Whether you’re looking to invest in precision kit, tackle slurry storage, or improve animal health on your farm, FETF 2025 could be the boost your business needs. In this blog, we’ll break down what the fund offers, who can apply, and how we at Peregrine can help you secure the equipment you need – even if the grant doesn’t cover the full cost.

What is the Farming Equipment and Technology Fund (FETF)?

The FETF is part of the UK government’s commitment to modernise agriculture, improve environmental outcomes, and increase farm productivity. It’s a competitive grant scheme, meaning funding is awarded to top-scoring applications. You may not get all – or any – of what you apply for, but it’s a valuable opportunity worth exploring.

What Can You Apply For?

There are three themes within FETF 2025. Each theme has its own list of eligible items, from high-tech equipment to animal handling systems. Here’s a quick overview:

• Productivity: direct drills, robotic sprayers, GPS guidance kits, variable rate controllers
• Slurry: low-emission spreading equipment, storage tank monitors, umbilical systems
• Animal Health and Welfare: mobile sheep handling systems, weigh crates, thermal imaging kits for pig health

You can apply for one, two, or all three – so long as each application meets the specific eligibility criteria and supports different aspects of your business.

Grants cover 40% or 50% of the item’s cost, depending on whether your purchase meets or exceeds the government’s average cost benchmark. All items must be new or ex-display, meet strict specifications, and be used on the farm or business named in the application.

What If the Fund Doesn’t Cover the Full Cost?

FETF may not pay for everything, but that’s where we come in.

At Peregrine, we know how frustrating it can be to plan big upgrades with only part of the funding in place. That’s why we offer flexible, agricultural finance to support your project alongside your FETF grant.

Whether you need to finance a precision drill or fund the full package around a slurry system upgrade, we tailor solutions that work for your business model, your timing, and your cash flow.

Who Can Apply for the FETF?

You can apply if you’re registered in England and are one of the following:

• A farmer
• A horticulturalist
• A forestry owner
• A contractor carrying out services for the above

If you’re applying for the Animal Health and Welfare theme, you must farm one of the following: beef or dairy cattle, pigs, sheep, or commercial poultry.

You must also be registered with the Rural Payments service and apply under the correct Single Business Identifier (SBI). If you’re involved in more than one business, RPA may cap your funding across applications that share the same VAT or Companies House number.

How to Apply

The FETF 2025 application window is open now and closes at midday on 10 July 2025.

Here’s a quick step-by-step:

1. Choose your items from the FETF 2025 item lists
2. Get quotes from suppliers (but don’t order anything yet)
3. Register or update your details with the Rural Payments service
4. Apply online through the Farming Investment Fund portal

Remember, you can submit one application per theme, and each one must be between £1,000 and £25,000 in value.

Peregrine, Your Trusted Financial Partner for FETF Projects

We don’t submit your FETF application but we know the finance side works for you and your business.

We offer finance support to help you fund the complete project if the grant only covers part of the cost. We monitor changes in each funding round so we can offer the most suitable finance options, tailored to the type of equipment you’re investing in.

Ready to Start Your Application? Let’s Talk

If you’re applying for an FETF 2025 grant and want finance that complements your plans – not complicates them – we’d love to hear from you.

Contact us online now  or give us a ring instead. We’ll talk you through the options, no pressure.

The post FETF 2025: Is Your Farm Ready to Apply? appeared first on Peregrine Finance.

With rising input costs, ageing machinery, and seasonal cash flow pressures, many farms are finding it harder to make critical investments when they matter most. That’s where agricultural finance steps in – not just as a tool, but as a lifeline.

Tailored finance isn’t just about spreading the cost. It’s about building resilience, protecting your cash flow, and giving your farm the confidence to move forward. In this article, we explore the wide variety of farming equipment and assets you can finance through Peregrine, and how our flexible farm finance options are designed with your business in mind.

Farm Equipment You Can Finance

There’s a huge range of equipment that can be financed to support your farm’s productivity and growth. Whether you’re upgrading core machinery or investing in something more specialised, we’re here to help you get what you need – without tying up your working capital.

Tractor Finance

It’s probably not a surprise that our most common finance application is for a new tractor. After all, tractors are the backbone of most farms – working long hours in all conditions. But when repairs become routine and downtime starts eating into productivity, it might be time for a change. We finance both new and used tractors, with seasonal repayment plans that reflect your cash flow cycle. Whether you need to expand your fleet or replace ageing kit, we’ll help you keep moving.

Machinery for Planting and Crop Care

From ploughs and seed drills to sprayers, these are tools that make day-to-day operations run smoothly and efficiently. Financing allows you to invest in precision and productivity – especially important when margins are tight and timing is everything. Many farms are also exploring financing your farm inputs to manage costs more effectively across the season.

Harvesting Equipment

Reliable balers and forage wagons are vital during peak harvest times, especially for livestock farms producing silage or hay. Downtime during harvest can be costly – our finance solutions help you upgrade without delay.

Handling and Mobility Equipment

ATVs and telehandlers play a crucial role on many farms, from moving feed and supplies to managing livestock and fencing. We offer finance for a range of makes and models, suited to both day-to-day and heavy-duty work.

Precision Ag-Tech

Modern farms are increasingly turning to precision farming equipment to boost yields and reduce waste. GPS guidance systems, auto-steering kits, soil health sensors, and yield mapping tools can all be financed through Peregrine. It’s a practical way to stay at the forefront of technology without making a large upfront investment.

Livestock and Dairy Equipment

For livestock farms, we offer finance for milking parlours, feed mixers, handling systems, and livestock trailers. Whether you’re expanding your herd or upgrading ageing infrastructure, we can tailor the finance to match your growth.

Read our guide to livestock finance to see what else you can fund on your farm.

Diversification and Specialist Equipment

If you’re branching out into farm shops, on-site processing, or agri-tourism, we can help finance the tools you need. From cider presses and egg packing stations to pizza ovens and glamping pods, we’ve helped rural businesses finance a wide variety of equipment.

The Role of Finance in Modern Farming

Finance is the smarter way to invest in equipment without sacrificing your working capital. Instead of making large one-off payments, finance lets you spread the cost over time, giving you faster access to the machinery and tools you need to stay productive.

Key benefits of farm machinery finance include:

• Avoid large upfront costs that strain cash reserves
• Quicker upgrades to modern, efficient machinery
• Leaves capital free for unexpected needs – from feed price spikes to emergency repairs

It can also be used to manage day-to-day essentials, like agricultural finance for input costs, to take pressure off early-season spending.

At Peregrine, we understand that for many, farming isn’t just a business – it’s a legacy. Our goal is to help you secure that legacy with clear, supportive finance solutions.

Tailored Finance for Every Type of Farm

No two farms are the same and neither are their equipment needs. Peregrine specialises in finance solutions shaped around your operations, whether you’re running a third-generation dairy, a small but growing arable business, or a mixed farm exploring new revenue streams.

We work with:

• Dairy farms needing to upgrade essential infrastructure like milking parlours, pasteurisers, or automated feeding systems. 
• Livestock farms investing in calving pens, weighing equipment, or improved mobile handling kits to ensure efficiency and animal welfare.
• Arable farms upgrading to modern drills, low-drift sprayers, or seedbed cultivators to boost productivity and reduce input waste. 
• Diversified farms launching new ventures – from farm kitchens and cold stores to event spaces and farm-based holiday lets.

We understand the differences between farms and design our finance to match. Whatever your sector or scale, we’ll help you access the right equipment at the right time – on terms that work for you.

Why Farmers Trust Peregrine

With over 25 years of experience, Peregrine Finance is a trusted partner to farms across the UK. Our reputation is built on:

• Clear communication 
• Tailored packages with flexible terms
• Friendly, expert support from people who understand rural business

Whether it’s a tractor, telehandler, or a specialist bit of kit for a new diversification project, we’re here to make financing your next equipment upgrade simple and stress-free.

Looking to invest in new machinery or replace something that’s past its best? Let’s talk. We’ll help you find the right finance solution that works with your season, your budget, and your future.

The post What Can You Finance on a Farm? Tractor & Equipment Finance Made Simple appeared first on Peregrine Finance.

Farming keeps you busy, and when the work is never done, planning for the future can slip further down the list.

But here’s the truth: every family farm will face a succession moment—planned or not.

Whether you’re years from retirement or starting to think about passing the reins, creating a clear plan now could be the most important investment you ever make. Without one, the business you’ve built—and the legacy you hope to pass on—could face legal hurdles, financial strain, or even division.

This guide is here to help you change that. We’ll walk through the key steps of farm succession planning, highlight common pitfalls to avoid, and show how the right financial tools can smooth the road ahead. Because your farm’s future deserves more than hope—it deserves a plan.

Why Succession Planning for Your Farm Matters

You’ve worked hard to build something lasting—something worth passing on. Your farm isn’t just where you work. It’s where your family has grown, where memories are made, and where generations before you have done the same. That kind of legacy is priceless.

But without a clear plan for what happens next, even the strongest family farms can face uncertainty. We’ve seen it happen: good relationships strained over unclear expectations, land tied up in legal issues, or family members forced into tough decisions because no one wanted to have “the talk.”

You might be putting it off because it feels difficult. Or maybe you’re not sure where to start. That’s completely normal. But the longer it’s left, the more risk there is—financially, legally, and emotionally.

Succession planning isn’t about giving up control. It’s about protecting what you’ve built and giving the next generation the chance to carry it forward—with confidence and clarity. And when you approach it with the right support, it doesn’t have to be as daunting as it sounds.

Common Challenges and Mistakes in Farm Succession

Succession planning can feel like one of the most difficult parts of running a farm—not because you don’t care, but because it’s personal. It involves family, finances, and the future. And it’s easy to see why so many farmers delay it. But knowing the common pitfalls can help you avoid them and plan with confidence.

1. Assumptions Within the Family

Many farmers assume they know who will take over the business—but haven’t had the conversation to confirm it. Maybe your son or daughter has always helped with harvest or managed the books, and it feels obvious they’ll take the reins. But without a clear discussion, assumptions can lead to misunderstandings, especially if multiple children are involved.

What happens if one child expects to inherit the farm, but others expect a share too? These conversations are difficult—but silence only makes them harder down the road.

2. Financial Complexity and Pressure

Even with the best intentions, handing over a farm can get financially complicated. You might want to retire but still need income from the business. Or you may wish to treat your children equally, but the farm can’t be split in a way that feels fair to everyone.

This is where structured finance options can offer flexibility. With the right arrangement, it’s possible to manage lump sums, stage payments, or annual income through tailored repayment plans—helping ease transitions without disrupting operations or cash flow.

3. Leaving It Too Late

It’s human nature to put off tough conversations. You may be waiting for “the right time,” or hoping the path forward becomes clearer on its own. But the longer it’s left, the fewer options you may have.

Delays can mean missed financial opportunities, reduced flexibility in how transitions are handled, and more pressure on both the current and incoming generations. Planning ahead can open the door to funding structures that ease this pressure—giving time to build sustainable change.

4. Lack of Fit-for-Purpose Finance

Many rural businesses experience irregular cash flow—driven by seasonal peaks, grant timing, or livestock sales. If a succession plan relies on rigid or unsuitable finance, it can create further stress.

Instead, structured finance that aligns with the business cycle—monthly, seasonal, or grant-timed bullet payments—can help keep everything running smoothly while major changes are underway. The right funding model can make the difference between a stressful handover and a confident, steady transition.

Creating a Smooth Transition Plan

You’ve put years—maybe decades—into building your farm. Planning how to hand it over isn’t about stepping back overnight. It’s about shaping a future that works for your family, your business, and your peace of mind. 

A good farm succession plan doesn’t just tick legal boxes—it reflects your values, your wishes, and the needs of the next generation.

Here’s how to make the process smoother, step by step:

1. Start the Conversation Early

Succession planning isn’t a one-off chat. It’s a series of conversations over time—about roles, responsibilities, expectations, and goals. Start talking with your family now, even if you’re years from retiring.

Early conversations mean:

• Everyone has time to consider their future
• There’s room to adjust the plan as circumstances change
• Emotions can be handled gradually, not under pressure

You don’t need all the answers on day one. Just start talking.

2. Clarify Who Wants What

Every family is different. Some children are actively involved in the farm. Others have chosen different paths. And while fairness matters, “equal” doesn’t always mean “identical.”

It helps to ask:

• Who wants to run the farm?
• Who expects an inheritance or financial return?
• What are your own retirement goals and income needs?

Being open and realistic helps avoid conflict and confusion later on.

3. Make It Official

Once you’ve had the conversations, formalise the plan. This might include:

• Updating your will
• Creating a partnership agreement or family business structure
• Outlining who owns what and when ownership will transfer
• Setting up insurance or finance solutions to support the plan

Speak to a solicitor or accountant who understands agricultural businesses. Getting this right legally is key to protecting your assets and minimising tax issues.

4. Plan for a Gradual Handover

You don’t have to hand over the keys and walk away. Many farmers prefer a phased approach—slowly shifting responsibilities while mentoring the next generation.

A gradual handover can include:

• Shared management over a defined period
• Introducing younger family members to business decisions
• Updating roles as confidence and skills grow

This eases the transition for everyone involved—and gives you the chance to step back on your own terms.

5. Review and Adjust Over Time

Your plan isn’t set in stone. Life changes—health, relationships, finances. Revisit your succession plan every few years to make sure it still fits your situation and goals.

A smooth succession isn’t about control or letting go. It’s about ensuring your farm, your values, and your life’s work carry on—with clarity, respect, and support. When you lead the conversation, you give your family the gift of certainty and confidence for the years ahead.

How Can Finance for Your Farm Make the Transition Smoother?

Passing on the farm often brings up a big question: how do we make it work financially? Whether you’re looking to retire comfortably, buy out family members fairly, or invest in the next phase of the business, having the right finance in place can make all the difference.

We believe finance shouldn’t be a barrier to succession—it should be part of the solution.

1. Supporting Business Growth for the Next Generation

Handing over the business doesn’t mean leaving it as-is. Often, the next generation brings fresh ideas—diversification, new equipment, or even a shift into areas like renewable energy.

With tailored agricultural finance, you can help them:

• Invest in modern machinery or infrastructure
• Expand operations or add new revenue streams
• Upgrade outdated equipment before handing over the reins

This not only sets them up for success—it strengthens the long-term future of the business.

2. Managing Retirement Income

Many farmers worry about how they’ll support themselves once they’re no longer running the business day-to-day. With the right financial structure, you can plan for a steady income in retirement while still keeping the farm in the family.

Options might include:

• Lease-back arrangements
• Structured finance repayments from the new owners
• Refinancing a new farm project

Talk to an asset finance provider to better understand your options.

4. Tailored Finance, Built Around Your Farm

Every farm is different, and so is every succession plan. At Peregrine, we don’t believe in one-size-fits-all finance. Our approach is flexible, personal, and grounded in real-world farming experience.

We offer solutions across:

• Agricultural machinery finance
• Livestock finance
• Refinancing 
• Renewable and diversification project funding

These tools aren’t just for growth—they’re for continuity. They help smooth the transition between generations and protect what matters most.

Succession planning is about more than handing over land or buildings—it’s about giving the next generation a strong, stable start. And with the right financial tools in place, you can do that without jeopardising your own security or the farm’s future.

Next Steps

If you’ve made it this far, you’re already doing something many put off—you’re thinking seriously about the future of your farm. That’s no small thing. Succession planning isn’t quick or easy, but it is one of the most important things you’ll ever do for your family and your business.

You have options available and don’t have to figure it out on your own. At Peregrine, we specialise in working with generational farming families just like yours, offering clear, practical finance support tailored to rural businesses.

Where to Start

If you’re unsure where to begin, here are a few first steps:

1. Talk to your family – Open up the conversation. Ask questions. Listen.
2. Get your paperwork in order – Wills, partnership agreements, land ownership—all of it matters.
3. Explore finance options – Understand what’s possible with agricultural finance, asset finance to business investment.
4. Speak to an expert – A conversation with someone who understands farming and finance can clarify your next move.

Let’s Secure Your Legacy—Together

At Peregrine, we understand that your farm is more than a business. It’s a part of your identity, your family, and your history. Our role is to support you in protecting that legacy—so it can continue to grow in the hands of the next generation.

Whether you’re ready to make a move, or just starting to think things through, we’re here to help you find flexible finance. Get in touch today

The post Secure Your Farm’s Future: A Guide to Generational Legacy and Succession Planning appeared first on Peregrine Finance.

Grants and financial support schemes are available, but understanding which ones apply to your farm—and how to apply—can be a challenge in itself.

Many farmers are now being asked to adapt to a system where funding is tied closely to sustainability goals. At the same time, traditional borrowing has become more expensive due to high interest rates, and there’s widespread frustration that food production is being overshadowed by environmental targets.

This has led some farmers to delay investment, reduce borrowing, or avoid taking financial risks altogether.

This article explores how agricultural grants work, what funding is currently available, and how you can use finance strategically to support your farm. Whether you’re navigating policy changes or trying to maintain cash flow in an unpredictable climate, understanding the options can help you make more informed decisions without putting your business at risk.

Understanding Agricultural Grants and Policies

Securing funding for your farm can be a challenge, especially with government policies constantly changing.

Grants can help you invest in new equipment, improve your land, or make your farm more sustainable, but staying on top of available funding options is key.

If you don’t know how to apply for government farm grants, you could miss out on financial support that keeps your business moving forward.

Right now, the UK government offers several grants, including:

• Farming Investment Fund (FIF): Helps pay for farm buildings and equipment.
• Countryside Stewardship Grants: Funds projects that improve soil, water, and wildlife habitats.
• Renewable Energy Grants: Helps farmers install solar panels, wind turbines, or biomass energy systems.
• Laying Hen Housing for Health and Welfare Grant: Provides funding for modern housing that improves bird health, biosecurity, and productivity.
• Calf Housing for Health and Welfare Grant: Supports new and improved calf housing that enhances ventilation and welfare standards.
• Improving Farm Productivity Grant (Round 2): Helps pay for items like robotic systems, renewable energy generation, and equipment that enhances farm efficiency.
• Slurry Infrastructure Grant: Funds slurry stores and equipment to improve nutrient management and reduce pollution.

More than 50,000 farm businesses are benefitting from farming schemes and more money is being spent through the Sustainable Farming Incentive (SFI) than ever.

Government funding for farmers aims to make farms more efficient while also protecting the environment. But since government priorities change, you need to keep up with new rules to continue getting support.

The Role of Sustainable Investment in Modern Farming

Sustainable investment is no longer just an option—it’s a key part of future-proofing your farm.

By investing in renewable energy, water conservation, and eco-friendly equipment, you can reduce operating costs while keeping up with industry sustainability goals.

Switching to energy-efficient machinery or installing solar panels can lower your energy bills and even create an extra income stream by selling excess power back to the grid. Financing green initiatives through tailored finance options can also make it easier to invest in sustainability without waiting for grant approvals.

Many farmers are already taking advantage of these opportunities. Those who have installed solar panels or switched to biomass heating are seeing long-term savings, while others are using government-backed funding to improve soil health and biodiversity.

Keeping up with these trends can ensure your farm remains competitive and financially resilient.

Why Financial Planning is Important for Farmers

Farming is unpredictable. Between fluctuating crop prices, extreme weather, and shifting policies, you need a solid financial plan to keep your business stable.

For years, many farmers relied on the Basic Payment Scheme (BPS), but it’s now being phased out in favour of sustainability-based grants. If you’re not prepared for this change, your farm’s cash flow could take a hit.

Grants are now closely tied to environmental practices, so farmers who protect water, soil, and biodiversity have a better chance of securing funding. If you don’t adapt to these new expectations, you may struggle to access financial support, making it harder to buy new equipment, expand operations, or stay competitive.

Having access to financial solutions like asset-based lending or machinery finance can help bridge gaps when grant funding is uncertain. Being proactive in financial planning will allow you to invest in your farm at the right time, rather than waiting on policy changes.

How to Apply for Government Grants and Explore Other Agricultural Finance Options

Finding the Right Grants

Each farm grant has different rules, and not all farms will qualify for every type of funding. You can check the Rural Payments Agency (RPA) website or ask local agricultural groups for guidance.

It’s also important to plan ahead. Some grants require matching funds, meaning you may need initial capital before you can access funding. Having a clear strategy for securing additional finance, whether through loans or equipment leasing, can make the grant application process smoother.

Submitting a Strong Application

Applying for grants is not always easy. You must show exactly how you will use the money, why you need it, and how your project will help your farm and the environment.

A strong application should include a clear business plan, financial records, and proof of sustainable practices.

Government agencies also want to see that your farm’s plans match broader goals, such as reducing carbon emissions or improving soil health. If your plans don’t align with current priorities, your application might be rejected—so it’s important to prepare thoroughly.

Other Finance Options for Farmers

Government grants don’t always cover everything, and sometimes you need a faster or more flexible funding option. Other ways to finance your farm include:

• Agricultural Machinery Finance: Helps farmers buy modern equipment to improve productivity.
• Renewable Energy Finance: Funds projects like solar or wind power to reduce long-term energy costs.

By combining grants with agricultural finance, you can keep your farm running smoothly without waiting on government funding decisions.

Financing Grant-Eligible Projects

It’s also worth noting that if you’re relying on finance to help fund a project while waiting for a grant, the structure of your loan matters. Because you must legally own the asset before you can claim the grant, funding must be arranged through a loan.

These loans typically involve monthly repayments, but you can include a bullet payment (representing your grant amount) at any point in the agreement. Most farmers choose to do this once the grant money comes in—often around six months into the agreement—though the timing can vary depending on the scheme.

This setup not only satisfies the legal requirement of having ownership of the asset before claiming the grant, but it also helps reduce your monthly payments going forward. While Peregrine Finance does not offer financial advice, we can structure finance agreements to support this process.

What Happens If You Don’t Get Funding?

If you miss out on financial support, it could mean delaying essential upgrades, which can slow down production and increase long-term costs. Outdated machinery leads to higher repair bills, lower efficiency, and difficulties keeping up with competitors.

Stricter environmental regulations also mean that farms not meeting sustainability targets could face penalties or extra costs. Staying informed about industry changes and applying for funding early can help you avoid these challenges.

Best Strategies for Managing Farm Cash Flow

To manage cash flow effectively, you should create a detailed budget that accounts for both peak and low-income periods, ensuring you have enough reserves to cover operating costs year-round.

Diversifying income streams, such as offering agritourism experiences or leasing land for renewable energy projects, can also provide additional financial stability.

When major investments are needed, financing solutions like hire purchase agreements for machinery or asset-based lending can help spread costs over time without depleting working capital. You should also review your financial position regularly, adjusting your strategies based on market conditions and upcoming expenses.

How Farmers Can Navigate High Interest Rates When Securing Finance

Rising interest rates can make securing finance more expensive, putting additional strain on farm budgets.

Understanding how economic trends impact lending can help you make informed financial decisions. One strategy to mitigate rising costs is locking in fixed-rate financing, which provides predictable repayments and protects against further interest rate hikes.

Manage debt effectively by refinancing at lower rates can also reduce financial pressure. Keeping a strong credit profile and working with a trusted agricultural finance provider can ensure access to the best possible terms. 

How to Finance Farm Equipment Without Relying on Government Grants

For many farmers, upgrading or replacing essential equipment is a major investment, and relying on government grants is not always an option. Fortunately, several financing solutions are available to help spread the cost over time without placing excessive strain on cash flow.

Tailored financing solutions, such as agricultural machinery finance, also offer flexible repayment options based on farm income cycles.

Preparing for Future Farming Policy Changes

Government policies will continue evolving, focusing on sustainability, carbon reduction, and modern farming technology. If you stay informed and adapt early, you’ll be in a much stronger position to secure funding and keep your business growing.

Tracking industry news, attending farming finance workshops, and maintaining detailed financial records will improve your chances of accessing future grants and investment opportunities.

Get the Right Finance for Your Farm

Peregrine Finance provides tailored agricultural finance solutions to help you invest in equipment and sustainability projects, ensuring you have access to the funding you need—regardless of government policy changes.

Want to explore your farm financing options? Get a quote today!

The post How UK Farmers Can Access Government Grants and Handle Policy Changes (2025) appeared first on Peregrine Finance.

Farming is a business made of precision and planning, where financial stability is just as critical as weather conditions and soil health. Yet, rising input costs covering essentials including fertiliser and feed place enormous pressure on farm budgets. With farm input costs increasing by an average of 44% since 2019 (AHDB), many farmers are struggling to maintain cash flow while keeping operations running efficiently.

This is where input finance comes in. Farm loans for seeds and fertilisers are a form of agricultural finance, they enable farmers to purchase critical supplies without needing to pay for them upfront, allowing them to align repayments with their revenue cycle.

With ongoing market uncertainty, farmers need solutions that provide financial flexibility, helping them invest in quality inputs while maintaining working capital.

The growing importance of input finance in UK agriculture

Rising costs and market volatility have made financial planning more complex than ever for farmers. Fertiliser prices have more than doubled since 2020, while feed and fuel prices have risen by as much as 50%, adding financial pressure on farm businesses (AHDB). Many farmers now face unpredictable cash flow, with seasonal income making it difficult to cover upfront costs when revenue is not immediately available.

Market uncertainty caused by policy changes, supply chain disruptions, and climate factors further complicates financial stability. Limited financing options often leave farmers feeling restricted, forcing them to cut back on essential inputs or take on high-cost credit options. Input finance provides a structured and affordable way to manage these expenses, ensuring that farms remain operational and competitive.

A step-by-step guide to using input finance effectively

1. Assess your farm’s input requirements

• Conduct a full audit of your farm’s upcoming seasonal needs, including fertiliser, feed, & other agrochemicals
• Identify essential versus optional purchases to prioritise critical inputs.
• Consider historical data on usage and costs to make informed purchasing decisions.

2. We can offer input finance over a 12-month period

• Opt for seasonal repayment plans that align with harvest profits or livestock sales.
• Factor in possible price fluctuations for inputs and plan your financing accordingly.
• Spread costs strategically to avoid large lump-sum payments at inopportune times.

3. Implement a strong financial tracking system

• Use accounting software or spreadsheets to monitor loan repayments and overall cash flow.
• Regularly review input costs and adjust financing strategies where necessary.
• Maintain detailed records to help with future applications and negotiations with finance providers.

4. Build contingency plans

• Anticipate possible risks such as unexpected weather disruptions or supply chain delays.
• Secure access to emergency credit facilities for unforeseen challenges.
• Keep a reserve fund where possible to cushion against seasonal cash flow dips.

As farming costs continue to rise, flexible financial solutions such as finance for farm supplies will become increasingly vital. More farmers are looking for ways to secure essential inputs without tying up capital, for long-term growth.

Making input finance work for you

With tailored finance options designed for the unique needs of UK farmers, we’re here to help. Our team understands the challenges you face and provides solutions that work with your business, not against it.If you’re ready to explore how input finance can support your business, contact us today to speak with one of our agricultural finance specialists.

The post How Agricultural Finance Can Strengthen Your Farm’s Cash Flow | a Guide to Input Finance appeared first on Peregrine Finance.

It’s important to act now to make the most of the current tax rules, avoid unexpected costs, and ensure your farm or business is in the best possible position heading into the new financial year.

What’s changing with double cab pickups?

From April, double cab pickups may no longer be classified as commercial vehicles for tax purposes. This reclassification could result in these vehicles being treated more like private vehicles, leading to higher taxes and increased running costs.

For farmers who rely on double cab pickups for their day-to-day operations, this change means the financial benefits previously available may no longer apply after April.

Why the end of the financial year is crucial

For farmers, March is a time for reviewing everything from equipment upgrades to vehicle purchases to ensure you’re taking full advantage of the available benefits.

By acting before the new regulations come into effect, you can secure the savings available under the existing system and include these investments in your year-end accounts. Waiting until after April could mean missing out on significant financial advantages.

How these changes affect farmers

If you delay your decision to purchase a double cab pickup, the reclassification could lead to higher costs and increased tax liabilities. This could affect your cash flow, leaving less flexibility for other essential expenses like machinery upgrades or livestock investments. Acting now ensures you avoid these challenges and keep your finances under control.

How we can help

we specialise in providing tailored finance solutions to support farmers and rural businesses. If you’re looking to purchase a double cab pickup before the tax changes, we can help you secure the funding you need quickly and efficiently.

Our team understands the unique needs of the agricultural sector and works to deliver finance options that suit your business goals. Whether it’s funding a vehicle or other end-of-year investments, we’re here to guide you every step of the way.

Act now and secure your savings

With the financial year-end fast approaching and changes to double cab pickups just around the corner, now is the time to act. Contact us today to explore your options and make the most of this crucial period.

📧 salesdesk@peregrinefinance.co.uk
📞 01904 405299

The post Changes you need to know about for the end of the financial year appeared first on Peregrine Finance.

What this means for Woldmarsh members

At Peregrine, we specialise in providing financial solutions to the agricultural, rural, construction and sustainable sectors. Through this introduction, we have the opportunity to present our financing options to over 1,100 Woldmarsh members. These members already benefitting from Woldmarsh’s cost-saving procurement services now have direct access to Peregrine Finance’s flexible and innovative financing options.

For us, this association strengthens our commitment to British agriculture, enabling us to extend our reach and offer more valuable support.

Why this introduction matters

For more than 60 years, Woldmarsh has been a trusted partner for farmers, offering access to competitively priced supplies and services ranging from fuel and machinery to utilities and professional advice. By introducing its members to Peregrine Finance, Woldmarsh aim to provide members with access to specialised financing options allowing them to invest in their businesses with confidence.

It’s important to note that Woldmarsh acts solely as an introducer and is not involved in any financial agreements or decision-making processes.

Woldmarsh members will now have the opportunity to access bespoke financial packages designed to:

Upgrade farm machinery
 Affordable finance options for tractors, combines and other essential equipment.

Expand livestock operations
Flexible finance for livestock purchases, feed and health management.

Fund renewable energy projects
Support for sustainable initiatives such as solar panels or biomass systems.

Support forestry and arboriculture projects
Financing solutions for forestry machinery, tools and land management needs.

Shared values and vision

Woldmarsh’s commitment to its members aligns perfectly with our dedication! We’re both focussed on supporting the farming community. Together, we’re creating an association that strengthens the backbone of British agriculture by combining cost-saving procurement with tailored financial solutions.

Looking ahead

We understand the unique demands of the farming industry. Whether it’s securing the latest agricultural technology, expanding your operations, or adopting sustainable practices, we’re here to support ambitions.

Get in touch

If you’re a Woldmarsh member interested in learning more about our financial services, contact our team.

We help farmers like you seize opportunities and overcome challenges, ensuring that your business thrives now and for generations to come.

The post Peregrine Finance Introduced to Woldmarsh members | Supporting farmers across the UK appeared first on Peregrine Finance.

What is Point-to-Point Racing?

Point-to-Point racing is a traditional form of amateur steeplechase racing, offering a fantastic day of competitive action in a relaxed and social setting. Held in the picturesque countryside at Charm Park, Scarborough YO13 9QU, this event attracts racing enthusiasts, rural businesses, and families looking for an unforgettable day at the races.

What You Could Win

Our giveaway includes:

• Two hospitality tickets to the Charm Park Point-to-Point
• A welcome drink on arrival
• A delicious lunch and wine on the table
• A chance to enjoy the atmosphere of rural racing in a prime location
  
  

How to Enter

For your chance to win, simply:

✅ Like our Instagram competition post
✅ Follow @peregrineassetfinance on Instagram
✅ Comment on the post, tagging the person you’d bring along
✅ Share the post to your story and tag us for an extra entry

Entries close on 24th Feb, and the winner will be announced on 25th Feb!

Why Are We Sponsoring This Event?

We’re passionate about supporting the rural and agricultural communities that make events like this possible. Our expertise in agricultural finance, farm machinery finance, and rural business funding makes us a trusted partner for farmers, landowners, and rural enterprises.

By sponsoring Charm Park Point-to-Point, we’re not only celebrating the sport but also connecting with the people and businesses that drive the industry forward. If you’re attending the event, come and say hello!

Terms & Conditions

Eligibility

The competition is open to UK residents aged 18 and over.

Employees of Peregrine Finance and their immediate family members are not eligible to enter.

Entry Requirements

To enter, participants must:
Like the competition post on Instagram.
Follow @peregrineassetfinance on Instagram
Comment on the post, tagging the person they’d bring.
(Optional) Share the post to their story and tag @peregrineassetfinance for an extra entry.

Entries must be received before the closing date stated in the competition post.

Prize Details

The prize consists of two hospitality tickets to the Charm Park Point-to-Point on Sunday, 2nd March 2024, including lunch, a welcome drink, and wine at the table.

The prize is non-transferable, non-refundable, and cannot be exchanged for cash or any alternative.

Winner Selection & Announcement

The winner will be selected at random from all eligible entries.

The winner will be announced via Peregrine Finance’s Instagram and contacted via direct message.

If the winner does not respond within 24 hours, a new winner may be selected.

General Conditions

This promotion is in no way sponsored, endorsed, or administered by Instagram, Facebook, or any other social media platform.

Peregrine Finance reserves the right to withdraw, cancel, or amend the competition at any time without prior notice.

By entering, participants agree to these terms and conditions.

For any queries, please contact salesdesk@peregrinefinance.co.uk.

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1. Buy in bulk and save on costs

When paying upfront for large quantities of seeds, fertilisers, or feed, suppliers often offer discounts that can significantly reduce the cost per unit. However, not every farmer has the cash flow to make bulk purchases. With input finance, you can take advantage of these discounts, saving money over time.

Example: Financing a bulk order of fertiliser might cost £300 in interest but could save £1,000 in bulk purchase discounts.

2. Avoid expensive emergency costs

Without input finance, you might resort to more costly alternatives when cash is tight, such as emergency credit or sacrificing input quality. Lower-quality inputs can lead to reduced yields, which ultimately impacts profits.

Pro tip: Use input finance to invest in reliable, high-quality materials to maximise crop or livestock productivity.

3. Maintain cash flow for unexpected expenses

Farming is unpredictable. Machinery breakdowns, weather-related issues, or market price fluctuations can disrupt your finances. By financing inputs, you free up working capital to handle these unexpected costs without compromising operations.

4. Reduce harvest-season pressure

Input finance often comes with repayment terms aligned with your farm’s income cycle. This means you can delay repayment until after the harvest when you have more cash on hand. Avoiding the pressure to pay upfront ensures smoother cash flow management throughout the season.

5. Leverage fixed interest rates to beat inflation

Rising input prices can make it harder to budget effectively. Many input finance providers offer fixed-rate loans, allowing you to lock in today’s prices and avoid the higher costs of inputs next season.

Is input finance right for you?

Think about your current operations and financial needs. Ask yourself if financing will enable you to purchase higher-quality inputs or buy in bulk to reduce costs. Consider whether there are discounts or early-order incentives you could take advantage of with additional funds. Finally, evaluate whether the repayment terms can align with your farm’s cash flow cycles, particularly if your income is tied to seasonal harvests.

If the answer to these questions is yes, input finance could be a valuable tool for reducing costs and improving profitability in the long run.

Get started with Peregrine Finance

We specialise in providing financial solutions for farmers, including input finance. We understand the challenges of agricultural cash flow and offer flexible options to suit your needs.

Ready to save money and maximise your yields?

Contact us today to learn more about how input finance can transform your farming business.

The post Can Financing Your Inputs Save You Money in the Long Run? appeared first on Peregrine Finance.

For many aspiring farmers however, accessing the resources they need to establish and grow their farming enterprises is challenging. This is where agricultural finance comes in, offering solutions to overcome financial barriers and support the next generation of farmers.

The importance of supporting young farmers

Young farmers are critical to the longevity and sustainability of UK agriculture. The average age of a UK farmer is 59, underscoring the need for generational renewal in the industry. Without young farmers, the sector risks stagnation, with fewer individuals available to adopt innovative practices and tackle pressing issues like climate change and food security.

Supporting young farmers not only strengthens the industry but also ensures that the agricultural sector remains competitive, and prepared for future challenges. However, they face several hurdles, particularly when it comes to securing the capital needed to start or expand their operations.

Key challenges faced by young farmers

Young farmers often face difficulties, including:

Limited access to land

High costs and competition make it difficult to purchase or lease farmland.

Financial barriers

Without significant savings or credit history, traditional lending options can feel out of reach.

Rising costs

The price of farm machinery, livestock, and inputs like seeds and fertilisers continues to climb.

Business complexities

Navigating the intricacies of running a farm as a business can be daunting for those just starting out.

These challenges can feel overwhelming, but agricultural finance provides tailored solutions to help young farmers overcome them.

How agricultural finance supports young farmers

Agricultural finance offers a range of flexible options designed to meet the specific needs of farming businesses, particularly for those at the start of their careers. 

Key ways it supports young farmers include:

Start-up capital

Financing for the purchase of essential equipment, livestock, or initial operating expenses.

Seasonal cash flow solutions

Loans designed to address the cyclical nature of farming, ensuring young farmers can manage costs during planting or harvest.

Innovation investments

Access to funds for adopting modern technologies like precision farming tools, renewable energy installations, or automated equipment.

Infrastructure

Financing options to develop infrastructure, such as sheds or crop and livestock systems.

By providing these targeted solutions, agricultural finance helps young farmers establish a solid foundation for their farming operations, enabling them to focus on growth and innovation.

How can we help

We specialise in helping young farmers overcome the financial challenges of building and growing their businesses. Whether you need funding to purchase livestock, upgrade your equipment, or invest in innovative farming solutions, our tailored agricultural finance services are designed to support your goals. From livestock finance to help expand herds or improve breeding stock, to farm machinery finance for accessing the latest technology without heavy upfront costs, we offer flexible options to suit your specific needs.

With expert guidance and repayment plans designed around the seasonal nature of farming, we make the financing process straightforward and stress-free. Our team understands the unique pressures of the agricultural industry and works with you to ensure you have the resources to thrive in 2024 and beyond. Get in touch today to see how our agricultural finance solutions can support your farming journey.

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