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15 years of R&BS – how the market has changed and what's changing

It’s been 15 years since R&BS was founded. Several significant changes over that time have made it an interesting period for us and our clients. Find out what they are and the strategies farm and rural businesses can adopt to capitalise on these changes. 

15 years of R&BS – how the market has changed and what's changing

Where next when ‘the computer says no’?

We are seeing many lenders move towards using more computer-based technology to make automated decisions on lending cases. If ‘the computer says no’ and if there's no relationship or bank manager to influence any lending decision, how do you get finance?

Where next when ‘the computer says no’?

Agriculture Bill 2018: now is the time to start planning

The long-awaited details of the new Agriculture Bill have been announced. All farm businesses must begin to plan ahead to ensure they are in a strong position and can cope with the loss of subsidy income. Professional guidance - including business finance advice -will be crucial in the years ahead.

Agriculture Bill 2018: now is the time to start planning

Bank restructuring – what should farmers do if they are not happy with their new relationship

More banks are restructuring their businesses to cut costs. As a result many farms are losing their bank manager or being moved to telephone banking staff with no understanding of farming. We give our tips for those who aren't happy with these changes.

Bank restructuring – what should farmers do if they are not happy with their new relationship

The changing role of private banks in the rural finance marketplace

Private banks have traditionally serviced high net worth clients. But these banks are changing their lending criteria, and are likely to appeal to more farming clients.

The changing role of private banks in the rural finance marketplace

Permitted development of farm buildings – the finance options

The April 2018 changes to permitted development rights for agricultural buildings present opportunities for farmers. For those needing finance, we explain some of the different finance options for farmers depending on their circumstances and long-term plans.

Permitted development of farm buildings – the finance options

Good farm and rural mortgage deals to be had, if you know where to look

Farm borrowing is continuing to rise, but banks are becoming more regulated and stringent with their lending. We look at the different types of lenders in the farm and rural mortgage market and the margins currently possible.

Good farm and rural mortgage deals to be had, if you know where to look

What questions should you ask when preparing a business plan?

A business plan is an essential document to put in front of your bank manager when you are discussing finance. We set out some of the subjects and questions you should ask yourself when preparing a plan.

What questions should you ask when preparing a business plan?

Will interest rates be on the move soon?

Opinions on whether the Bank of England base rate will increase from its low of 0.25% have been divided for some time. We look at the arguments for and against, and tell you what this means for farm and rural businesses.

Will interest rates be on the move soon?

Bank reorganisation – what it means for farmers and what can you do

Many banks and financial institutions are cutting costs by restructuring their businesses. This can mean a change in bank manager or a move to a telephone service. We look at what is happening and what you can do if you are unhappy or struggling with your new banking arrangements.

Bank reorganisation – what it means for farmers and what can you do

Loyalty to your lender could be an expensive mistake

90% of small businesses get their loans from their main bank, with no shopping around for other lenders. Have you ever compared your bank's rates, terms and conditions against other lenders? You could end up saving money or being in a more flexible position.

Loyalty to your lender could be an expensive mistake

R&BS strengthen presence in the South West of England

We are delighted to have appointed an experienced agricultural banker, Peter Reynolds, to strengthen the R&BS team in the South West. Peter has 34 years experience with NatWest, including 16 years as a relationship manager for agriculture and rural businesses.

R&BS strengthen presence in the South West of England