Agriculture Transition Finance
Supporting Scottish farmers transition to regenerative farming, helping to build resilience for the future.
What is Agriculture Transition Finance?
Agriculture Transition Finance is designed to help UK farmers who wish to adopt regenerative farming techniques to become more resilient for the future.
Developed following extensive research and conversations with farmers and industry stakeholders, it offers financial support and improves confidence through the transition. Available for both refinancing existing loans and new lending, it combines the financial flexibility you might need with sustainable outcomes.
Key features
It’s practical, focused on farmers, and designed to deliver long-term value.
1Up-front capital repayment holiday available where appropriate, provided it aligns with your business needs.
2Flexible drawdown capability only available on Variable Rate Loans, with minimum drawdowns of £25,001.
How regenerative agriculture can help your farm*
Improved profits and resilience
Farms adopting regenerative practices generally see lower input costs and greater resilience.
Enhance food security
Healthier soils and diversified systems could reduce yield volatility and make farms less exposed to flood and drought risk.
Environmental and nature benefits
Practices like cover cropping, reduced tillage and livestock integration can help restore soil health, boost biodiversity and sequester carbon.
*Based on Savills’ research, commissioned by Lloyds, 2025.
Are you eligible for Agriculture Transition Finance?
To support your move to regenerative agriculture, you can apply for Agriculture Transition Finance. Speak to your relationship manager or contact us using the form below.
Working with partners to support farmers
Farmers can now access a financial solution that works for them whether they have already started to change their farming practices, or are ready to do so. We have worked with Savills, who have reviewed research from over 220 sources, looked at 45 case studies, and held farmer and industry stakeholder conversations to develop our Agriculture Transition Finance product.
Some further support for farmers
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.
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.