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Farm & finance · News & views

Alternative finance - the opportunities for farm and rural businesses

Our main focus is finding our clients the most appropriate finance through the high street banks, farming lenders and private banks. But the number of alternative lenders are growing and here we explain their benefits.

Brexit – where now for bank lending to farms and rural businesses and for interest rates?

It went down to the wire but the people of the United Kingdom voted to leave the European Union (EU). What does it mean for banking, interest rates and farming? 

Avoid taking the easy funding options when things get hard

Farm incomes are being hit and profits squeezed by the drop in farm gate prices. It’s leading to cash-flow problems for many farmers. While quick, short-term alternatives for finance sometimes look the easiest option to help struggling farmers out of cash shortages, we caution that these are often expensive and can be damaging. The farm profits squeeze is being reflected in the level of borrowing by farm business and being seen in farm sales reports.

Brexit – are we any closer to knowing the impact of an in or out?

Have the farming industry questions on how an EU exit would affect farmers been answered? We look at the outstanding points and what happens next.

Reviewing farm borrowings could alleviate cashflow pressures or create flexibility in the business

Three years of downward pressure on commodity prices is paying its toll on many producers. A regular review of farm finances and their costs is always important and even more so in times when cashflow is under pressure.

Brexit - the future and current consequences for British farmers

The date is set. Prime Minister David Cameron is to hold a referendum on the future of Britain’s EU membership on 23 June 2016. The influence of the EU on British farming is enormous. Opinions whether Britain should stay in or get out of the EU are divided amongst farmers and even the Government’s farming ministers, with Defra Secretary Liz Truss declaring she’s ‘in’, and Junior Minister George Eustice joining the ‘out’ camp.

Why use a mortgage specialist and what to look for when choosing one?

It takes time to find the right lender and then to negotiate a suitable deal. You can go direct to banks, but the support of an expert can lead to better outcomes. What should you look for when choosing mortgage advice for your farm or rural business? 

Bank base rate rise – is it out of sight?

For farming and rural businesses experiencing a slump in commodity prices, continuing low interest rates and a low cost of borrowing will bring considerable relief. But when will rates rise and what should farm and rural business do to prepare?

Why farm consultants are an investment in your farm’s future

Investment in the services of consultants with specific skills appropriate for the job should be regarded as an investment in future farm profitability. We whos you how farm businesses can benefit from the support of professional advisers. 

Working with professional advisers to find suitable rural finance solutions for clients

Are you a professional adviser working in or with the land-based industries? At R&BS we work closely with professional advisers to source mortgage finance for their clients. We explain how you and your clients can benefit from our support.

Bank base rate – the moveable feast continues

The economy looks as thought it could be on the road to recovery. But what are the indications of a move in interest rates, and what are the implications and farms and rural business?

Business plans are key to securing farm, equestrian and rural business finance and mortgages

Get your business plan right and you earn the trust of lenders, suppliers and staff. Get it wrong and you may not even get your business ideas off the ground. We give you some tips on how to prepare an effective business plan.