Restructuring Finance

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Farm borrowing is growing with 72% of farmers using all of the facilities available to them. The ability to repay this debt is getting harder, with costs increasing more quickly than prices. Many farmers are finding it more difficult to manage their existing debt but aren’t sure how best to approach the problem.

Restructuring Finance

ADAS have an experienced team who have supported farmers to restructure their debt, reducing the risk against a fluctuating market and often saving money on interest payments. This is can also be done alongside a review of the farm business to identify areas where cost savings can be made and to make sure the farm business is in the best shape going forward.


John and his daughter Liz farm a 350 acre suckler beef farm in Shropshire. They constructed new cattle shed and a grain silo 5 years ago, which they secured against their fixed assets over a 10 year period. They also have a rolling overdraft facility to ensure they have enough available cash. However, several TB outbreaks have resulted in significant losses and their previously affordable payments are now crippling the business.


How we were able to help

  • Review of existing finance and recommendation of options.
  • Created forecasts to demonstrate the impact of new finance arrangements.
  • Negotiated with the bank on behalf of the client.
  • Review of the options to minimise the risk and impact to the business of future problems.


John and Liz were provided with a range of options to address their short term issues. Some debt was covered by a fixed term loan over a longer period to provide some certainty to the business. Remaining debt was consolidated to attract preferential interest rates, which reduced outgoings. ADAS are now working with John and Liz on a whole farm review to understand the challenges and opportunities over the medium term with a view to spreading risk to the business.

Project Team

For more information on how we can help, please contact Kathleen Wolton

Farm Business Consultancy

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