Agricultural Finance & Lending
Farm Finance: Case Studies
Worked examples showing how the module is used in practice.
The examples below are illustrative worked cases built from the module design. Named customer references are published only with written consent.
Worked example
How a business like yours would use Farm Finance
The problem: Needs a lending case built on operational evidence, not just land value.
What they do
- Register existing facilities and security
- Build the cashflow forecast
- Identify the funding requirement and timing
- Assemble the application pack
What changes
- Cost of borrowing
- Covenant headroom
- Peak working capital requirement
This is an illustrative worked example built from the module design, not a customer reference. Named case studies are published only with the business's written consent.
In the field
Farm finance, as it actually looks
Photography from working UK holdings alongside the interface that records it. Every frame below is a commissioned slot: the brief is stated until the photograph is taken.
Farm Finance — a walkthrough
A working pass through farm finance: entering the record once, and watching it appear in the evidence pack, the calendar and the scheme application without being typed again.
- 0:00 What the module is for
- 0:48 Entering the record
- 2:05 Where it appears next
- 3:20 The evidence pack
Photography slots state their own brief until the shot is commissioned, so the layout never shifts when real images arrive.
What we are hearing
The problems people describe to us
These are composite statements drawn from user research conversations, not attributed customer quotes. We publish named references only with written consent.
I am not short of software. I am short of one place where the same field means the same thing in all of it.
The scheme closed on a Tuesday evening. I had the application half built. Nobody told me the budget was nearly gone.
We farm on both sides of the border. Everything takes twice as long and I still cannot see the whole position on one screen.
Audit week costs me three days. Every single record they ask for is already written down somewhere on this farm.
- 12
- Capabilities in this module
- 5
- Interactive tools
- 3
- Linked support schemes
- 5
- Data integrations
- 5
- Measures reported
Measurement
How you will know it is working
The module reports against these measures from the day it is switched on, so the value is demonstrable rather than assumed.
- 01Cost of borrowing
- 02Covenant headroom
- 03Peak working capital requirement
- 04Interest as a proportion of farm business income
- 05Application approval rate
Obligation calendar
What farm finance asks of you, and when
Windows, deadlines and recurring obligations for England. Set a different nation and the calendar reconfigures; farm across a border and it shows both, reconciled.
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February 1 entry
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3 February: Animal Health and Welfare Pathway
Rolling application.
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March 1 entry
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12 March: Identify the funding requirement and timing
A recurring step in farm finance.
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April 1 entry
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20 April: Adding Value Grant
Round-based.
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June 3 entries
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5 June: Farming Transformation Fund
Round-based by theme.
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15 June: Sustainable Farming Incentive 2026
Two windows in 2026: window one from 30 June, window two from September.
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25 June: Register existing facilities and security
A recurring step in farm finance.
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July 2 entries
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14 July: Slurry Infrastructure Grant
Round-based.
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17 July: Water Management Grant
Round-based.
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August 1 entry
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10 August: Build the cashflow forecast
A recurring step in farm finance.
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September 1 entry
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12 September: Assemble the application pack
A recurring step in farm finance.
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October 1 entry
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5 October: Farming Equipment and Technology Fund
Round-based, usually open for a defined application period.
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November 2 entries
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12 November: Improving Farm Productivity Grant
Round-based.
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27 November: Environmental Land Management Capital Grants
Round-based, with rapid allocation once open.
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December 1 entry
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26 December: Countryside Stewardship
Rolling and round-based depending on the tier and option group.
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Government cannot currently see, in real time, where its own farming budget is going. A scheme was closed overnight because the cap had been reached, and hundreds of millions of pounds went unspent over three years because replacement schemes were not ready. The evidence for change is government's own.
See Farm Finance running on your own holding
Thirty minutes, using your parcels, your schemes and your enterprises rather than a sample farm. No obligation and no sales script — if it does not fit your business we will say so.
- Free tier available
- No card required
- Your data stays yours