Agriculture Transition Finance

Supporting UK farmers transition to regenerative farming, helping to build resilience for the future.

What is Agriculture Transition Finance?

Agriculture Transition Finance is designed to help UK farmers who wish to adopt regenerative farming techniques to become more resilient for the future.

It’s been developed following extensive research and conversations with farmers and industry stakeholders to offer financial support and improve confidence through the transition. Available for both refinancing existing loans and new lending, it combines financial flexibility with sustainable outcomes.

Key features

It’s practical, farmer-focused and designed to deliver long-term value.

Fee-free lending with terms of up to 25 years

Supporting you at every stage of your regenerative journey.

Up-front interest-only period of up to 5 years1

Easing cash flow during the transition phase.

Flexible drawdown capability2

Allowing you to access funds when you need to.

Available for all farming sub-sectors

Including arable, horticulture, livestock, dairy and mixed farm.

1Up-front capital repayment holiday available where appropriate, provided it aligns with your business needs.

2Flexible drawdown capability only available on Variable Rate Loans, with minimum drawdowns of £25,001.

How regenerative agriculture can help your business*

 

Improved profits and resilience

Farms adopting regenerative practices generally see lower input costs and greater resilience.

 

Enhance food security

Healthier soils and diversified systems could reduce yield volatility and make farms less exposed to flood and drought risk.

 

Environmental and nature benefits

Practices like cover cropping, reduced tillage and livestock integration can help restore soil health, boost biodiversity and sequester carbon.

Improved profits and resilience

Farms adopting regenerative practices generally see lower input costs and greater resilience.

Enhance food security

Healthier soils and diversified systems could reduce yield volatility and make farms less exposed to flood and drought risk.

Environmental and nature benefits

Practices like cover cropping, reduced tillage and livestock integration can help restore soil health, boost biodiversity and sequester carbon.

*Based on Savills’ research, commissioned by Lloyds, 2025.

Are you eligible for Agriculture Transition Finance?

To support your move to regenerative agriculture, speak to your relationship manager or contact us and we can help assess if you are eligible. 

Contact us

Contact us

Request a callback from a specialist, who can discuss Agriculture Transition Finance in detail.

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Check if your business can apply

There’s a minimum criteria your business will need to qualify for Agriculture Transition Finance. The criteria has been developed with industry partners. You must either:

  • make a commitment to meet the required criteria within 24 months

or

  • already meet the criteria at the time of application
  • only available for businesses with an annual turnover between £3 million and £25 million.

Keep in mind

Finance is available for refinancing existing loans and new lending, however:

  • eligibility is subject to lending assessment, client status and application outcome

and

  • you must show us evidence of your eligibility, and we will monitor progress against future commitments.

Working with partners to support farmers

We have worked with Savills, who have reviewed research from over 220 sources, looked at 45 case studies, and held farmer and industry stakeholder conversations to develop our Agriculture Transition Finance product. Farmers can now access a financial solution that works for them whether they have already started to change their farming practices, or are ready to do so.

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Sustainable finance

Discounted lending options to support your business's sustainability strategy.

Sustainable finance

All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business.

PROPERTY GIVEN AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT.

You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.