Farming is a business made of precision and planning, where financial stability is just as critical as weather conditions and soil health. Yet, rising input costs covering essentials including fertiliser and feed place enormous pressure on farm budgets. With farm input costs increasing by an average of 44% since 2019 (AHDB), many farmers are struggling to maintain cash flow while keeping operations running efficiently.

This is where input finance comes in. Farm loans for seeds and fertilisers are a form of agricultural finance, they enable farmers to purchase critical supplies without needing to pay for them upfront, allowing them to align repayments with their revenue cycle.

With ongoing market uncertainty, farmers need solutions that provide financial flexibility, helping them invest in quality inputs while maintaining working capital.

The growing importance of input finance in UK agriculture

Rising costs and market volatility have made financial planning more complex than ever for farmers. Fertiliser prices have more than doubled since 2020, while feed and fuel prices have risen by as much as 50%, adding financial pressure on farm businesses (AHDB). Many farmers now face unpredictable cash flow, with seasonal income making it difficult to cover upfront costs when revenue is not immediately available.

Market uncertainty caused by policy changes, supply chain disruptions, and climate factors further complicates financial stability. Limited financing options often leave farmers feeling restricted, forcing them to cut back on essential inputs or take on high-cost credit options. Input finance provides a structured and affordable way to manage these expenses, ensuring that farms remain operational and competitive.

A step-by-step guide to using input finance effectively

1. Assess your farm’s input requirements

• Conduct a full audit of your farm’s upcoming seasonal needs, including fertiliser, feed, & other agrochemicals
• Identify essential versus optional purchases to prioritise critical inputs.
• Consider historical data on usage and costs to make informed purchasing decisions.

2. We can offer input finance over a 12-month period

• Opt for seasonal repayment plans that align with harvest profits or livestock sales.
• Factor in possible price fluctuations for inputs and plan your financing accordingly.
• Spread costs strategically to avoid large lump-sum payments at inopportune times.

3. Implement a strong financial tracking system

• Use accounting software or spreadsheets to monitor loan repayments and overall cash flow.
• Regularly review input costs and adjust financing strategies where necessary.
• Maintain detailed records to help with future applications and negotiations with finance providers.

4. Build contingency plans

• Anticipate possible risks such as unexpected weather disruptions or supply chain delays.
• Secure access to emergency credit facilities for unforeseen challenges.
• Keep a reserve fund where possible to cushion against seasonal cash flow dips.

As farming costs continue to rise, flexible financial solutions such as finance for farm supplies will become increasingly vital. More farmers are looking for ways to secure essential inputs without tying up capital, for long-term growth.

Making input finance work for you

With tailored finance options designed for the unique needs of UK farmers, we’re here to help. Our team understands the challenges you face and provides solutions that work with your business, not against it.If you’re ready to explore how input finance can support your business, contact us today to speak with one of our agricultural finance specialists.

The post How Agricultural Finance Can Strengthen Your Farm’s Cash Flow | a Guide to Input Finance appeared first on Peregrine Finance.

It’s important to act now to make the most of the current tax rules, avoid unexpected costs, and ensure your farm or business is in the best possible position heading into the new financial year.

What’s changing with double cab pickups?

From April, double cab pickups may no longer be classified as commercial vehicles for tax purposes. This reclassification could result in these vehicles being treated more like private vehicles, leading to higher taxes and increased running costs.

For farmers who rely on double cab pickups for their day-to-day operations, this change means the financial benefits previously available may no longer apply after April.

Why the end of the financial year is crucial

For farmers, March is a time for reviewing everything from equipment upgrades to vehicle purchases to ensure you’re taking full advantage of the available benefits.

By acting before the new regulations come into effect, you can secure the savings available under the existing system and include these investments in your year-end accounts. Waiting until after April could mean missing out on significant financial advantages.

How these changes affect farmers

If you delay your decision to purchase a double cab pickup, the reclassification could lead to higher costs and increased tax liabilities. This could affect your cash flow, leaving less flexibility for other essential expenses like machinery upgrades or livestock investments. Acting now ensures you avoid these challenges and keep your finances under control.

How we can help

we specialise in providing tailored finance solutions to support farmers and rural businesses. If you’re looking to purchase a double cab pickup before the tax changes, we can help you secure the funding you need quickly and efficiently.

Our team understands the unique needs of the agricultural sector and works to deliver finance options that suit your business goals. Whether it’s funding a vehicle or other end-of-year investments, we’re here to guide you every step of the way.

Act now and secure your savings

With the financial year-end fast approaching and changes to double cab pickups just around the corner, now is the time to act. Contact us today to explore your options and make the most of this crucial period.

📧 salesdesk@peregrinefinance.co.uk
📞 01904 405299

The post Changes you need to know about for the end of the financial year appeared first on Peregrine Finance.

What this means for Woldmarsh members

At Peregrine, we specialise in providing financial solutions to the agricultural, rural, construction and sustainable sectors. Through this introduction, we have the opportunity to present our financing options to over 1,100 Woldmarsh members. These members already benefitting from Woldmarsh’s cost-saving procurement services now have direct access to Peregrine Finance’s flexible and innovative financing options.

For us, this association strengthens our commitment to British agriculture, enabling us to extend our reach and offer more valuable support.

Why this introduction matters

For more than 60 years, Woldmarsh has been a trusted partner for farmers, offering access to competitively priced supplies and services ranging from fuel and machinery to utilities and professional advice. By introducing its members to Peregrine Finance, Woldmarsh aim to provide members with access to specialised financing options allowing them to invest in their businesses with confidence.

It’s important to note that Woldmarsh acts solely as an introducer and is not involved in any financial agreements or decision-making processes.

Woldmarsh members will now have the opportunity to access bespoke financial packages designed to:

Upgrade farm machinery
 Affordable finance options for tractors, combines and other essential equipment.

Expand livestock operations
Flexible finance for livestock purchases, feed and health management.

Fund renewable energy projects
Support for sustainable initiatives such as solar panels or biomass systems.

Support forestry and arboriculture projects
Financing solutions for forestry machinery, tools and land management needs.

Shared values and vision

Woldmarsh’s commitment to its members aligns perfectly with our dedication! We’re both focussed on supporting the farming community. Together, we’re creating an association that strengthens the backbone of British agriculture by combining cost-saving procurement with tailored financial solutions.

Looking ahead

We understand the unique demands of the farming industry. Whether it’s securing the latest agricultural technology, expanding your operations, or adopting sustainable practices, we’re here to support ambitions.

Get in touch

If you’re a Woldmarsh member interested in learning more about our financial services, contact our team.

We help farmers like you seize opportunities and overcome challenges, ensuring that your business thrives now and for generations to come.

The post Peregrine Finance Introduced to Woldmarsh members | Supporting farmers across the UK appeared first on Peregrine Finance.

This was the fourth successive quarters of positive margins, averaging £20/head, after a net margin of £19/head in Q4 2023 and £22/head and £25/head respectively in Q2 and Q3.

This followed 10 successive quarters of losses, which exceeded £50/head during the first half of 2022, with total industry losses estimated to have exceeded £750 million over that period.

Click here to read the full article

The post UK pig producers see profit of £16 per head during Q1 2024 appeared first on Peregrine Finance.

Competitive finance packages available through ourselves, Subject to status T&C’s apply.

Vehicle registered: 14/11/2023.

Extra Features

These are in addition to what this car typically comes with as standard:

• Towing Pack – 13 Pin with Ball and Pin
• Floor Mats – Rubber
• Plastic Bedliner Over Rail

This car comes with

• 18in Alloy Wheels
• 60-40 Split Tip Up Rear Bench
• Active Traction Control – ATC
• Ambient Door Lighting
• Anti-Lock Braking System – ABS with Electronic Brake-Force Distribution – EBD
• Auto Headlights
• Automatic Headlight Levelling
• BA – Brake Assist
• Bluetooth Connectivity
• Bumpers – Body Coloured
• Cooler in Upper Glovebox
• DAC – Downhill Assist Control
• Dark Grey Rear Bumper
• Digital Audio Broadcast – DAB

• Dual-Zone Automatic Air Conditioning
• Dynamic Guidelines on Rear – View Camera Display
• Electro chromatic Rear-View Mirror
• Emergency Brake-Light Signal – EBS – Hazard Type
• Floor Mats – Textile
• Follow Me Home Headlights
• Front 12V Power Outlet x2
• Front Mudguards
• Front Passenger Airbag Detector
• Front Passenger Airbag On-Off Switch
• Front Seat Belt Reminder
• Front and Rear Parking Sensors
• Front and Rear Power Windows
• Full Spare Alloy Wheel
• HAC – Hill Start Assist Control
• Headlight Cut-Off Reminder
• Headlights – LED
• Height Adjustable Driver Seat
• Highway Terrain Tyres
• Immobiliser
• Inner Load Hooks on Cargo Deck
• Intelligent Adaptive Cruise Control
• LED Daytime Running Lights
• LED Front Fog Lights
• LED Rear Lights
• Lane Departure Alert
• Leather Steering Wheel and Gear Shift
• Lockable Tailgate
• Panoramic View Monitor
• Power Steering
• Pre-Collision System with Pedestrian Detection
• Privacy Glass – Rear
• Rear Fog Light
• Rear Mudguards
• Rear Passenger Footwell Heating
• Rear View Camera
• Retractable – Power Adjustable and Heated Door Mirrors
• Road Sign Assist

• Seats – Drivers Power Adjustment
• Seats – Heated Front
• Seats – Heated Outer Rear
• Shade Band on Windshield
• Side Steps – Black
• Smart Entry and Smart Start System
• Smartphone Integration including Apple Car Play and Android Auto
• Supplemental Restraint System – SRS – Airbags – 7 Airbags
• TPMS – Tyre Pressure Monitoring System
• Toyota Safety Sense 2
• Toyota Touch 2 Multimedia
• Toyota Touch 2 with Go Navigation
• Trailer Sway Control – TSC
• USB Connector
• Underbody Protection Cover
• VSC – Vehicle Stability Control
• Windscreen Wiper De-Icer

Contact Salesdesk via email salesdesk@peregrinefinance.co.uk or ring 01904 405299 for more details.

Finance Example – vat paid on signing – £7,999.00 deposit – £30,000.00 to finance
36 monthly payments of £966.00

Hire Purchase: Full VAT on signing. VAT charged at the current UK rate at time of acceptance. Administration fees are payable on all transactions. Written quotations are available on request from Peregrine Finance. Peregrine Finance is a trading style of Peregrine Asset Finance Ltd, 3 Maple House, Wykeham Road, Northminster Business Park, Upper Poppleton, York, North Yorkshire, YO26 6QW. Peregrine Asset finance is authorised and regulated by the Financial Conduct Authority number FRN649227. Peregrine Finance offers financial facilities to UK businesses only through a number of authorised funders, a list of which is available on request. (E&OE)

All terms are for business users only and are subject to credit acceptance. T’s & C’s apply. Other purchasing options are available.

The post Pre-Reg 2023 Toyota Hilux 2.8A D-4D X Invincible 4×4 Pick Up – NOW AVAILABLE £37,000 + VAT appeared first on Peregrine Finance.

They have committed to a 25-year tenancy agreement and both previously leased a council farm holding.

Hungary Lane Farm, covering 275 acres and previously known for its biodynamic, arable, and livestock operations, will now be integrated into the estate as its sixth organic farm. 

Click here to read the full article

Keep updated with all the latest inustry news, we’ll be sharing important updates as leaders in agricultural finance. 

The post Young family start 25-year tenancy on new organic farm appeared first on Peregrine Finance.

The funding will support those living and working in the countryside, many of whom are facing increasing challenges such as rising costs, extreme weather and isolation.

The King’s charity, who founded it when he was Prince of Wales, said the grants would help enable change and develop resilience in the UK’s rural areas.

Click here to read the full article

The post King’s charity issues £450k in funding to help rural and farming projects appeared first on Peregrine Finance.

The government has today (1 February) established the new Veterinary Medicines Working Group, which will explore options to safeguard supply.

The group will be appointed rapidly and will report its findings urgently in a bid to resolve the issue before the existing regulations end in December 2024.

If an agreement is not found, the veterinary profession fears that Northern Ireland could lose access to an estimated 51% of animal and livestock medicines.

Click here to read the full article

The post Vets welcome new commitment to securing NI access to livestock medicines appeared first on Peregrine Finance.

Farmers who have suffered uninsurable damage to their land following the recent winter storms will be able to apply for the grants.

It has been made possible through the Farming Recovery Fund, which works to repair and reinstate costs for those affected by exceptional flooding.

Click here to read the full article

The post Flood-hit farmers can now apply for up to £25,000 in support appeared first on Peregrine Finance.

The event is seen as a highlight of the early months of the year as it celebrates the contribution made by British farmers and food producers.

The service, which begins on Sunday 14 January 2024, is available to the general public to attend.

Plough Sunday is an ancient festival which was revived by the Victorians. Traditionally it is celebrated on the first Sunday after Epiphany.

Click here to read the full article

The post Farmers’ efforts in producing food to be celebrated at Ripon Cathedral appeared first on Peregrine Finance.