DescriptionOverview of the initiative and its approach.
Oxbury is a UK-based digital bank dedicated to agriculture that offers financing tailored to farm production cycles. Its products include seasonal input credit, flexible working capital, and long-term loans for farm investment and modernization. The Farm Credit facility allows farmers to purchase inputs from approved suppliers, with invoices automatically uploaded into the online banking platform for payment and account monitoring. Oxbury also provides a Transition Facility linking finance to the adoption of more sustainable and low-carbon practices.
TechnologyTechnology used by the initiative.
Oxbury delivers its services through a proprietary cloud-based digital banking system accessible via web and mobile applications. Farmers use the platform to apply for credit, review and pay invoices from approved suppliers, make repayments, and track cash flow. The system integrates with supplier networks and accounting software to streamline financial administration and enhance record-keeping, while supporting sustainability-linked lending through the Transition Facility.
TargetUsers, groups, or communities targeted by the initiative.
Oxbury serves farmers of all sizes in the UK, as well as agricultural cooperatives and agribusiness partners.
Business modelHow the initiative delivers and sustains its value.
Oxbury operates on an interest- and fee-based lending model. Farmers pay service fees and loan interest, while the bank raises capital through public savings products, reinvested directly into agricultural lending.
ImpactThe observed or intended effects of the initiative.
Oxbury aims to support financial resilience in UK agriculture by providing credit aligned with production cycles and farm input needs. According to their annual report, in 2024, the bank reported £1.6 billion in customer lending balances and £1.2 billion in deposits, with £400 million net lending growth. Its Farm Credit facility has processed over 100,000 supplier invoices, improving liquidity and cash flow for farm businesses.
PartnersOrganizations and stakeholders involved in the initiative.
Openfield; Frontier Agriculture; Grosvenor Food & AgTech
Four BettersThe FAO Four Betters supported by the initiative.
Better production
Better environment
Better life
