Agricultural Finance & Lending
Farm Finance: Features & Capabilities
Every capability in Farm Finance, grouped by what it is for.
Farm Finance carries 12 capabilities and 5 interactive tools. They are grouped below by what they are for rather than by which screen they live on, because the underlying record is shared.
Capabilities
What Farm Finance does
Every capability below is built on the same underlying record, so entering something once is enough for it to appear wherever it is needed.
Record and plan
- Facility register covering term loans, overdrafts, asset finance and leasing
- True cost of borrowing comparison including fees, arrangement and early repayment
- Cashflow forecasting with seasonal working capital requirement
Operate and monitor
- Lending application pack assembly with accounts, budgets and performance evidence
- Covenant monitoring with headroom tracking and breach alerting
- Security register showing what is charged and to whom
Comply and evidence
- Asset finance appraisal against outright purchase and contract hire
- Interest rate exposure and sensitivity modelling
- Grant match funding integration with the scheme engine
Analyse and improve
- Refinancing appraisal when facilities approach renewal
- Lender reporting pack generation on the required cycle
- Debt serviceability stress testing against price and yield scenarios
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.
In practice
Six things Farm Finance changes on day one
None of these requires a new process. They all come from recording the work you already do, once, in a form the rest of the platform can use.
Facility register covering term loans
Facility register covering term loans, overdrafts, asset finance and leasing.
True cost of borrowing comparison
True cost of borrowing comparison including fees, arrangement and early repayment.
Cashflow forecasting with seasonal working
Cashflow forecasting with seasonal working capital requirement.
Lending application pack assembly with
Lending application pack assembly with accounts, budgets and performance evidence.
Covenant monitoring with headroom tracking
Covenant monitoring with headroom tracking and breach alerting.
Security register showing what is
Security register showing what is charged and to whom.
By nation
The same job, four different sets of rules
Delivered by: Defra, the Rural Payments Agency, Natural England, the Environment Agency and the Forestry Commission.
Main scheme: Environmental Land Management, with the Sustainable Farming Incentive as the principal offer alongside Countryside Stewardship, capital grants and Landscape Recovery.
Delinked payments end after 2027. Windows have closed at short notice before, so budget-fill status is worth watching.
Delivered by: The Scottish Government and the Rural Payments and Inspections Division.
Main scheme: A four-tier framework under the Agriculture and Rural Communities (Scotland) Act 2024, with base and enhanced direct payments and elective and complementary tiers following.
Whole Farm Plan components are a condition of support and phase in over several years. Miss a component and the payment is at risk.
Delivered by: The Welsh Government and Rural Payments Wales.
Main scheme: The Sustainable Farming Scheme, with Universal, Optional and Collaborative layers, replacing the legacy area payment which phases out by 2029.
The Universal layer requires twelve actions, at least ten per cent habitat and a farm carbon baseline. Welsh language provision is a legal expectation, not an optional extra.
Delivered by: DAERA.
Main scheme: The Sustainable Agriculture Programme, with the Farm Sustainability Payment as the area-based safety net alongside beef, suckler, sheep, protein crop and horticulture schemes.
Conditionality now includes soil nutrient health and bovine genetics participation, and progressive capping applies above sixty thousand pounds.
Interactive
Tools you actually use, not screens you read
These are working interfaces inside the module — maps, calculators, planners and dashboards that respond to your own holding data.
Cashflow forecaster with seasonal peak working capital identified
Cashflow forecaster with seasonal peak working capital identified
ToolTrue cost of borrowing comparator across competing facility offers
True cost of borrowing comparator across competing facility offers
ToolCovenant headroom dashboard with forward projection
Covenant headroom dashboard with forward projection
DashboardServiceability stress test with price and yield sliders
Serviceability stress test with price and yield sliders
ToolAsset finance versus purchase comparator over the asset life
Asset finance versus purchase comparator over the asset life
ToolObligation 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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Compared
Where Agrivencia differs from what already exists
The UK already has strong point tools. What it does not have is one record spanning them, or one view spanning four nations. That gap is the entire proposition.
| Agrivencia | Single-purpose farm software | Government portals | |
|---|---|---|---|
| Covers all four nations | Yes, each as a first-class tenancy | Usually one nation | One administration each |
| One record across domains | Yes — 84 modules, one data spine | Within its own domain only | Within its own scheme only |
| Scheme rules held as data | Yes, updated the day rules change | Rarely | Authoritative but not reusable |
| Assurance evidence auto-assembled | Yes, from operational records | Partially, per scheme | Not applicable |
| Whole-farm income optimisation | Across schemes and nature markets together | No | No |
| Offline field capture | Yes, designed first | Varies | Generally no |
| Marketplace and commerce | Multivendor with verification and escrow | Separate platforms | Not applicable |
| Farmer-owned data export | Published charter, open formats | Varies considerably | Limited |
This comparison describes categories of product rather than named competitors, and reflects our own assessment. Any specific product should be evaluated on its current published capability.
Data model
What the module records, and how it connects
These are the entities the module maintains. Because they are shared across the platform rather than owned by one screen, a record created here is available everywhere it is relevant.
- Facility
- Lender
- Security
- Covenant
- Drawdown
- Repayment
- Cashflow forecast
- Application pack
Every entity carries a full audit trail and is exportable in open formats under the Farm Data Charter.
Questions answered
What people ask about Farm Finance
Does this replace the software I already use?
Not necessarily. Agrivencia integrates with authoritative sources and mainstream packages rather than insisting on replacing them. Where an incumbent does one job well, the platform connects to it; where the job spans several systems and nobody does it, the platform does it.
Will it work where I have no signal?
Yes. Field capture in Farm Finance is offline first, storing locally and synchronising when a connection returns. Only around a fifth of UK farms report reliable signal across the whole holding, so this is a design assumption rather than a feature.
What happens when the scheme rules change?
Scheme rules are held as data rather than code, so a rate change, a cap change or a window closure is a content update that takes effect the same day. The platform also alerts you to what the change does to your own position.
Who owns the data I put in?
You do. The Farm Data Charter gives you a complete export in open formats at any time, and every instance of data sharing requires an explicit, revocable consent that is visible in your account.
Does it work if I farm across a border?
Yes, and that is one of the main reasons the platform exists. A business with land in more than one nation sees one reconciled view rather than two portals, with obligations and deadlines from both administrations in a single calendar.
Can my agronomist or land agent use it too?
Yes. You grant scoped, time-limited access per holding and per module, and you can revoke it in one click. Advisers never get a shared password or a blanket view.
What is the biggest limitation of this module?
Covenant breach discovered late. Mitigated by continuous headroom monitoring. We would rather state that plainly than let you discover it after signing.
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