--- title: "Business funding for agriculture & farming — working capital for UK farm companies" description: "How short-term business finance fits incorporated UK farming and agricultural companies — machinery and repairs, seed and feed bought ahead of the season, the long wait for harvest or sale, subsidy timing and diversification. The company borrows, never the director: no personal guarantee, no charge over the farmhouse, no personal credit check. To apply, head to credicorp.co.uk." canonical: "https://creditcorp.co.uk/industries/agriculture/" locale: "en-GB" updated: "2026-06-21" --- # Working capital between outlay and harvest > A plain-English guide to short-term working capital for incorporated UK farming and agricultural businesses. This is the Creditcorp brand front door at **creditcorp.co.uk** — it never takes applications, prices loans or accepts payments. The operating lender is **Credicorp Limited** at [credicorp.co.uk](https://credicorp.co.uk/); the company/legal detail lives at [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/). **Canonical URL:** **Last updated:** 21 June 2026 --- ## Who can borrow Credicorp Limited lends **only to bodies corporate** — UK limited companies (Ltd), LLPs and PLCs. The borrower is always the **company**, never the director, an individual or a sole trader. There is no personal guarantee, no charge over the farmhouse or the land, and no personal credit check on a director. This is exempt business lending, not consumer credit. See [Lending and regulation](https://creditcorpgroup.co.uk/lending-and-regulation/). ## Why farms run short on cash It is rarely about whether the farm is profitable over a year — it is about how far apart the spending and the income sit. In agriculture that gap is measured in seasons. - **Inputs go in long before anything is sold.** Seed, fertiliser, sprays, feed, bedding and contractor work are paid for at the start of a cycle — sometimes a full year before the crop is combined or the stock is finished — on merchant terms that do not wait for harvest. - **Income arrives in a handful of paydays.** Most farms are not paid steadily. Income lands in lumps — a harvest sold, a batch of cattle through the ring, the lambs away, an annual contract cheque — while wages, diesel, rent and standing charges keep coming every month. - **Machinery is dear, and it cannot wait.** A tractor, combine, baler or parlour is a heavy cost, and a breakdown in a narrow weather window can cost far more in lost crop than the repair itself. The cash to fix it or hire a contractor has to be there now. - **Subsidies and diversification land on their own clock.** Support and environmental-scheme payments come through well after the work that earned them. And when a farm diversifies — a farm shop, holiday lets, a wedding barn, contracting, renewables — the fit-out and stock go out before the new income finds its feet. ## Which finance fits a farming business Three plain-English shapes of short-term credit. The detail and the live terms sit with the lender — see [the products](https://creditcorp.co.uk/products/). - **Business Bridging Loan** — a fixed sum into the company account for a known, time-boxed gap: an input order before drilling, a winter feed run, an urgent machinery repair mid-harvest, a deposit to lock in a contractor. - **Credicorp Flex** — a revolving facility to draw through the lean months and repay when harvest, market, the milk cheque or the subsidy lands; you pay only for what you draw, not the whole limit. - **Credicorp Slice** — settle a chunky bill from the merchant, feed mill or machinery dealer in full today and repay over a few weeks for a flat fee. We don't publish rates or terms here on purpose — they live with the lender so you always see current figures. Check the live pages on [credicorp.co.uk/compare](https://credicorp.co.uk/compare/) before you apply. ## The company borrows — not you Nowhere is the line between the business and the family more blurred than on a farm — the farmhouse, the land, the buildings and the income are bound up together, often across generations. So a personal guarantee, or a charge over the farm, asks an owner to put the family home and the holding itself on the line for a working-capital gap. Credicorp is built differently: the agreement is between Credicorp and your **company** — the Ltd, LLP or PLC that holds the land, the contracts and the bank account. There is **no personal guarantee**, **no charge over the farmhouse or the land** and **no personal credit check** on a director. The company stands on its own trading position. Because Credicorp lends only to bodies corporate, it sits outside consumer credit entirely — see [creditcorpgroup.co.uk/lending-and-regulation](https://creditcorpgroup.co.uk/lending-and-regulation/). ## A worked example (illustrative, not a real customer) A mixed arable and beef operation — a UK limited company farming a few hundred acres, with a cereal crop in the ground and a batch of store cattle being finished — has both a combinable crop months from sale and cattle months from the ring. Both are sound, but neither earns yet. Spring lands all at once: fertiliser and spray for the growing crop, a feed order to keep the cattle gaining, a relentless diesel bill, and — mid-season — the forage harvester throws a belt with a dry window closing fast. On paper the year is comfortably profitable; in the bank account, the company is funding a full season of inputs and a surprise repair before the grain is weighed off or the cattle sold, with the next support payment still some way out. Rather than turn to the merchant's most expensive terms or lean on the director personally, the company bridges the gap with short-term finance against its own trading position — covering the inputs and the repair — and repays as the harvest is sold and the cattle go to market. The subsidy catches up later, on its own timetable, without holding up the season. Same farm, same margin — the cash was simply there when the crop and the stock needed it. The right product for a situation like this is set on the lender at [credicorp.co.uk](https://credicorp.co.uk/). ## Common questions **Can a farming company borrow without a personal guarantee or a charge over the farm?** Yes. Credicorp lends to the company — a UK limited company, LLP or PLC — not the director who signs. No personal guarantee, no charge over the farmhouse or the land, and no personal credit check on a director. That matters most in farming, where the home and the workplace are so often the same address. **We need to buy seed, feed or fertiliser before the season earns anything. Can funding cover that?** That is one of the most common reasons farm companies look at short-term finance. The inputs go out months before the crop is sold or the stock is finished, so a Business Bridging Loan or Credicorp Slice can cover an input order now, with repayment timed around the income the season brings in. **Our income is seasonal — one or two big paydays a year. Does that work with short-term finance?** It fits exactly that shape. A revolving facility such as Credicorp Flex lets the company draw through the lean months and repay when harvest, the milk cheque, the livestock sale or the subsidy lands — so a single annual payday does not have to stretch across twelve months of outgoings. **Can we use it for a piece of machinery or an urgent repair in the middle of harvest?** Yes. A combine or tractor down in a narrow weather window can cost more in lost time than the repair itself, so a Business Bridging Loan can put cash in the account quickly to get it fixed or bring in a contractor, with repayment set against the season ahead. **We are diversifying — a farm shop, holiday lets, a wedding barn. Does that change anything?** Diversification often runs ahead of its own income: you fit out the building or stock the shop before the visitors and revenue arrive. As long as the venture sits within a UK limited company, LLP or PLC, the same short-term products apply. **Are you a bank, and is this regulated consumer credit?** No. Credicorp is an exempt business lender, not a bank and not a consumer-credit firm. It lends only to bodies corporate under Article 60B of the FSMA Regulated Activities Order 2001 — business credit, not a regulated consumer credit agreement. It is not for sole traders or personal-name borrowing. ## Related sectors - [Logistics & transport](https://creditcorp.co.uk/industries/logistics/) — covering fuel, plant and wages on long payment terms when you haul your own produce or run a contracting fleet. - [Wholesale & distribution](https://creditcorp.co.uk/industries/wholesale/) — buying inputs in bulk to hit a price break, then bridging the gap until the season is sold on. - [Hospitality & food](https://creditcorp.co.uk/industries/hospitality/) — if you've diversified into a farm shop, cafe or wedding barn, funding shaped around feast-and-famine cash flow. See the full [industries overview](https://creditcorp.co.uk/industries/). ## Next steps (all on credicorp.co.uk) - [Apply](https://credicorp.co.uk/apply/) — start an application on the live lender site. - [Compare the three](https://credicorp.co.uk/compare/) — pick the right product side by side. - [Contact the lender](https://credicorp.co.uk/contact-us/) — phone, email, post. ## Make sure you have the right Credicorp Creditcorp Group = **Credicorp Limited** (UK, company no. 16093826) + **CM Beyer Limited** (UK, company no. 17009212), with group-related **Credicorp Pty Limited** (Australia, ACN 679 428 605). It is **not** connected with, owned by or affiliated to Credicorp Inc / Credicorp Ltd of Peru & Bermuda (BCP, NYSE: BAP) or Banco de Crédito del Perú, to Credicorp Nigeria, or to Credit Corp Group Limited of Australia (ASX: CCP) — each a separate, unrelated company. --- © 2026 Creditcorp Group · Credicorp Limited (16093826) & CM Beyer Limited (17009212). Operating lender: [credicorp.co.uk](https://credicorp.co.uk/) · Group & brand: [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/).