General Purpose Agricultural Buildings

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    Business & Asset Finance for General Purpose Agricultural Buildings

    Finance the buildings your farm needs—without delaying essential infrastructure.

    General-purpose agricultural buildings are the backbone of UK farm operations. Whether you’re storing machinery, protecting livestock, keeping crops dry, or expanding capacity, the right building can transform efficiency, animal welfare, and long-term profitability.

    But with construction costs rising and planning rules becoming more complex, many UK farmers are now choosing Business & Asset Finance to fund new agricultural buildings quickly, affordably, and without draining working capital.

    Gable Business Finance works directly with farmers, estates, contractors, and rural enterprises to secure fast, competitive funding for all types of agricultural buildings—new, replacements, extensions, or ground-up construction.


    Why Act Now? Delaying Building Projects Hurts Your Farm

    Every month you postpone essential building work, your farm may be losing:

    • ❌ Equipment value due to weather exposure
    • ❌ Livestock productivity due to poor housing
    • ❌ Crop quality through improper storage
    • ❌ Space efficiency and on-farm workflow
    • ❌ Opportunities for diversification or expansion

    Meanwhile, material prices, construction costs, and environmental regulations continue to rise.

    • ✔ Build now
    • ✔ Spread the cost
    • ✔ Protect cash flow
    • ✔ Future-proof your farm

    Types of Agricultural Buildings You Can Finance

    We arrange finance for almost any building used exclusively for agricultural purposes, including:

    1. Livestock Buildings

    Structures designed for the housing, rearing, and welfare of animals, including:

    • Cattle sheds
    • Calf housing
    • Sheep sheds
    • Poultry buildings
    • Loose housing & isolation sheds

    2. Machinery & Equipment Stores

    Protected spaces for:

    • Tractors
    • Cultivation equipment
    • Harvesting machinery
    • ATVs & utility vehicles
    • Sprayers & implements

    3. Crop & Grain Storage Buildings

    For secure, high-quality storage of:

    • Grain
    • Hay & straw
    • Root crops
    • Silage
    • Bagged feed & bulk materials

    4. Stables & Cartsheds

    Traditional and modern structures for:

    • Horses
    • Tack rooms
    • Feed storage
    • Horse-drawn or farm equipment

    5. Support & Ancillary Buildings

    Including:

    • General workshops
    • Handling facilities
    • Chemical stores
    • Feed mixing units
    • Hardstanding & covered yards

    Key Considerations for Agricultural Building Projects

    Purpose

    Buildings must be used solely for agricultural purposes and cannot be used as dwellings or non-agricultural commercial units.

    Location

    There may be restrictions near roads, public rights of way, residential dwellings, watercourses, and designated landscapes. Livestock buildings typically must be built at a minimum distance from nearby homes.

    Size & Dimensions

    Certain permitted development rights include restrictions on maximum ground area, building height, and distance from existing farm structures.

    Design Standards

    Some buildings must meet BS 5502 standards, ensuring suitability for animals, machinery, or crops.

    Environmental Impact

    New structures must not cause adverse effects such as runoff contamination, air quality issues, nuisance odours, or impact on wildlife or protected zones.

    Gable Business Finance helps you fund compliant, high-quality structures without slowing down operations.


    Why Farmers Choose Gable Business Finance

    ✔ Fast approvals (often 24–48 hours)

    ✔ 0% deposit options available

    ✔ Finance covering buildings, groundwork & installation

    ✔ Options for new builds, refurbishments & extensions

    ✔ Seasonal repayments matched to farm income

    ✔ Support from agricultural finance specialists

    ✔ Funding for steel-framed, timber, and modular buildings

    We compare an extensive panel of lenders—ensuring you get the most competitive terms without doing the legwork.


    How Building Finance Works (Fast & Simple)

    1. Tell us about the building you need

    Barn, shed, stable, store—any building used for agriculture.

    2. We source the best funding options

    We search multiple specialist lenders to secure competitive terms.

    3. Approval is fast

    Many farmers receive approval within 24–48 hours.

    4. Builder or supplier is paid

    Funds are released quickly, including staged payments if required.

    5. Repay over time

    Choose monthly, quarterly, annual or seasonal payments.

    The sooner you enquire, the sooner your building can go up.


    Real Case Studies from UK Farms

    Case Study 1: Machinery Storage Building – Yorkshire Arable Farm

    Challenge: A 900-acre farm needed a steel-framed machinery shed to protect high-value equipment from weather damage. Rising construction costs meant delaying would be expensive.

    Gable Solution:

    • Structured a Hire Purchase agreement
    • Included groundworks and concrete pad in the finance
    • Secured a 5-year repayment profile with no deposit

    Outcome: The building was erected within 8 weeks, extending machinery lifespan and reducing maintenance costs by an estimated 25%.


    Case Study 2: Livestock Housing Upgrade – Welsh Dairy Farm

    Challenge: The farm needed a modern cubicle shed to improve welfare and increase milk yields. Upfront cost exceeded £180,000.

    Gable Solution:

    • Arranged finance covering building, ventilation and internal fittings
    • Seasonal repayments aligned with milk cheque cycles
    • Approval provided in under 48 hours

    Outcome: Yields increased by 9% within the first season, and animal health improved significantly.


    Case Study 3: Grain Store Expansion – Lincolnshire Mixed Farm

    Challenge: Poor harvest weather highlighted issues with existing storage. The farm needed a ventilated grain store before next harvest.

    Gable Solution:

    • Finance lease for maximum tax efficiency
    • Staged payments matched to construction phases
    • Included doors, fans, and drying equipment

    Outcome: The farm achieved better grain quality and secured improved contract premiums.


    Frequently Asked Questions

    Can general-purpose agricultural buildings be financed? Yes. Most barns, sheds, stores, stables and livestock buildings qualify—new or extensions.

    Do buildings need to be used strictly for agriculture? Yes. They must be exclusively agricultural to qualify for certain permissions and finance structures.

    Can groundwork, foundations and concrete be included in finance? Often yes. Many lenders allow funding for site prep, foundations, and installation.

    Do I need planning permission before applying for finance? Not always—but approval is normally required before funds are released.

    Can I finance a building under permitted development rights? Yes. Many agricultural buildings fall under permitted development rights if size, location and purpose criteria are met.

    Do you finance steel-framed buildings? Yes. We work with many UK farm building manufacturers.

    How fast is approval? Many applications are approved in 24–48 hours.

    What if the building is already under construction? Finance may still be available—asset refinance or staged payments can be arranged.

    Do you offer seasonal payments? Yes—popular with arable, dairy and livestock farms.

    Can I get 0% deposit? Often, depending on lender and credit profile.


    Start Your Building Project Before Costs Rise Again

    Fast decisions. Competitive rates. Agricultural expertise. Zero pressure.

    Whether you need a new barn, livestock shed, machinery store, grain building or stable, Gable Business Finance ensures you get the funding quickly—so construction can begin without delay.

    👉 Get a Quick, No-Obligation Quote

    👉 Speak With an Agricultural Finance Specialist Today

    👉 Secure Funding Before Material Costs Increase Again

    Your farm’s future depends on the buildings you invest in today. Let’s make it happen.