Tenant Farmer Finance
Tenant farmers are welcome. Not owning your land should not stop you investing in machinery, stock and the future of the farm, and our specialist lenders lend on the strength of your business rather than your deeds. 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.
What can be financed?
- Tractors, combines and machinery
- Livestock and breeding stock
- Working capital for inputs and seasonal costs
- Portable buildings, handling systems and equipment
- Refinancing equipment you own
- Diversification projects permitted under your tenancy
Who can we help?
- Farmers on Farm Business Tenancies and AHA tenancies
- Share farmers and contract farmers
- Tenants investing ahead of a tenancy renewal or expansion
- Tenant farmers with bad credit history or existing large debts, considered on their merits
- New-entrant tenants building a business
How much can you borrow?
£10,000 to £5 million
Because land is not available as security, facilities are typically secured on the machinery or stock being funded and assessed on the trading performance of the farm. Terms run from 3 months to 5 years.
How quickly can funding be arranged?
Initial decision typically within 24 hours
The application is a simple, quick telephone conversation. For machinery, livestock and working-capital requests an initial lending decision is typically given within 24 hours, subject to assessment. Nothing is guaranteed in advance and every application is considered on its own circumstances.
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 of the machinery or stock being financed
- 02Tenancy term and how it fits with the finance period
- 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
Tenant Farmer Finance questions
Get a Tenant Farmer Finance Quote
Tell us a little about your farm and requirement. We'll discuss tenant farmer finance 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
