Borrow long-term

Borrowing from AMC

AMC has been lending exclusively to the agricultural industry since 1928. Despite the recent pressures on farming fortunes, we remain fully committed to agriculture and will continue to lend to well-managed farming businesses. There is no doubt that the industry will continue to face many challenges but at AMC we will maintain our 'No Nonsense' approach to lending so that we remain as flexible as possible. We can also assure you of our long-term commitment to providing a high quality service to our customers.

Whether you are planning for new investment or restructuring your existing borrowing, we would encourage you to contact us. And you have a choice! You may, for example, be happy to communicate with us mainly by telephone or via email. Alternatively, you may prefer to discuss your proposals with your local AMC Agent or one of our Regional Agricultural Managers.

You may still have some questions after you have used our site. Please refer any queries to one of our Business Managers on 01264 334747 or email us with your question.

Whichever route you choose, we will be very pleased to hear from you.

Who can borrow and how much?

Sole traders, partnerships, companies, trusts and pension funds - all can borrow from AMC. The minimum amount is £25,001 and there is no maximum. We will be able to lend the amount you require provided that the loan is no more than 60% of the value of the security property offered and your business has the ability to service the loan.

For how long?

You can repay your loan over any period from 5 to 40 years. There is no further review of security values or annual accounts once the loan has been established, apart from exceptional circumstances and provided that obligations to AMC continue to be met. A loan can be 'rolled over' (i.e. the term can be extended) to accommodate changing family circumstances or new security arrangements, subject to approval.

Loans can pass from generation to generation. In other words a loan is not repayable on the death of a borrower and cannot be recalled for the term of the loan provided that obligations to AMC continue to be met.