Agricultural Finance

Farm Shop Finance: Equipment & Fit-Out Funding

Asset finance, commercial mortgages and working capital solutions for farm shops, rural delis and direct-to-consumer farm retail businesses across the UK.

Equipment Finance 100%

Decision 48hr

Max Term 7yr

Lenders 130+

Overview

Farm shops and direct retail have become a cornerstone of farm diversification, driven by consumer demand for local provenance and farm-to-fork transparency. Whether you are fitting out a new barn-based retail space, investing in refrigeration and butchery equipment, or expanding an existing farm shop into a larger premises, specialist finance makes the investment manageable without depleting farming working capital. Doulton Bridging Finance works with lenders who understand rural retail and can fund the full spectrum of farm shop investment.

Finance Options for Farm Shops

Equipment & Fit-Out

Hire purchase or finance lease for refrigeration units, deli counters, butchery equipment, checkout systems and shopfitting. Terms 3–7 years, typically 100% finance on approved equipment.

Building Finance

Where the farm shop occupies a standalone building, a commercial mortgage can refinance or fund the property element. Rates from 6.4% APR with specialist rural lenders.

Stock & Launch Funding

Revolving credit facilities and unsecured business loans support initial stock purchase, marketing spend and working capital during the first trading season of a new farm shop.

Eligible Farm Shop Assets

Asset Type	Typical Finance	Indicative Rate
Commercial refrigeration	Hire Purchase / Finance Lease	From 6.5% APR
Butchery & preparation equipment	Hire Purchase	From 6.8% APR
Shopfitting & interior fit-out	Finance Lease	From 7.2% APR
EPOS & payment systems	Operating Lease	Monthly rental
Vehicle for deliveries/collections	Hire Purchase / Finance Lease	From 6.4% APR
Farm shop building	Commercial Mortgage	From 6.4% APR

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The figures on this page are indicative. Send us your scenario and we will come back the same working day with options from our panel of 130+ lenders.

0204 6211776

Whole of market · 130+ lenders · FCA 814533 · Same working day response

FAQs

Frequently asked questions

Can I finance the fit-out of a new farm shop without property security?

Yes. Equipment and fit-out finance is asset-based: the equipment itself provides the security. This means you can access finance without a charge on land or property, which is often important when farmland is already used as security for other borrowing.

What deposit is required for farm shop equipment finance?

Many lenders offer 0% deposit hire purchase on agricultural and rural retail equipment for established businesses. Start-up farm shops may require a 10–20% deposit depending on the lender and asset type.

Can a new farm shop business access finance?

Yes, though lenders for brand-new enterprises (under 12 months trading) will typically require a business plan, personal guarantees and sometimes additional security. We work with lenders who specialise in start-up rural retail businesses.

Is farm shop finance available for online or delivery-based farm businesses?

Yes. Where a farm sells direct-to-consumer online, finance is available for cold storage, packing and processing equipment, refrigerated delivery vehicles and other operational assets - all as standard equipment finance.

How quickly can farm shop equipment finance be arranged?

Equipment finance decisions are typically issued within 24–48 hours and funds can be released within 3–5 working days of a clean application. This makes asset finance one of the fastest ways to fund a farm shop launch or expansion.

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Asset finance for business purposes is not regulated by the FCA. Rates shown are indicative as at October 2026 and depend on credit profile, term, asset and deposit. We act as a credit broker, not a lender. Your asset may be repossessed if you do not keep up repayments.