At Oxbury Bank, we understand that no two farms are the same. Every business has its own cash flow patterns, investment cycles, and financial needs. A recent comment questioning whether Oxbury only caters to “rich farmers who don’t need an overdraft facility—their website doesn’t seem to have an option for details of a current account” highlights a key issue: the misconception that financial strength and flexibility are mutually exclusive.

The Reality of Farming Finance

Farming is a unique industry with unpredictable income streams and high capital costs. Traditional banking models often fail to recognise these complexities, forcing farmers into rigid financial structures that don’t align with the seasonal nature of their business.

That’s why we take a different approach. Our ‘#Stay Banked Borrow Better’ campaign ensures farmers can access tailored finance solutions without the disruption of switching their current account. We provide the same flexibility as traditional overdrafts, with funding options designed specifically for agriculture.

The Oxbury Difference

Oxbury’s mission is to serve farmers and food producers with financial products that genuinely support their businesses. That means:

  • Flexible borrowing options – Working capital loans, structured finance and revolving credit facilities all tailored to seasonal cash flows
  • Industry expertise – A team that understands farming and works with customers to find the right solutions
  • Dedicated relationship managers – Our agricultural specialists work closely with farmers to provide hands-on support, ensuring finance solutions align with business goals
  • Seamless access to funding – Keep your existing banking arrangements while benefiting from Oxbury’s specialist finance
  • Our funding supports the rural economy - we only lend to farmers and the agricultural sector


Oxbury Managing Director, Nick Evans, emphasises: “Farmers should not be forced into switching their bank to access the finance they need. Our approach ensures they can retain their current account while benefiting from flexible, tailored lending solutions designed exclusively for agriculture.”

Supporting the Future of Farming

Financial resilience isn’t about having excess capital—it’s about having the right tools to manage your business effectively. By offering choice, flexibility, and expert support, we ensure that farmers at all scales and stages of their careers can access finance in a way that works for them.

At Oxbury, we don’t believe in outdated banking assumptions. We believe in empowering farmers with financial solutions that fit their needs—because a strong, flexible farming sector benefits everyone.

For most banks, farming is only a small part of their business. At Oxbury, it is what we do

To find out more about how Oxbury can support your business, visit www.oxbury.com or speak to one of our Agricultural Relationship Managers today.