Agricultural Finance

Slurry & Waste Management Finance

With tightening environmental regulations and NVZ compliance requirements, investment in slurry storage is increasingly essential. This guide covers finance options, rates and lenders.

Why Finance Slurry & Waste Management Infrastructure?

The Farming Rules for Water, Nitrate Vulnerable Zone (NVZ) regulations and upcoming changes to slurry storage requirements are driving significant on-farm capital investment. New slurry stores, lagoon expansions and biodigester installations frequently cost £200,000–£1 million or more - a level of investment that makes structured finance essential for most farming businesses.

Slurry & Waste Finance Rates - October 2026

Asset TypeLenderRate FromTypical Term
Slurry store (concrete)Lombard5.8% APR5–10 years
Slurry lagoon (lined)Close Brothers6.2% APR5–10 years
Biodigester installationShawbrook6.4% APR7–10 years
Slurry separator & equipmentClose Brothers6.2% APR3–7 years

What Can Be Financed?

Concrete Slurry Stores

Above-ground and below-ground concrete slurry tanks, including covers and pumping systems.

Lined Lagoons

Earthwork lagoon construction with high-density polyethylene or butyl liner, covers and agitation systems.

Biodigesters

On-farm anaerobic digestion plants for slurry and organic waste - can be combined with FIT/grid connection infrastructure.

Separators & Pumps

Slurry separators, umbilical pumping systems and tankers can be financed as standalone or combined assets.

Grant Funding & Finance

Slurry infrastructure investment often attracts grant funding (e.g. the Slurry Infrastructure Grant under the Farming Investment Fund in England). Finance can be structured alongside grants, with the loan covering the non-grant element of the project cost. Discuss your grant application status with us at enquiry stage.

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FAQs

Frequently asked questions

Can I finance a slurry store that is needed for NVZ compliance?

Yes. Slurry storage required for NVZ compliance is financed in exactly the same way as any other agricultural infrastructure. Lenders do not treat regulatory-driven investment differently.

Can I combine grant funding and asset finance for slurry infrastructure?

Yes. Finance can be structured to cover the non-grant element of a project. Discuss your grant application reference and expected award with us so we can structure accordingly.

How long can slurry store finance run?

Up to 10 years for concrete stores and lagoons. Shorter terms (3–7 years) are more typical for separators and pumping equipment.

Does planning permission affect slurry store finance?

Planning permission (or permitted development notification) should be in place before drawdown. Most lenders will require evidence of consent before releasing funds.

Can I finance a biodigester alongside slurry storage?

Yes. Biodigester finance is available from specialists including Shawbrook. The AD plant, associated infrastructure and slurry storage can often be combined into a single facility.

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.

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