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Farm finance products

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Opportunity finance

Designed specifically for the agricultural sector, Agricultural Opportunity Finance offers secured short term lending for between 6 and 12 months. This product provides you a straightforward method to raise finance quickly against securable, agricultural land and buildings. With opportunity finance you can take advantage of opportunities that present themselves, improve business prospects, increase profitability or address urgent temporary financial requirements.

We will consider loans from £35,000 up to a maximum of £3,000,000 per customer at up to 65% gross loan to value - and the interest is rolled up for the loan period, so you make no interest payments for the term of the loan. From the outset we will discuss and agree a clear loan redemption strategy with you.

We offer a free phone consultation with no up-front fees. There are two principal questions you need to be able to answer - "Do you have land and property assets with which to secure the loan?" and "Do you have a clear exit route to redeem the loan?" If the answer is "Yes" to both, we can offer you a verbal indication as to whether we can assist during your first call and a written lending decision in principle within one working day. Thereafter, fast underwriting and fast access to funds are the order of the day.

Medium term fixed rate finance

Medium term fixed rate finance funds are available on a three or five year term and the interest cost of the loan is fixed for the term. Our current criteria will allow gross loans of up to 65% of valuation. Whilst interest is payable monthly, loan capital is only repayable at the end of the term, so this gives you the maximum opportunity to really have your farm business running well, before moving on to conventional high street finance sources where capital and interest repayments are normally a prerequisite of a loan.

Herd and Input Finance - Livestock

See our dedicated website for more information:

www.herdandinputfinance.com

You choose what livestock you need and how long you want to defer payment for (up to 12 months). The invoice for the livestock will include a charge for the deferred payment period. Payment from you will be due at the end of the deferred period or on the sale of the livestock. In both cases it is the sooner of the total deferred period or the sale which is the point at which you are expected to make the payment.

Farmers are underwritten for an overall deferred scheme limit and they can then use this as a rolling facility as they buy (or sell) livestock through the scheme. Security is taken against the farmers single farm payment and the livestock purchased - so the scheme is suitable for tenants farmers as well as freehold farmers. In some cases a charge on your property or a security over your existing livestock may be required. We offer another version of this product to increase your dairy herd. In this instance repayment is in 24 equal monthly instalments secured against your milk cheque.

Herd and Input Finance - Inputs

See our dedicated website for more information:

www.herdandinputfinance.com

Other than livestock, our most common requests from farmers are for seed, fertiliser and crop protection materials (but let us know if you need to purchase something else!) Decide how long you want to defer payment for (up to 12 months) and the invoice for the inputs will include a charge for the deferred payment period. Payment from you will be due at the end of the deferred period or on the sale of the crop. In both cases it is the sooner of the total deferred period or the sale which is the point at which you are expected to make the payment.

Farmers are underwritten for an overall deferred scheme limit and they can then use this as a rolling facility as they buy supplies through the scheme. Security is taken against the farmers single farm payment and any forward sales contracts on the crop(s) - so the scheme is suitable for tenant farmers as well as freehold farmers. In some cases a charge on your property or a security over your existing livestock may be required.

Sale and Leaseback

Specifically designed for farmers, whether arable, dairy or livestock, Sale and Leaseback Farming offers an innovative approach if you are considering releasing the capital locked up in your farmland.

We will arrange for your farmland (excluding your farmhouse and a small curtilage of land) to be purchased from you at 80% of its current value but we give you the legal option to repurchase the farmland in three years time on the same terms, but using values current at the time you exercise your option.* As part of the arrangements you will be granted a three year Farm Business Tenancy Agreement to continue working the farm.

The three year term will allow you time to build up a serviceability history with which to approach new lenders, should you need to obtain finance to repurchase the farmland at the end of the term.

External non- farm secured finance

Increasingly, particularly as more farms diversify, we are able to raise finance on non- farming assets via conventional funders - buy to lets feature regularly on farm buildings converted to rentable properties, for example.

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UK Farm Finance Ltd (Company No 6474912

Registered offices of the above companies: Acorn House, Hoopers Close, Highbridge, Somerset TA9 4JT