Reviews from Businesses like Yours
Agriculture supports around 215,000 farm businesses across the UK, according to DEFRA, and modern farming is increasingly capital-intensive. The machinery required to run a competitive agricultural business has never cost more. A new mid-range tractor now starts at over £100,000, and combine harvesters, precision agriculture systems, and specialist harvesting equipment add further six-figure demands. A business funding advance gives agricultural businesses fast access to working capital for equipment and operations, without a personal guarantee.
Agricultural Equipment Business Funding Advance
Got Capital provides unsecured business funding advances from £2,000 to £300,000 for UK agricultural businesses — including arable farms, livestock operations, horticulture businesses, and agricultural contractors. A funding decision is made in as little as one hour, and the advance can be in your account within 24 hours, without requiring a personal guarantee.
Why Agricultural Businesses Need Equipment Funding
Farm machinery is not optional — it is the productive core of the business. A tractor, combine, or specialist harvesting unit in poor condition does not just create a maintenance cost; it limits what the farm can produce, the acreage it can cover, and the income it can generate. Replacing or upgrading machinery is one of the most consequential investment decisions an agricultural business makes, but the capital requirement rarely arrives at the same time the cash does.
The cost of modern agricultural technology has risen sharply. Precision farming systems — GPS guidance, variable rate application, soil sensors, and yield mapping — require significant upfront investment. These technologies reduce input waste and increase yield, but the return accumulates over multiple seasons. The capital to acquire them must be found now, not from the savings they eventually generate.
Breakdowns create a different but equally urgent pressure. A combine failure at harvest, a tractor off the road at planting time, or an irrigation pump failing in a dry spell is not simply a repair bill. It is a window of lost productivity that cannot be recovered. Access to working capital at short notice allows agricultural businesses to address equipment emergencies before they become season-defining losses.
£2,000 – £300,000
Available Funding
1-Hour Decision
Once All Documents Received
Funds in 24 Hours
Once Approved
No Personal Guarantee
Never Required
Common Uses for Agricultural Business Funding Advances
A Got Capital advance gives farming and agricultural businesses the working capital to invest in machinery, technology, and operations:
- Tractor purchase, part-exchange deposit, or upgrade to a higher-specification model
- Combine harvester, baler, forage harvester, or specialist harvesting equipment
- Precision agriculture technology — GPS guidance, variable rate application, and soil sensors
- Irrigation equipment — pumps, pipework, and centre-pivot or travelling irrigator systems
- Livestock equipment — automated feeding systems, milking parlour upgrades, and handling facilities
- Emergency machinery repairs and breakdown response during critical seasonal periods
- Grain drying, storage, and handling equipment
- Fuel, seed, fertiliser, and input costs ahead of a growing or production season
Fund Your Business in 3 Easy Steps
Fund Your Business in 3 Easy Steps
1
Submit your funding application below
2
Agree on an offer for business funding
3
Receive funds fast into your bank account
Working Capital Up To £300K
We work alongside all of our clients to ensure funding is deployed fast and when it is needed, helping to supporting long-term operational health and sustainable business growth.
No Personal Guarantee
You are not required to provide a personal guarantees to qualify for a business funding advance, so there is no need to risk your personal property when you are looking to grow your business.
Apply with Any Credit Score
We determine your eligibility for funding based on intelligent models developed by Got Capital; your credit score alone should never be a barrier to receiving the money that your business needs.
We determine your eligibility for funding based on intelligent models developed by Got Capital; your credit score alone should never be a barrier to receiving the money that your business needs.
Custom Payoff Plans
Should you no longer need funding, you may be eligible to return the remaining balance at a discounted rate, dependent on the condition of your account and repayments performance.
Am I Eligible?
✓ UK-registered business
✓ Minimum 3 months’ trading history
✓ Minimum £5,000 monthly revenue
✓ No personal guarantee required
✓ All credit histories considered — decisions based on business health
✓ Available to sole practitioners, small firms, and mid-sized practices
FREQUENTLY ASKED QUESTIONS (FAQs)
Yes — Got Capital provides business funding advances suited to a wide range of agricultural operations, including arable farms, livestock businesses, horticultural enterprises, and agricultural contractors. To qualify, your business needs to be UK-registered, have been trading for at least 3 months, and generate a minimum of £5,000 in monthly revenue. Decisions are based on your business health rather than your personal credit score, and no personal guarantee is required. Advances range from £2,000 to £300,000, with funds in your account within 24 hours.
Got Capital can issue a funding decision in as little as one hour. Once approved and terms are agreed, funds are typically deposited into your business account within 24 hours. This is particularly valuable when an equipment breakdown demands urgent repair, when machinery needs to be in place ahead of a seasonal window, or when a purchase opportunity arises with a short lead time. The entire process is completed online with no business plan or personal guarantee required.
Yes — equipment purchase and upgrade is one of the most common uses of a Got Capital advance for agricultural businesses. A tractor, combine, baler, or precision agriculture system can be part-funded through an advance, giving you access to the machinery you need without waiting for cash reserves to accumulate across multiple seasons. Emergency machinery repairs can also be covered. There are no restrictions on how the funds are deployed within your agricultural business, and the advance can be used for a deposit, purchase contribution, or repair cost.
A traditional agricultural bank loan is a credit agreement. Interest accrues over the loan term, and fixed monthly instalments are required on a set schedule. Got Capital’s advance works differently: a single, fixed factor fee is agreed upfront, so you know the total cost before you commit. There is no interest that accrues over time and no variable rate. You settle the advance as a proportion of your future revenue. No personal guarantee is required to secure the funding advance.
No. Got Capital does not require a personal guarantee from any business that takes an advance. For many farming families, the farm itself represents both the business and the family home, making a personal guarantee particularly high-stakes. Got Capital’s advances are unsecured: your personal financial position is not used as security, and no personal assets are put at risk in order to secure the funding advance.
Yes — a Got Capital advance is specifically designed to work with businesses that have uneven income patterns. Settlement is structured as a proportion of your future revenue. This makes a Got Capital advance well suited to farms where most revenue arrives in defined seasonal windows.
Yes. Agricultural businesses declined by high street or specialist agricultural lenders are eligible to apply to Got Capital. Banks assess applications primarily on credit scores, security, and rigid criteria that often disadvantage seasonal businesses. Got Capital assesses the health of your operation — your revenue, trading history, and how your business runs. If your agricultural business generates at least £5,000 per month, has traded for at least 3 months, and is UK-registered, your application will be reviewed on its own merits. Previous bank declines are not a barrier.
Apply for Business Funding Today
Apply for Business Funding Today