflow Funding can help

Table of Contents

Cashflow is the lifeblood in any business. When it dries up, wages, suppliers and existing financial agreements can all become impossible burdens.

You need a flow of cash to keep in business until the harvest brings in the real income that your business depends on.

Sensible budgeting can help cashflow - but the problem is that the farming business is unpredictable. While one year might produce bumper crops, the next might be a total failure. There may be disease that shuts down livestock movements. The markets may become challenging, and a profitable crop might become hardly worth the cost of harvesting if there is a downturn in produce prices.

It means that finding that your farm is facing a cashflow crisis is all too common an experience. 

Being prudent is not enough. Putting cash aside in good years can provide a buffer against a downturn in income - but a series of bad years can wipe out any reserve stashed in the bank, while workers, fuel, seeds and supplies will all still need to be paid for.

In some cases, the problem with cash flow can be so severe that your business could go to the wall. Cashflow Funding can be the solution.

Cashflow Funding can pay for: 

  • Workers wages
  • Suppliers bills
  • Consumables - diesel
  • Scheduled repayments for existing financial agreements
  • Farm and land rental
  • Feed

In many industries, Cashflow Funding can be provided as a short-term advance against future orders. Funding can be provided for a few months while the business picks itself up.

The agricultural industry has a greater challenge - because income is dependent on the harvest, which can be six months or more in the future and which cannot be counted on to provide the sums required. The risk may be too great for many conventional lenders, or for conventional Cashflow Loans.  However, a solution does exist, in the form of a Bridging Loan.

What is a Bridging Loan?

Bridging Loans are large-scale, short-term loans. They are so-called because they “bridge the gap” in funding needs for the short term until your cashflow picks up with a harvest brought in, and you are ready to repay the lender.

Bridging Finance is usually secured on property. It is frequently used to buy the property it is secured on, but it can also be used to raise funds  - by providing a loan secured on property you already own. Some lenders will accept a second charge security, meaning that the loan you take out can be against a property which is already under a finance arrangement such as a mortgage.

This provides a cost-effective solution when you need to raise cash for virtually any short term purpose. 

It can also be arranged quickly - essential when your cash flow problem is urgent. Unlike high street banks and traditional solutions for Secured Lending, bridging lenders can process an application and provide approval and cash ready to draw down in a very short space of time - often less than a week, and sometimes in as little as 48 hours.

If you have a cash flow crisis, the speed with which a Bridging Loan can be provided can make it a lifeline.

How much will a bridge cost?

Costs may be relatively high compared with long-term lending such as a mortgage - although there are several factors that will influence the cost of a Bridging Loan, including your “exit strategy”. This is how you intend to repay your loan. Bridging providers will work with you to ensure that your strategy is viable.

So you could, for example, raise funding on a farmhouse to bring the cash you need to keep the business afloat. Once you have received the cash, you could take your time to arrange a remortgage of the property, which will allow you to pay off the bridge. Alternatively, you could also simply repay when you are liquid after your harvest.

Bridging Loans can be flexible, which makes them suitable for changing circumstances.

Why you need Rangewell to set up a Farm Cashflow Loan

Bridging Loans are designed to be set up fast, to let you deal with urgent funding needs. It is essential to get expert help to get the deal that is right for you. 

At Rangewell, we can help you find the most competitive deal for the loan you want. We can also help farmers to find a wide range of funding options for their farm, from specialist equipment finance to finance to restructure a farm.

Not only can out knowledge support you to secure the funding you need - it can save you a great deal of cash.

Remember, Bridging Loans are built for short-term use. We not only have the expertise to help you use them as a tactical source of funding for the short term, but we can also work to find the most competitive source of long-term funding to replace them.

Our knowledge of funding solutions for the property sector can be an important asset for your business. Call us to find out more.


  • Find a Bridging Finance deal to let a farmer support his cashflow

  • Source funding to allow a farm to say in business   

  • Found a lender to fund an arable farm after a failed harvest

  • Find the most competitive funding for a farm already subject to intergenerational mortgage agreements

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • Keep your farm afloat
    Bridging can provide solutions to allow a farm to weather a cashflow problem.
  • Short-term funding
    Bridge Loans can be the most cost-effective way to raise large sums for the short term.
  • Funding for any purpose
    Securing funds on your land can help you raise cash for feed, purchase or any other kind of funding need.
  • Deal with all your expenses
    Wages, existing finance costs, fuel and supplies will all cost money. Cashflow Finance can them all.
  • Fast applications
    Lenders will look at your credit profile alongside the value of the asset in question and your exit strategy, so they can make a decision quickly.
  • A single repayment
    In many cases, all fees, interest and charges can be rolled up into a single repayment made at the end of the loan term, when an alternative fund source has been arranged.

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