Oxbury Bank is a UK bank focused on the agricultural sector, offering tailored commercial finance options for farming enterprises and related rural businesses. Registered under Companies House number 11383418 and authorised by the Financial Conduct Authority under FCA firm reference number 834822, Oxbury Bank positions itself as a dedicated provider of agricultural funding. Understanding the structure, product set, and borrowing requirements of specialist lenders like Oxbury Bank can help farm owners select the most suitable capital for their operations.
Oxbury Bank Key Facts Summary
Feature | Details |
|---|---|
Provider Type | Bank |
Primary Focus | Agricultural Loans and Working Capital |
Minimum Deal Size | £25,001 |
Maximum Deal Size | £25,000,000 |
Access Method | Direct |
FCA Firm Reference Number | 834822 |
Companies House Number | 11383418 |
Business Finance Products Offered by Oxbury Bank
Oxbury Bank provides several types of commercial funding specifically tailored for agricultural requirements. Their financial products cover short-term cash flow management, asset acquisition, land purchases, and long-term estate development.
Business Loans: Term funding options designed to support capital investment, farm expansion, or infrastructure improvements. Learn more about general Business Loans available for UK commercial entities.
Asset Finance: Funding solutions designed to acquire machinery, vehicles, and specialised farming equipment while spreading capital costs over time. Explore how Asset Finance structures work across the market.
Revolving Credit and Line of Credit: Flexible credit facilities that allow agricultural enterprises to draw down funds as needed to manage ongoing working capital demands and seasonal fluctuations.
Commercial Mortgages, Bridging, and Development: Specialist property finance options tailored for purchasing agricultural land, expanding farm estates, bridging short-term funding gaps, or undertaking property development projects.
Who Oxbury Bank Suits and Core Specialisms
Oxbury Bank specifically caters to British farmers and agricultural businesses that require funding aligned with seasonal cash flow cycles. Because farming income can fluctuate significantly depending on harvest schedules, livestock management, weather conditions, and crop yields, standard off-the-shelf banking solutions may not always match farm operational realities.
The provider's main specialisms are Agricultural Loans and Working Capital. These products cater to enterprises needing funding to support ongoing operational costs, livestock purchases, crop production supplies, machinery upgrades, or long-term property investments across the UK farming sector.
Eligibility Criteria and Deal Sizes
To access commercial funding through Oxbury Bank, business borrowing requirements must fall within their established deal size parameters. The minimum deal size accepted is £25,001, while the maximum deal size supported is £25,000,000. This broad range allows the bank to assist small farming operations as well as large-scale agricultural developments.
Regarding eligible business structures, the provider does not publish whether sole traders are eligible to apply for their commercial products. Applicants seeking funding should review current criteria directly with the provider or consult an independent finance specialist to clarify eligibility for specific business structures.
How to Access Oxbury Bank
Access to Oxbury Bank business finance products is direct. Business owners and agricultural managers interested in reviewing their borrowing options or submitting an application can reach out directly via the provider's official website at https://www.oxbury.com/.
Compare Agricultural Finance Options with SME Money
Finding the right commercial finance solution requires evaluating options across the wider lending landscape, particularly in specialised sectors such as agriculture. While Oxbury Bank provides targeted lending for farm operations, other funding providers across the UK market also offer competitive commercial terms for rural businesses.
SME Money connects UK businesses with specialist brokers who search over 70 lenders to find the right funding for your business without the bias of a single bank. Rather than relying on one specific provider, working with an independent broker helps business owners compare multiple business loans and asset finance products, ensuring you secure funding suited to your specific commercial goals.