Funding options built around farming cash-flows

Indicative rates from 6 % | Decisions typically within 2 working days

Rates and turnaround times are representative only and depend on individual circumstances. Regeno Agricultural Finance Ltd is not authorised or regulated by the Financial Conduct Authority (FCA) and does not provide credit or investment advice. See full disclaimer below. For UK business borrowers. Subject to status & credit approval.

The Gap We Fill

Grants delayed? Equipment upgrade overdue?

When public schemes pause or don’t cover the full cost, many farm projects stall. Regeno connects you to specialist finance providers who understand seasonal income and regenerative practices—so you can keep moving.

For UK business borrowers. Subject to status & credit approval.

Why Consider a Higher Rate?

Potential Benefit With a Regeno Partner Typical High-Street Route
Decision speed ✅Decisions usually within 48 h1 🕒4–6 weeks of paperwork
Security ✅Funding can often be offered without land charges 🔒Asset-backed facilities common
Seasonal payments ✅Repayment calendars can align with harvest windows 💸Fixed monthly payments
Grant bridging ✅Option to align with future SFI-style income ❌Not generally available
Visibility ✅“Support This Farm” map listing boosts local goodwill ❌Not provided
Relationship value ✅RegenScore can unlock better future terms ❌Terms reset each application

¹ Timing is illustrative. Actual turnaround depends on completeness of documentation and lender assessment.


Source: Typical SME lending terms published on Barclays, NatWest, and HSBC websites (April 2025).

“The Regeno team demystified the whole process. Within a week we had a clear view of £50k in funding that matched our next planting cycle.”


— Mixed-enterprise farm, North Yorkshire

(Testimonial reflects one client’s experience; results will vary.)

Regeno’s Example Service Bundles

Essentials

6%

Indicative cost of funds

  • Eligibility check in ~15 min

  • Finance partner shortlist within 48 h

  • Seasonal repayment structures where available

  • Listing on Back My Farm public map²

For UK business borrowers. Subject to status & credit approval.

Growth

8%

Indicative cost of funds

  • Everything in Essential, plus:

  • 1-to-1 agronomy / transition mentor

  • RegenScore audit → may improve future pricing³

  • Optional evidence support for carbon/biodiversity claims

For UK business borrowers. Subject to status & credit approval.

Plus

10%

Indicative cost of funds

  • Essentials + Growth, plus:

  • Access to SFI-style “top-up” capital⁴

  • Guidance on farm open days & community events

  • Investor-ready compliance pack (SFI, carbon, ESG)

For UK business borrowers. Subject to status & credit approval.

² Back My Farm – opt-in map that helps consumers and local partners discover farms taking nature-positive steps.
³ RegenScore – simple scoring framework tracking your regenerative progress; higher scores can signal lower risk to lenders.
⁴ SFI Top-Up – private capital aligned to SFI priorities; not affiliated with DEFRA and subject to separate approval.

 FAQs

  • No. Regeno introduces you to third-party finance providers. We are not a lender and do not give financial advice.

  • Using private finance usually has no impact on your eligibility, but always confirm with your adviser or accountant.

  • Basic farm financials, recent management accounts and an outline of your intended spend.

  • There is no obligation to accept any offer. You’re free to pause or exit at any time before signing lender documents.

  • As a member of Farm Data Principles, we follow UK GDPR guidelines and share your details only with finance partners you have selected.

Disclaimer
Regeno Agricultural Finance Ltd. provides information and introduction services only and is not authorised or regulated by the Financial Conduct Authority. Nothing on this page constitutes financial, investment, or legal advice. Finance is offered solely to UK businesses by third-party lenders; availability, rates and terms are subject to credit assessment and may require security. Past performance or testimonials are not a guarantee of future results. Independent professional advice should be sought before committing to any finance. Borrow £50 000 over 18 months at 8 % p.a. Fixed interest £6 000. Total repayable £56 000. Arrangement fee £0. Representative APR 8 %.