Bridging Loans for farmers

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Funding options


Versatile Funding

  • Flexible funding secured on property
  • Use for any purpose on your farm
  • Auction Finance
  • Acquire additional land

Designed Around Your Needs

  • Can be part of 'jigsaw' Funding designed around your needs
  • Monthly, quarterly and annual repayments
  • Tailored around your cashflow
  • An adverse credit history need not be a problem

Flexible Arrangements

  • Repayment and interest-only available
  • Roll up repayments
  • Buildings as well as land
  • Refinance or acquire property assets

Talk to Rangewell - the business finance experts

The agricultural sector needs new sources of funding. At Rangewell we can help provide it with Bridging Loans designed around your needs.

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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The agricultural sector currently faces many challenges. One solution is to grow and create economies of scale. Bridging Loans can provide the necessary funding to support that growth

Table of Contents

FGreater investment can help farmers generate greater profits. Arable farms can expand their acreage or invest in new equipment. Pastoral farms invest in new accommodation for livestock. All farmers can invest in new technology from tractors with GPS to biofuel.

Growing a farm business can mean economies of scale. But many farmers find banks are slow to approve finance for agricultural borrowing.

The solutions can be found with Bridging Finance, which offers farmers the funding they need as they need it.

What is a Bridging Loan?

Bridging Loans are large-scale, short-term loans which can be set up fast. They can be used to seize an opportunity before a long-term source of funding can be arranged. They are so-called because they “bridge the gap” until longer-term finances can be put in place.

A farmer could take out a Bridge Loan to buy land at auction, or when a quick sale is required. He or she could then take their time to arrange a mortgage which would repay the Bridging Loan. A mortgage may simply take too long to arrange when there is a bargain to be had.

Bridging Finance is secured on property. It is most often used to buy the property it is secured on, but it can also be used to raise funds on property that is already owned, providing a cost-effective solution for raising short-term cash for virtually any need.  

Why Use Bridging Finance in Agriculture?

Bridging Finance can be ideal for farmers who require a high level of funding, but who will inevitably face fluctuation income thanks to the weather and the markets.

It has several advantages:

  • Fast - Bridging can be arranged in days
  • Flexible - loans can be tailored. Terms can be extended, interest rolled up repayment schedule planned on an individual basis 
  • Versatile - loans can be used for any purpose from buying land to building a robot milking parlour
  • Scale - Bridging Loans are available from as little as £10,000, up to £millions

Bridging Finance can be secured against nearly any asset, although property is most often used. Some lenders will accept a second charge security, meaning that the loan can be against a property which is already under finance such as a mortgage.

It can also be fast. Unlike high street banks, Bridging Lenders can turn a loan from application to approval in a very short space of time - often less than a week, and sometimes in as little as 48 hours.

How much will a bridge cost?

The cost of Bridging Finance reflects the scale of lending that is required and are usually a short-term funding solution.

Several factors will influence the cost, including the “exit strategy” - how the borrower intends to repay the loan.

So, for example, a farmer may raise funding on his farmhouse to buy additional productive acreage at an auction. Once he has secured the land, he can arrange a mortgage, or use future profits as an exit strategy. Bridging providers will work flexibly with their customers to determine whether their exit strategy is viable.

In addition to a monthly interest cost, lenders may charge a lender arrangement fee – a fee for setting up the loan.

All costs for finance will be pre-agreed when the loan is set up.

Why you need Rangewell to set up a Bridge

Bridging Loans are intended to let you deal with urgent funding needs, or to take advantage of business opportunities that have to be dealt with fast.

With help from the property funding experts at Rangewell, all bridging loans can be set up within a matter of hours, and funds released in as little as 72 hours.

What’s more, we can help you find the most competitive deal for the loan you want.

Our knowledge can not only help you secure the funding you need for your development project - it can save you a great deal of cash. We can even help you with re-bridging an existing bridging loan.

Bridging Loans are only usually designed 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 work to find the most competitive source of long-term funding to replace them.

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

Other types of agriculture finance include:

Plus many more. 


  • Find a Bridging Finance deal to let a farmer secure a parcel of productive land adjacent to his existing farm

  • Source funding to allow a farm to buy harvest machinery at auction  

  • Found a lender to create a package of short-term funding to buy a number of plots at auction

  • Find the most competitive funding to buy agricultural buildings

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

  • Buy land at auction
    Bridging can provide cost-effective solutions to buy land at auction.
  • 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 the funding on your land can actually help you to raise cash for use elsewhere in your business.
  • For development
    Land bridges are a funding solution for development projects which can be refinanced at a higher value once work is completed.
  • Fast application
    Bridging providers will look at, amongst other things, your credit profile, value of the asset you're looking to secure funds on, and your exit strategy in order to make a decision in the shortest possible time.
  • A single repayment
    In most 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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