Funding Solutions Built for Farmers
Practical finance for real farming challenges – from cashflow pressure to diversification projects.
Farming rarely follows a straight line.
Seasonal income, rising costs, unpredictable markets and tight timelines all put pressure on cashflow – even in well-run businesses. A farm can be profitable across the year and still face pressure at the exact point when feed, fuel, labour, repairs or project costs need to be paid.
Alchemy Farming Finance has been created to speak directly to those realities.
Our approach is practical and asset-led.
We look at the strength of your business, your machinery, your equipment and the wider picture behind your operation. Whether you need to release capital from existing assets, support working capital, fund a diversification project or explore options after a bank has said no, we aim to make the process clear, direct and useful.
This website is designed as a starting point. You may already know exactly what you need, or you may simply be trying to understand what options exist. Either way, the first step is a straightforward conversation with someone who understands farming and can look at the situation sensibly.
Common challenges we help with:
- Seasonal cashflow gaps
- Capital tied up in tractors, telehandlers, trailers and machinery
- Diversification projects needing upfront funding
- Rising input costs and pressure on margins
- Unexpected repairs or replacement machinery
- Traditional lenders taking too long or applying criteria that do not fit farming
- Tenant farmers needing practical funding options
How we help:
- Release capital from machinery and equipment
- Support working capital during seasonal pressure points
- Fund diversification and income-generating projects
- Provide practical, asset-led funding options
- Consider imperfect credit or complex situations where the assets and business case are strong
Why this approach works for farmers
It recognises seasonal income
It considers the value of the assets in the business
It avoids over-reliance on historic accounts alone
It helps farmers act quickly when timing matters
It supports real businesses that may not fit a standard bank process
Mixed Farm Cashflow Support, North Yorkshire
This North Yorkshire mixed farm was not looking for unnecessary borrowing. It needed practical working capital during a seasonal pressure point. By releasing £35,000 from existing machinery, the business improved liquidity while keeping essential assets in use. The result was a stronger cash position, less pressure and a more confident move into the next farming season.