Invoice finance for agriculture and farming

• Cash flow challenge: Farming and agriculture businesses facing long payment terms from distributors or processors, with income cycles often tied to harvests or seasonal supply.

• Perfect for: Farmers, suppliers, and agricultural contractors managing delayed customer payments, rising input costs, and seasonal cash flow fluctuations.

Novuna helps agricultural businesses release working capital from unpaid invoices through tailored invoice finance solutions, either through our award-winning in-house service or by comparing providers and ensuring you have a great deal for your situation.

Boost your cash flow Speak to an expert

Keep your farm running with predictable cash flow

Agriculture runs on long cycles such as crops, livestock, and supply contracts often mean waiting months before payment arrives. Invoice finance bridges that gap by turning outstanding invoices into immediate cash flow, giving you access to funds you’ve already earned.

By releasing up to 90% of your invoice value within 24-48 hours, you can:

• Cover input costs such as feed, fertiliser, and fuel.

• Pay suppliers and staff on time.

• Maintain equipment and keep production moving.

• Plan ahead for the next season without cash flow pressure.

How invoice finance supports the agriculture and farming industry

Agricultural businesses rely on reliable cash flow to handle both fixed and variable costs. However, client payment terms in farming and supply often stretch up to 60 or even 90 days. Invoice finance helps you access that money early, giving you greater financial flexibility.

• Farmers and growers selling produce or livestock to wholesalers and distributors.

• Suppliers of seeds, feed, fertiliser, or equipment serving farms on credit terms.

• Contractors and service providers managing invoiced work such as spraying, harvesting, or haulage.

Invoice finance vs. traditional farm loans

Benefits of invoice finance for agriculture and farming

With rising operational costs and delayed invoice cycles, maintaining cash flow is essential. A well-structured funding strategy helps transport companies:

• Fast access to funds: Receive most of your invoice value within 1–2 working days.

• Improved stability: Maintain consistent cash flow between harvest and payment.

• No new borrowing: Release money you’ve already earned instead of taking on new debt.

• Support for seasonal cycles: Plan ahead and smooth income peaks and troughs.

Boost your cash flow Speak to an expert

Integrating invoice finance with other funding options

Invoice finance works best when paired with complementary funding that supports long-term stability and investment. For example:

• Use asset finance to spread the cost of machinery, vehicles, or storage facilities.

• Combine with working capital loans for flexible access to cash during peak costs.

• Incorporate cash flow management tools to forecast and plan seasonal spending.

How Novuna Business Cash Flow can help

We’ve supported farmers, growers, and agricultural suppliers across the UK with funding designed to maintain cash flow and support sustainable growth.

Speak to our experts today and we will help you find a great fit for your situation.