Financial options and practical guidance that may help if you’ve been affected by a range of challenges, from drought, flooding, and even disease outbreaks to higher costs and cash-flow pressures.

If you're experiencing financial pressure, speak to us as early as possible so we can work with you to find an appropriate solution.

Managing the day-to-day

Support for working capital, managing input costs and seasonal pressures.

Jump to day-to-day support

Investing in your farm

Tailored finance options to support seasonal costs, specialist projects, or machinery and equipment to suit your farm.

Jump to investing in your farm

Longer-term planning

Funding and support for investments that help strengthen your business against future weather, climate and disease-related challenges.

Jump to longer-term planning

Guidance and resources

Practical guidance and industry resources for managing changing weather conditions and planning ahead.

Jump to guidance

Managing the day-to-day 

Whether you're managing higher costs, delayed income, or lower returns, we can help you explore options to support your business.

Business Overdrafts

Flexible support for short-term cash flow gaps, large outgoings or unexpected costs.

Business Overdrafts

Business Cards

Help manage day-to-day business spending and seasonal costs.

Business Cards

Invoice Finance

Release cash owed to you tied up in unpaid invoices.

Invoice Finance

Investing in your farm

Finance options for seasonal costs, specialist projects, machinery and equipment, with solutions designed around the needs of your farm.

Flexible finance

Choose between a range of loan options, including Fixed Rate and Base Rate Loans to help with water storage, reservoir projects, Pullet Finance, Fertiliser Finance, and more.

Loan options

Fertiliser loans (PDF, 635KB)

Pullet Finance

Asset Finance

Fund machinery and equipment through repayments aligned to your farm's cash-flow cycle, protecting cash reserves, improving productivity and efficiency.

How Asset Finance can help

Hire Purchase

Hire expensive items with the option to buy at the end. Further opportunity to release capital tied up in recently purchased qualifying assets.

More about Hire Purchase

Longer-term planning

Funding and support for water management, energy efficiency and regenerative farming projects that can help strengthen your business.

Discounted sustainable finance

Sustainable finance options that can support investments in renewable energy, water security and lower-carbon technology.

Clean Growth Financing Initiative 

Green Asset Finance

Buildings Transition Loan

Sustainable farming support

Access support and resources to grow your knowledge of sustainable and regenerative farming.

Sustainable Farming and Food Hub

Soil Association Exchange

Exchange Market

SaveMoneyCutCarbon

Agriculture Transition Finance

Flexible funding to support your farm adopt regenerative practices, with features designed to ease pressure during the transition phase.

Agriculture Transition Finance

Discounted sustainable finance

Sustainable finance options that can support investments in renewable energy, water security and lower-carbon technology.

Clean Growth Financing Initiative 

Green Asset Finance

Buildings Transition Loan

Sustainable farming support

Access support and resources to grow your knowledge of sustainable and regenerative farming.

Sustainable Farming and Food Hub

Soil Association Exchange

Exchange Market

SaveMoneyCutCarbon

Practical guidance, resources, and contact options

Talk to your Relationship Manager to find out how they could help

Industry guidance

Practical guidance and resources for managing changing conditions and planning ahead.

Scotland's Farm Advisory Service

Managing business costs and uncertainty

Support, guidance and financial options to help manage cash-flow pressures and rising costs.

Help managing business costs

Bank of Scotland two-person illustration

Let's help you get to the right person

Get in touch with a specialist who can help with your business needs.

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Bank of Scotland two-person illustration
Bank of Scotland two-person illustration
Bank of Scotland two-person illustration

Talk to a specialist

One of our team members will contact you to discuss how we can support your business.

Start enquiry form

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I would like to:
 

Bank of Scotland two-person illustration

Talk to a specialist

One of our team members will contact you to discuss how we can support your business.

Start enquiry form

Bank of Scotland two-person illustration
Bank of Scotland two-person illustration

Contact Gemma Hales

Regional Performance Manager, Scotland

Email Gemma

Bank of Scotland two-person illustration

Contact Dene Jones

Head of Education, Charities and Government.

Email Dene

Bank of Scotland two-person illustration

Contact Madeleine McDougall

Managing Director, Corporate Sector Coverage

Email Madeleine

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Email Darren

Contact Madeleine McDougall

Managing Director, Corporate Sector Coverage

Email Madeleine

Contact Thomas Grundy

Business Manager, Real Estate & Housing

Email Thomas

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Email Darren

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Email Darren

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Email Darren

“As weather patterns become more unpredictable, many farming businesses are having to think not only about the immediate impact, but also how they build resilience for the future. Whether that means reviewing working capital needs, considering investment in water management, or simply talking through the options available, our local agriculture specialists are here to help customers find the right guidance and support."

Lee Reeves
Head of Agriculture

Connect with Lee on LinkedIn

Lee Reeves - Head of Agriculture

We work with several leading industry bodies to support agriculture

All lending is subject to status. Eligibility criteria apply.