Our Services

We work with clients to raise funds for a wide range of business purposes. We have well-established working relationships with a large panel of lenders who are keen to support viable businesses and projects. We pride ourselves on the personal service we give each client, and can tailor our services to meet specific individual requirements. If you would like to talk through a project and see how we may be able to assist you, without obligation, then please do not hesitate to contact us.

Farm Diversification Loans

Farm and estate businesses are increasingly looking for additional income streams given the uncertainty of subsidies post-Brexit. We are especially keen to work with farmers and landowners who are considering diversification. There are many examples of hugely successful diversification projects such as manufacturing, renewable energy schemes, leisure, tourism and office accommodation to name just a few. We have first-hand experience of diversification and we are always delighted to discuss people’s projects and help make your plans a reality.

Business loans – Business Growth

If you are already running a business and want to expand, we can help you grow by finding the most appropriate funding for you and your business, and ensure that your application has the best possible chance to succeed. Maybe you have the ideas and enthusiasm to take the next step with your business, but you need more money to move forward. Feel free to contact us to talk about your ideas. If the plan is strong enough and you already have a good track record, security is not always required when taking out loans and we can help advise you.

Business loans – Buying a Business

If you want to buy an established business either as a standalone enterprise or to expand your existing activities, we will work with you to access the most appropriate funding. We are able to help purchase a wide range of trading businesses across a large number of sectors such as tourism, hospitality, manufacturing, fishing lakes, cattery/kennels, caravan and leisure parks, green energy, haulage, veterinary and medical practices.


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Business loans – equipment, vehicles, machinery and stock – Asset Finance

We can arrange asset finance on attractive terms for a large variety of stock and machinery. We work with businesses across a wide range of industries on asset finance including farmers, contractors, manufacturers and hauliers.

Commercial mortgages – Farms, Equestrian Property, Land and Estates

If you are looking to purchase a farm or rural estate, land or equestrian property we are experts in this field. As a chartered surveyor Luke has several years’ experience in property and land management, He has previously sourced property for clients and valued properties for clients and lenders, which adds strength and knowledge to any funding applications in this area. We work closely with a large panel of lenders who are keen to lend into the sector and can assist you throughout the process and in sourcing the most favourable terms.

Commercial Property, Investment Property and Property Development Schemes

Luke Haslam MSc MRICS of Elmfield Rural Finance is an experienced chartered surveyor and a specialist in securing finance for property related schemes. From small scale barn conversions and single plots, to developing holiday villages and larger residential and commercial schemes we can assist you in securing the necessary funding to allow your development project to proceed.

We offer specialist advice on funding commercial property purchases, either for investment or owner occupation and this is across all asset classes including office, hotels, retail, industrial, care homes, student accommodation and leisure. We can assist with small single units, multi-million pound assets and everything in between. In addition to this we assist landlords with re-financing on existing assets and portfolios. ERF can also advise on residential investment finance, again from a single asset through to larger portfolios.

The knowledge of a chartered surveyor can be invaluable in constructing an application to lenders on property related transactions.

Management Buy In and Buy Out Loans

We work with senior staff and business owners to support businesses move into the next phase. These transactions offer exciting opportunities for both the buyer and the seller. Funding can often be done using the business’s existing assets or order books and it can be a great way to ensure that succession planning is successful.

Re-financing existing loans

If you are looking to re-finance an existing loan or portfolio of loans we can review your existing arrangements and source the best possible option for you across the market. We deal with re-financing across most areas including farm business loans, mortgages on commercial, agricultural and investment properties and general business loans.

Bridging loans and short term finance

Elmfield Rural Finance can arrange short-term and bridging finance from a wide panel of specialist lenders. Rates for this type of loan have become more competitive and in certain circumstances can allow transactions to proceed where they otherwise would not.

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