We understand the challenges farmers face and how difficult it is to raise funds from the bank to help your business run smoothly or grow. Even more challenging for tenant farmers, or those with a bad credit history.
We understand the challenges farmers face because our funders have run all types and sizes of businesses for over 30 years and continue to do so. Their collective experiences in trying to raise finance for their own businesses under different economic climates has led to the formation of Alchemy Business Finance Ltd. We offer a personalised process and you will always have a dedicated account manager to talk with to better understand your needs. We will work fast and diligently to get you the finance you need.
Many farming businesses are asset-rich—but that strength isn’t always reflected in available cash.
We recently worked with a family-run farm in Devon facing a familiar challenge. The business had built up a strong base of machinery over time, all owned outright and central to its operation. At the same time, it needed to release capital to support ongoing improvements and strengthen overall cashflow.
We recently supported a beef and sheep farm in Cumbria that found itself in exactly that position. A neighbouring holding was dispersing, creating a rare opportunity to acquire additional livestock at favourable prices. For the business, it was a chance to strengthen future output and improve breeding capacity—but it required immediate action.
The business needed £74,000 to ease immediate pressures, maintain operations and ensure it entered the busier spring and summer months in a stable position. However, the uneven nature of income—common across equine businesses—meant that recent performance didn’t fully reflect the underlying strength of the operation.
We recently supported a contractor in Lincolnshire whose business depended on being operational at exactly the right moments. Working across harvesting, cultivation and machinery services, demand for their work was strong—but like many contractors, they were exposed to delays outside their control.
The UK farming sector in 2026 finds itself at a genuine crossroads. After years of disruption driven by Brexit, inflation, labour shortages and changing...
Specialist lender Alchemy Business Finance Ltd has recently completed a £134,500 funding solution for a mixed farming business in North Yorkshire, demonstrating how flexible, asset-backed finance can help agricultural businesses navigate complex financial situations
For many commercial finance brokers, agriculture can feel like a specialist sector best left to those with rural expertise. Yet across the UK there are thousands of viable farming businesses that regularly require finance — and many brokers are well placed to support them once they understand how the sector operates.
The UK agricultural sector has always been shaped by cycles — seasons, markets, weather, and policy. But 2026 is rapidly emerging as something different: a defining year where multiple pressures are converging at once, forcing farmers to adapt faster than ever before. From rising input costs and falling commodity prices to policy shifts and global instability, the landscape is becoming more complex. Yet within that complexity lies opportunity — particularly for those able to respond with agility, innovation, and the right financial support.