Agriculture expertise
Standing with Scottish agriculture and farmers, through every season.
British farming is under pressure from prolonged weather extremes, rising costs and volatile markets which is putting increasing strain on farm profitability, cashflow and long-term resilience.
Our local agriculture specialists can help you explore your options, whether you’re managing drought or flood risk, reviewing harvest cash flow or working capital needs, planning investment in machinery or water management, or considering diversification opportunities.
How we can help you
Adverse weather support
If drought, flooding, or even disease outbreaks are putting significant pressure on your farming businesses, you can explore financial support options, practical guidance, and industry resources to help with challenging conditions.
Funding for your farm
Finance for regenerative farming
Refinancing and loans to help farmers adopt regenerative techniques.
- fee-free lending with terms of up to 25 years
- options for an interest-only period of up to 5 years
- available for refinancing existing loans and new lending
- open to all farming sub-sectors
Sustainable finance
Other products to help your farm transition to a sustainable future, including:
- discounted lending to support sustainable investments
- finance for energy-efficient equipment and other green assets
- support for acquiring or refinancing energy-efficient properties.
Financing farm equipment
Invest in new equipment and machinery to keep your farm moving forwards.
Other products and services to help your farm flourish
Build a resilient farm for the future
Supporting a sustainable future for Scottish farming
Scottish farmers are key to achieving net zero by 2045. Explore how agriculture businesses can be both sustainable and profitable despite growing environmental and economic pressures.
Navigating current challenges
Let's help you get to the right person
Get in touch with a specialist who can help with your business needs.
“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
We work with several leading industry bodies to support agriculture
ANY PROPERTY GIVEN AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT.
All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business. Eligibility criteria apply.
You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.