Oxbury Bank review UK 2026, farm loans to £25m, input credit, flexi credit and hire purchase

What Oxbury Bank lends

Oxbury Farm Loans is the term product. The page invites applications of £25,001 to £25m over 6 months to 25 years, on a variable or fixed basis, with an interest-only period where the purchase does not earn straight away, its example being arable land bought before the grain is sold. Named uses are carbon reduction and renewable energy, farm infrastructure, land purchase, consolidating existing borrowing, rural diversification and succession planning, and repayments can be matched to the seasonality of the business. The agricultural mortgages page covers the same 6 month to 25 year range for land, barns, storage and farmhouses.

Two products fund the day to day. Oxbury Farm Credit is a line of credit for inputs, seed, feed, fertiliser, fuel and general stock, bought from Oxbury approved suppliers, of which the page lists more than 25, with each invoice uploaded by the supplier into Oxbury online banking so the farmer can see and query it and pay when the cash flow allows. Oxbury Flexi Credit is a revolving account with 24-hour access that transfers funds to the farm's existing business bank account as required, charges interest only on what is drawn, and collects a monthly Direct Debit with the option to repay more at any time.

The Oxbury Transition Facility funds changes towards lower-emission farming at up to £500 per hectare or £2,000 per dairy cow, between £25,001 and £500,000, running up to two years while a plan is explored and up to six years while it is carried out, with the balance repayable and redrawable as cash flow moves. Oxbury New Gen is for new entrants and may provide up to 100% of the money a young farmer needs for livestock, land, machinery, tenancy capital, first inputs and living costs during start-up. Hire purchase on machinery arrived on 14 February 2023, delivered through agricultural brokers and the bank's own relationship managers.

Who Oxbury Bank lends to

Every product is for a UK farm or rural business. Farm Credit spells out its tests: a good credit history, at least three years trading with an approved supplier, an applicant aged 18 or over, a sole trader, partnership, trust or limited company, and a satisfactory credit check. Farm Loans lists cropping, livestock, dairy and poultry among the farm types it serves, and the mortgages page adds horticulture and equine businesses, tenants buying land, new entrants and family farms planning succession.

The Transition Facility asks for evidence of the change being funded, an environmental agreement such as SFI or CSS, a supply chain agreement, or independently verified practice, together with an electronic farm map and a carbon footprint no more than 24 months old, and it works with 14 supply chain schemes including LEAF and the Soil Association Exchange. New Gen applicants are 18 to 40 at application, run a business set up within the last three years with agriculture as its core, hold practical farming experience and are not yet drawing an economic wage from their own farm.

The footer states that Oxbury Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority under Financial Services Register number 834822, registered in England and Wales as 11383418. That entry can be read at register.fca.org.uk. Its savings side carries FSCS cover of up to £120,000 per depositor.

How an application runs

Farm Loans runs in four stages: a web form, a call from the team within one working day, a credit application with onboarding, then a facility agreement and Direct Debit mandate on approval. The bank asks for farm accounts, management information and recent business bank statements, and a business plan where affordability needs showing. Relationship managers visit farms, and the about page says decisions are made by people with agricultural experience.

Flexi Credit publishes its own clock: a reply within one working day of the form, an assessment targeted within 24 hours of complete paperwork, and funds transferred to the linked account as soon as the facility is activated, with security sometimes required depending on size. New Gen runs to a longer published timetable, confirming stage one eligibility within 1 to 2 weeks, holding an interview within 1 to 5 weeks and completing approval within 12 weeks, against a CV, a cashflow forecast and a written proposal. Hire purchase is placed through agricultural brokers.

Through us a farm case is read once by a named case handler against Oxbury and the other panel lenders funding agriculture, then submitted to the lender in the form it asks for. We arrange; Oxbury Bank decides. Enquiring does not affect your credit score.

Oxbury Bank on our panel

At September 2026 the 6 live Oxbury products we held split into 4 business loans sized £15,000 through to £150,000 on terms of 2 years through to 5 years, and 2 asset finance products sized £25,000 through to £1m over 1 month through to 7 years. Each figure is read from our own pull for that category alone, describes the panel on that date and not an offer, and moves as products come and go.

For scale, at September 2026 we counted 12 lender brands on the panel with a live commercial mortgage product for farms, 32 funding agricultural machinery and 31 funding green energy assets. Those are counts of brands holding at least one live product, not a statement about Oxbury's own criteria.