Farming is one of the most asset rich, cash poor industries in the UK. You might own the land, the livestock, the machinery and the harvest, and still not have enough cash in the bank to cover this month's fuel bill or wages.
Invoice finance for agriculture turns the money sitting in your unpaid invoices into working capital, often within 24 hours, so the gap between growing, producing and getting paid stops being a problem.
Income is often tied to harvest cycles, seasonal buying patterns and weather, which makes monthly cash flow hard to predict.
Market volatility on grain, livestock and produce prices can swing your income from one month to the next.
Land, machinery and stock hold real value on paper, but none of it is quick or easy to convert into cash when you need it.
Large processors, cooperatives and retailers often set the payment terms, and 60 to 90 days is common.
Fuel, feed, fertiliser, machinery upkeep and labour costs keep climbing, squeezing margins further.
As independent commercial finance brokers, we don't work for one funder, we work for you. We match your farming or agricultural business with the invoice finance provider best suited to your buyers, your seasonality and your growth plans.
We handle the market research and the applications, so you can stay focused on the farm.
We place you with the right funder first time, rather than you working through dozens of lender websites.
With strong relationships across the invoice finance market, we can negotiate rates you're unlikely to get by approaching a lender direct.
Funds can be released the same day against your invoices, rather than waiting weeks for a buyer to pay.
For many farming businesses, invoice finance works out better value than an overdraft or a traditional business loan.
Modern invoice finance runs through easy to use online portals, with no lengthy paperwork each time you raise an invoice.
Your facility grows in line with your invoicing, so as your business expands, your available funding expands with it.
Please contact us if you cannot find an answer to your question.
Not necessarily. Confidential facilities such as invoice discounting mean your buyers continue to deal with you exactly as before, with no visible change to how invoices are raised or collecte
It's usually more cost effective than people expect. Because the finance is secured against your invoices rather than land or other assets, funders can often price it competitively, and the cost of unlocking cash quickly is frequently lower than the cost of missed early payment discounts or emergency borrowing.
Good invoice finance providers manage collections professionally and discreetly, protecting the relationships you've built with cooperatives, processors and retailers rather than putting them at risk.
In most cases, no additional physical security is required beyond the invoices (your debtor book) themselves, meaning your land, machinery and other assets are not put at risk.
It doesn't matter how long you've been farming or what you produce, whether arable, livestock, dairy or mixed farming. If you invoice other businesses, cooperatives or processors and wait to be paid, invoice finance could give your business fast, flexible and secure access to the working capital it needs to grow.
Speak to our team today for a free, no obligation comparison of invoice finance options for your farming or agricultural business.
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Simply Invoice Finance is a trading style of Goodman Corporate Consultancy Limited, an independent commercial finance broker, not a lender. As such, we can introduce you to a wide range of finance providers depending on your requirements and individual circumstances. We are not independent financial advisors and are unable to provide independent financial advice. We typically receive payment or other benefits from the finance provider if you decide to enter into an agreement with them.
Goodman Corporate Consultancy Ltd is authorised and regulated by the Financial Conduct Authority, No. 733340.