With fresh ideas, energy, and a deep connection to the land, young farmers are key to driving innovation and sustainability across British agriculture.

But getting started in farming or expanding an existing operation isn’t always easy. Many face barriers when it comes to accessing the land, equipment, and capital needed to build a future in the sector. That’s where agricultural finance can make a real difference.

Why Supporting Young Farmers Matters

The average age of a UK farmer is 59, and without a strong pipeline of younger entrants, the sector risks losing momentum. Young farmers bring new thinking, adapt quickly to technology, and are often more open to environmentally sustainable methods – exactly what’s needed to tackle modern farming challenges.

Whether it’s responding to climate pressures, food security, or economic shifts, investing in young farmers is an investment in the long-term health of UK agriculture. However, they face several hurdles, particularly when it comes to securing the capital needed to start or expand their operations.

Common Challenges Young Farmers Face

For those entering the industry or growing their business, common hurdles include:

• Access to Land: Limited supply and high competition make land acquisition tough.
• Start-Up Costs: Machinery, livestock, feed, and infrastructure require significant investment.
• Lack of Credit History: Traditional lenders often see new entrants as high risk.
• Business Complexity: Running a farm today demands both practical skills and business acumen.

These barriers can feel overwhelming – but the right financial support can turn ambitions into action.

How Agricultural Finance Makes a Difference

Flexible finance helps young farmers overcome key challenges. At Peregrine, we offer tailored solutions that can support:

• Start-Up Costs: From livestock finance to machinery, we help fund the essentials.
• Seasonal Cash Flow: Finance structured to work with your farming cycle.
• Innovation and Upgrades: Funding for precision farming tools, renewable energy, and sustainable tech.
• Infrastructure Development: From sheds to silos, we support your build plans.

Helping You Grow Your Farming Future

At Peregrine, we understand farming isn’t just a job – it’s a legacy. Our finance solutions are designed to support the next generation of farmers with guidance, empathy, and practical tools to succeed. Whether you’re purchasing new equipment, expanding your herd, or investing in innovation, we’re here to help.

We take the stress out of financing by offering:

• A personal, hands-on approach
• Clear and simple terms
• Repayment plans that reflect the rhythm of the farming year

If you’re a young farmer looking to grow your future, get in touch. We’re here to back your journey, every step of the way.