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.
At Alchemy Business Finance, we see beyond the numbers. After a detailed assessment, we approved a £20,000 asset finance facility. The decision was made within 48 hours following a direct conversation with the farmer to understand his growth plans and workload commitments. The tanker was delivered within a week, allowing him to take on additional contracts and employ a full-time assistant.
In North Yorkshire, an experienced livestock farmer faced a serious challenge. Heavy rainfall and low crop yields had left his silage reserves insufficient to feed his cattle through winter. He needed £25,000 to purchase supplementary feed quickly. Unfortunately, his bank refused support, citing a small historical missed payment and tightened credit restrictions in the agricultural sector.
The results were clear within six months: the glamping site launched successfully, occupancy rates exceeded forecasts, and the farm achieved its first non-farming income stream. The bridging loan was repaid in full once the venture stabilised, freeing the farmer from the limitations of traditional lenders.
UK agriculture is navigating one of its most challenging periods in recent memory, with a combination of soaring input costs, shifting policy frameworks, market volatility, and climate-related threats creating a “perfect storm” for farm businesses.
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