Agricultural Finance & Lending
Farm Finance: Calculators & Tools
The calculators and planners inside Farm Finance, and what each is for.
These tools use your own holding data rather than illustrative figures, and each one shows its method so you can check the working rather than trust the output.
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Seasonal Cashflow and Peak Borrowing
Find the point in the year when the business needs the most money, which is the number the facility has to cover.
How this is calculated
Income and costs are distributed across the year using the seasonal pattern for the enterprise type, then run as a monthly balance from the opening position. Peak requirement is the lowest point reached.
Scheme payment timing has a large effect on the peak and has historically been variable. Model it late rather than early.
Calculators and tools
Answers you can check, using your own numbers
Every calculator shows its method. If you disagree with an assumption you can see it, change it, and see what it does to the answer.
Four-Nation Scheme Eligibility Check
Answer six questions and see every UK support scheme your business is likely to be eligible for, ranked by indicative value.
Open the calculatorCrop Gross Margin Calculator
Work out gross margin per hectare for a crop, with the variable costs itemised so you can see where the margin actually goes.
Open the calculatorNutrient Requirement Calculator
Calculate a field nitrogen requirement from target yield, soil supply, manure credits and previous cropping.
Open the calculatorWoodland Income Stacking Calculator
See creation grant, maintenance payment, carbon units and biodiversity units modelled together over the project life, against the agricultural margin you give up.
Open the calculatorBiodiversity Unit Calculator
Estimate the biodiversity units a habitat creation or enhancement scheme would generate, and compare thirty years of income against the farming margin it replaces.
Open the calculatorFarm Carbon Footprint Estimator
A first-pass emissions estimate from the activity data most farms already have, showing where the emissions actually sit.
Open the calculatorInheritance Relief Exposure Model
Model qualifying property against the relief cap for an individual and for a couple, including the instalment option.
Open the calculatorRainwater Harvesting Calculator
Size the harvest available from your roofs, the storage needed to make it reliable, and the payback against what you currently pay for water.
Open the calculatorTrue Machinery Cost Calculator
Work out what a machine actually costs per hour and per hectare, including the depreciation nobody sees in the cashbook.
Open the calculatorCost of Herbicide Resistance Calculator
Apply the published margin penalty from resistant blackgrass to your own area and pressure, and see what a cultural programme is worth.
Open the calculatorMargin Over Purchased Feed
The weekly number that tells a dairy business whether it is making money, calculated from your own milk price and feed cost.
Open the calculatorCost of Liveweight Gain
What a kilogram of gain actually costs, so a store purchase decision is made on the number rather than on the day.
Open the calculatorHedgerow Income Calculator
Every metre of boundary, mapped to every scheme action that could pay for it, in your nation.
Open the calculatorSolar Self-Consumption and Payback
The return on farm solar is driven by self-consumption, not by generation. This works out both.
Open the calculatorAnnual Forage Budget
Balance what the grassland will grow against what the stock will eat, and find the deficit before it becomes a feed bill.
Open the calculatorGrain Drying Cost Calculator
The cost of taking each percentage point of moisture out of a tonne of grain, and whether it beats the drying deduction.
Open the calculatorSpray Buffer Zone Checker
Work out the no-spray distance required for a product next to a watercourse, and whether a reduction applies.
Open the calculatorSeasonal Cashflow and Peak Borrowing
Find the point in the year when the business needs the most money, which is the number the facility has to cover.
Open the calculatorAssurance Audit Readiness Score
Ten questions that predict most audit non-conformances, scored with a prioritised list of what to fix first.
Open the calculatorBreak-Even Selling Price
The price below which selling loses money, calculated from your own cost of production.
Open the calculatorAbstraction Licence Position
Where you are against your authorised volume, and how many days of headroom remain at current use.
Open the calculatorCost Per Kilogram of Nutrient
Compare fertiliser products on what actually matters — the cost of the nutrient, not the price of the bag.
Open the calculatorGlamping Unit Appraisal
Break-even occupancy for a proposed unit, including the utility and access costs that are usually forgotten.
Open the calculatorInteractive
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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Payment schedule
What is due, and when it lands
Farm support arrives in instalments from several bodies on different calendars. Set against your own overdraft, the question is not how much but when — so the ledger is ordered by date, not by scheme.
| When | Payment | From | Amount | Status |
|---|---|---|---|---|
| February | Farming Transformation Fund | Defra / Rural Payments Agency | — | Expected |
| June | Improving Farm Productivity Grant | Defra / Rural Payments Agency | — | Agreed |
| June | Environmental Land Management Capital Grants | Defra / Rural Payments Agency | — | Eligible |
| June | Sustainable Farming Incentive 2026 | Defra / Rural Payments Agency | — | Eligible |
| March | Countryside Stewardship | Defra / Natural England / Rural Payments Agency | — | Eligible |
| December | Farming Equipment and Technology Fund | Defra / Rural Payments Agency | — | Eligible |
- — Agreed and scheduled
- — Claimed, awaiting payment
- — Eligible, unclaimed
What the statuses mean
- Agreed
- Under a signed agreement with a scheduled payment date.
- Expected
- Claimed and assessed; payment date per the published standard.
- Eligible
- Your holding appears to qualify but nothing is claimed yet.
Free download
Building a Lending Case on Operational Evidence, Not Just Land Value
A practical handbook, written for UK farm businesses, with the sources cited and the working shown. No sales call attached — the guide is the point.
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