• Diversify your income
  • Run efficient machinery
  • Use the latest technology
  • Support seasonal cashflow
Excellent 300+ reviews 4.6 stars 200+ reviews


  • Diversify your income
  • Run efficient machinery
  • Use the latest technology
  • Support seasonal cashflow
Excellent 300+ reviews 4.6 stars 200+ reviews
  • Both a lender and broker

  • Farming industry finance since 2007

  • Expert personal service

Inflation is on the increase and comes at a time when we are seeing dramatic shifts in agricultural supply chains and a period of direct subsidy reductions. Inflation may ebb and flow, but for farmers, it’s the timing of the current rise that is the problem. It’s never been more important for farmers to know their business and plan for the future. Having the right finance partner could prove indispensable in the coming months.


Protect against rising interest rates

Inflation is on the up, largely because consumer demand has returned but supply chains are yet to catch up. This could mean that base rates and borrowing costs could continue to rise in the coming months. If you’ve got long-term debt, it’s best to be proactive now and look at ways you can fix rates if possible or buy the equipment you need before the cost of finance increases further. Portman can help you sort this out.


Cover temporary cashflow issues

It’s going to take time for the loss of skilled EU workers to be replaced. Similarly, it’s going to take a while for the economy to rebalance. Overall, economic growth looks robust for the coming year, but rising costs will put a damper on profits. Short term finance solutions can help bridge acute periods, including cashflow challenges. With Portman, you will always have a dedicated account manager – a single point of contact that will understand your situation and work with you on a solution.

Our team of experts is ready to help

Government will support the entrepreneur

COVID, Brexit and global disharmony will continue to cause turbulence for everyone. Government policy favours the entrepreneur, which new farming policy mirrors: protect the environment, pay farmers for services, but cut social welfare support. This environment suits those that can think on their feet – diversifying or pivoting to more profitable or better supported areas. Portman can support you in tackling this challenge with confidence.


Ride out the price hike spike

So, it’s a story that farmers will find very familiar – the next couple of years will be a bit of a rollercoaster. We’re looking at a profit forecast for the whole agricultural industry reverting back to 2020 levels. Hopefully, some cost increases such as energy and fertiliser, will be short term; increases in labour and machinery though seem more long-term. It’s critical to your business continuity to maintain your purchasing ability through this period, which Portman can support you with.

How can we support your Farming business

The first and best investment you can make right now is in a phone call. Call Portman today and we’ll walk you through how we can help you in the coming months. We’ll appoint you a dedicated account manager so you’ve got a real live person to call should you need a bit of support further down the line.
icon Hire Purchase

Hire purchase usually involves paying the VAT and a deposit up-front. Fixed monthly repayments are then made, affected by whether you pay off the entire loan over the term or chose a final balloon payment. The final option to purchase is guaranteed for a nominal fee, transferring ownership of the asset to the customer.

Hire purchase is well-suited for situations where a company definitely wants to own the item at the end of the term, often where the asset has a significant usable lifespan, a high residual value and will not need to be upgraded.

Explore Hire Purchase
icon Lease Finance

Equipment leasing allows a business to acquire hard or soft assets without the upfront costs associated with large purchases. A lender purchases the item, the business then leases it through fixed monthly payments over an agreed term.

Typically, asset finance is provided for high value ‘hard’ assets such as machinery, equipment, or vehicles, but Portman also arranges asset finance for ‘soft’ assets such as IT, fitness, catering, or vending equipment, as well as premises fit-outs, furniture or even air-conditioning.

Explore Lease Finance
icon Business Loans

Business loans are a way of borrowing money, which is repaid in monthly instalments, including interest, over an agreed term. Business loans are a common way to help smooth out cashflow fluctuations and take opportunities where otherwise they could be missed due to a lack of working capital.

Business loans can be secured or unsecured. Portman typically provides unsecured loans which can be more flexible and do not require collateral but are likely to require a personal guarantee. Secured loans are tied to an asset which the lender can claim ownership of if repayments are not made, these may be used in equipment refinance deals.

Explore Business Loans
icon Start Up Loans

New businesses often need an injection of finance to get them off the ground. Asset finance for new businesses allows you to focus on running your company and bringing in customers, confident that you have the equipment, vehicle or stock you need without the large initial outlay.

Using finance for your equipment means that you preserve the credit card or overdraft for contingency and operating expenses when the unexpected happens.

Explore Start Up Loans
icon Equipment Refinance

If you recently bought a high-value item outright but would now prefer to have financed it, we can help with a sale-and-lease-back agreement. If the item is less than 3m old, give us a copy of the invoice and we will calculate the current value. After a few checks and acceptance of the term and monthly repayments, we can give you the cash equivalent of the invoice to put back into the business. You’ll then make fixed monthly payments including interest, whilst your asset earns you money.

If your business owns high value assets that are not currently on finance, subject to a valuation, it is also possible to use them as security for a loan, with lenders offering a cash loan up to a % of the asset’s value.

Explore Refinance
icon Recovery Loans – Ending June 30

With no personal guarantee up to £250k, Recovery Loans offer an excellent way of making sure your business gets back on its feet after the effects of the pandemic. Many businesses affected by the Covid-19 pandemic and its restrictions can access the UK government’s Recovery Loan Scheme (RLS), providing UK SMEs with better access to finance.

Recovery Loans can be used for any legitimate business or simply provide cashflow. Up to £350k can be borrowed on terms from 2 to 6 years and with no personal guarantee up to £250k, your personal wealth is not at risk.

Explore Recovery Loans

Having the opportunity to offer a lease option on a commercial fit out which covers the partitioning, carpets, and furniture – all of the items you would think you couldn’t lease- is fantastic. It means that our clients can keep the same specification, rather than having to cut down and restrict elements of the project. As a contractor, it also means we can get a deposit up front, which secures our labour and materials.

I gave George at Portman a ring, he was really helpful and laid out all the options. We ended up spreading the payments over three years- it is a very simple, straightforward agreement and the decision was back in 24 hours. The whole Portman experience has been fantastic.

From the first call, they were very friendly and very helpful – our Account Manager guided us along the way for our first finance agreement and we’ve never had a problem since. We used them again for the new press six years down the line.

Portman enabled us to spread the cost of purchasing the equipment for our trampoline park, which meant we could use extra marketing channels and launch the business the way we wanted to. If we hadn’t been able to spread the cost of our initial fit out, we probably wouldn’t be in the position we are today.

My Account Manager, Jordan has helped me out from the top to the bottom and I really appreciate what he has done for me. He’s made it a smooth journey for me and was great at keeping me up to date over the phone and would even respond to emails out of hours which I really appreciated.

With the support from Portman, Georgia opened her stunning restaurant in Chelsea, London and has since received a considerable amount of success, receiving glowing reviews about the food, beautiful location and her hard working team.

Lamen needed the finance to secure his dreams. Lamen was assigned one of our dedicated Account Managers, making his process as simple and easy as possible. Portman were able to provide the finance to lease all his Kitchen Equipment so he could stay ahead in the competitive market.

How does it work?

We make things easy

We know that finance can sometimes be confusing and stressful, but what we do is simple.


1. Get started in 1 minute.

Enquire without affecting your credit score.


2. Understanding your business.

A dedicated account manager will discuss your needs and collect documentation.


3. Our experts do the leg-work.

We find the right deals, complete applications on your behalf and get you a no obligation quote.


4. Your no-fuss finance is funded.

If accepted, your assets will be bought and delivered or the finance released to your account.

Enquire today
Successful Farming businesses protect, invest and evolve.
Unlock your potential with Portman Asset Finance.