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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.

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.

Alchemy Business Finance Ltd has joined the lending panel of Optimum Elite Finance, strengthening the range of specialist funding solutions available to brokers across the network — focusing on the agricultural, equestrian and agricultural contractor sectors.

Alchemy Business Finance Ltd is delighted to announce the appointment of Mike Brooks, ACA as our new CFO, effective immediately.
Mike brings extensive commercial finance and leadership experience to Alchemy, drawing on a strong background as a Chartered Accountant and commercial CFO.