The client was a multi-generational farming family holding several hundred acres of agricultural land, with additional commercial and residential assets held within a family structure. Income was diversified across farming operations, land leasing, and retained profits, creating complexity for traditional agricultural lenders focused on operating income alone. The client required liquidity to consolidate existing borrowings while retaining long-term land ownership.
Million Plus Private Finance positioned the case with a specialist lender experienced in rural estates, presenting the wider balance sheet, land quality, and long-term asset value. Valuations reflected both agricultural use and strategic land positioning. A structured facility was arranged against the land portfolio using a flexible repayment profile aligned with cashflow variability.
The outcome was a multi-million-pound agricultural property finance facility secured against the farmland portfolio, enabling consolidation of liabilities while preserving long-term land ownership. The structure improved capital optionality across the estate, reduced reliance on operating cashflow, and supported continuity of ownership aligned with the family’s long-term stewardship objectives.
