Commercial Bridging Loans for Farms
Short-term funding secured on farmland, buildings or property when a purchase, sale or refinance needs to complete before longer-term finance is in place. At DNA Finance we work with specialist agricultural lenders that understand the industry. We are a broker, not a lender: we handle the application by telephone and manage the process on your behalf.
When is bridging used?
- Buying neighbouring land or a farm at auction
- Completing a purchase before an existing sale goes through
- Raising capital while a longer-term mortgage is arranged
- Funding barn conversions or diversification works before refinance
- Settling time-critical debts or tax liabilities
- Terms from 3 months to 5 years with flexible exit routes
Who can we help?
- Farmers and landowners with property or land to offer as security
- Buyers who need certainty for an auction or private sale
- Farms mid-way through a refinance or restructuring
- Borrowers with bad credit history or existing large debts, considered on their merits
- Diversification projects with a clear refinance or sale exit
How much can you borrow?
£10,000 to £5 million
Bridging is secured on land or property, so the amount depends on the value of the security and the loan-to-value the lender is comfortable with. A clear, realistic exit is essential. Terms run from 3 months to 5 years.
How quickly can funding be arranged?
Decisions in principle typically within 24 hours
An initial decision in principle is typically given within 24 hours of a telephone conversation, subject to assessment. Completion depends on valuation and legal work, so property-backed bridging usually takes longer than machinery finance. Your adviser will set out a realistic timetable before you commit.
What do lenders look for?
Knowing what underwriters weigh up lets us present your case properly the first time, which means faster decisions and better terms.
- 01The value and type of land or property offered as security
- 02Your exit route: sale, refinance or income
- 03Farm accounts, trading history and seasonal cash-flow pattern
- 04Any subsidy, grant or contract income supporting repayments
- 05Existing borrowing and overall affordability, including larger debts
Commercial Bridging Loans questions
Get a Farm Bridging Quote
Tell us a little about your farm and requirement. We'll discuss commercial bridging loans options with our specialist agricultural lenders and come back to you with clear terms. No obligation, no impact on your credit score.
- Specialist agricultural lenders
- Simple telephone application
- Bad credit and existing debts considered
- No obligation quote
