Investment Appraisals & Finance Enquire Now Some of the most important decisions in any farm business involve investment. Whether you are looking to purchase land, expand facilities or replace machinery, careful planning is essential. At The Andersons Centre, we help ensure that investment decisions are well matched to the size and nature of your business and contribute to long-term financial resilience. We support clients in developing investment plans that meet both profitability targets and balance sheet objectives. Our advice helps ensure that capital is used where it can deliver the greatest return. In many cases, investment will require external finance. This might include: Long-term loans for land or fixed infrastructure Short-term overdraft facilities for working capital in expanding enterprises Hire Purchase or Asset Finance for equipment and machinery We have strong working relationships with major agricultural lenders and understand how to present funding proposals that meet their requirements. Combined with our business planning expertise, this enables us to support clients in securing appropriate finance with confidence. Due Diligence and Advisory Support Our team also provides due diligence support for a range of situations. This may include working on behalf of lenders assessing borrowing proposals or advising clients involved in business acquisitions, restructuring or asset transfers. Our cross-sector knowledge ensures that advice is rooted in commercial reality. Are you are considering a major investment or finance arrangement? The Andersons Centre would be delighted to support you. We offer clear, independent guidance to help you evaluate the opportunity and build a sound plan for the future. Contact us for a no obligation initial discussion and explore the best way forward for your farm. Key Contacts Joe Scarratt Partner & Head of Farm Business Consultancy Investment Appraisals & Finance Partner & Head of Farm Business Consultancy Joe Scarratt is a Partner and Farm Business Consultant at The Andersons Centre. He specialises in assisting arable and mixed businesses, as well as some estates, with long term strategic business planning. Joe undertakes one-off business reviews as well as ongoing consultancy support to long term clients, focused on maximising profitability. He spends a considerable proportion of his time establishing and managing joint ventures and contract farming agreements. Qualifications & Experience 2018 to date - Head of Farm Consultancy at The Andersons Centre 2018 to date - Partner of The Andersons Centre 2009 - 2018 – Business Consultant at The Andersons Centre Delivers business advice to a wide range of farming businesses, focusing on the arable and dairy sectors Oversees the operation of a number of Contract Farming Agreements across all sectors Approved deliverer under DEFRA’s Farming Advice Service delivering group advice to farmers and agricultural professionals Approved deliverer under the Welsh Assembly’s Farming Connect Scheme, delivering advice to farmers across Wales Undertakes commissioned research projects 2005 - 2009 – Harper Adams University College. First Class BSc Hons Business Management with Marketing. The course focused upon the agri-food industry 2000 to Present – Working in and developing the family farming business. The farm is predominantly arable with a small beef enterprise Areas of Expertise Farming Joint Ventures and Contract Farming Farm Business Management Technical Farm Business Advice Farm Strategy and Succession Planning Farm Investment Appraisals and Loan Applications Farm and Rural Grant Applications Farm Business Tenancies Farm Business Administration Farming Connect (FC) accredited George Cook Senior Farm Business Consultant Investment Appraisals & Finance Senior Farm Business Consultant George is a Senior farm and rural business consultant with the Andersons Centre team. He has over 35 years’ experience working with a wide range of businesses across all sectors. His approach is to bring practical reality to sometimes difficult financial and family challenges. On the more practical front he has an ongoing interest on the soil and land management topics of the businesses he deals with. Prior to joining the team, he had the benefit of 15 years of practical farming and formal training. This included manging a large estate farm in Suffolk and taking his father out of farming on the family rented farm. He is formally qualified with and HND (Ag Sc) Diploma in farm business management. He also has BASIS Facts and L6 quality of soils qualifications. He is a keen and competitive sportsman and has a team of working gundogs. Qualifications & Experience FBIAC and PIAgM BASIS L6 Quality of Soils BASIS FACTS Qualified 2015 Soil Health & Management Masters Module 2012 BASIS Certificate in Conservation Management - June 2007 BASIS qualified Soil and Water Management December 2011 1978 - present DEFRA Cereal Seed Inspector 1971 - 1975 Royl Agricultural College, Cirencester HND in Agricultural Science Diploma in Farm Management 2000 to Present - Senior Consultant in The Andersons Centre team 1993 to 2000 - Senior Consultant in Andersons’ Special Services Team 1987 - Joined Andersons’ Melton Mowbray office as a Farm Business Consultant 1975-1987 - Managing Partner 320 acre rented family farm, Surrey Assistant Farms Manager on a 2,500 acre beef and arable farm in Suffolk Farmers assistant 550 cow dairy unit, Dorset Areas of Expertise Whole Business Strategic & Detail Planning; a Practical Approach Problem Solving & Dispute Resolution Soil Health, Management, Cropping and Cultivation Strategies Investment Appraisal Practical approach to CSS and SFI Schemes Rural Plaaning Appraisals Joint Ventures and Business Tenances Oliver Hall Partner & Senior Farm Business Consultant Investment Appraisals & Finance Partner & Senior Farm Business Consultant Oliver is a Partner and Senior Farm Business Consultant within the Andersons Consultancy Team. He plays an active role in his own family livestock enterprise and also invests in several dairy businesses across the UK, giving him first-hand insight into the commercial realities faced by farmers. Oliver’s specialist skills include developing farming joint ventures such as contract and share-farming arrangements, as well as providing farm business management advice, budgeting support, and long-term strategic and succession planning. He undertakes detailed investment appraisals and loan applications, alongside coaching businesses in high-utilisation grassland systems. His dairy expertise covers infrastructure design, technical KPI development, and quantifying the financial benefits of performance improvements, as well as overseeing transitional and turnaround management. He also facilitates farmer-led dairy discussion groups. Outside of work, Oliver enjoys weekend farming. He also values time with his family and takes every opportunity to play sport and keep active. Qualifications & Experience 2021 - Partner, The Andersons Centre 2017- Senior Farm business consultant, The Andersons Centre 2014 –ILM- Lean Management In Dairy Farming 2010 - Co founder of Evolution Farming – Multi Site Pasture based dairy business 2009-2010 – Farm business consultant, The Andersons Centre 2008- Family farming partnership, West Yorkshire 2005-2008 – The Royal Agricultural College – Bsc (Hons) Agriculture Areas of Expertise Farming Joint Ventures, Contract Farming and Share Farming Farm Business Management and budgeting Farm Strategy and Succession Planning Farm Investment Appraisals and Loan Applications Grassland management Practical knowledge of farm management Edward Calcott Farm Business Consultant Investment Appraisals & Finance Farm Business Consultant Edward is a Farm Business Consultant at The Andersons Centre. He works with most farm sectors, specialising in poultry, mixed farming, and on-farm diversifications. He works with numerous clients across England Wales, under Farming Connect. He provides services such as budgeting & cashflow monitoring; borrowing proposals for new investments or debt restructuring; supporting agricultural reports for planning applications; investment appraisals; the setting up and management of contract farming agreements; grant applications; and business reviews. Edward comes from a mixed family farming business in Staffordshire which incorporates poultry, grazing livestock, arable and diversifications. He holds a BSc degree in Agriculture with Farm Business Management from Harper Adams University. Qualifications & Experience Joined The Andersons Centre in January 2019 BSc (Hons) Agriculture with Farm Business Management (2:1) Harper Adams University (2016 Graduate) Part of the winning team for the Institute of Agricultural Management Farm Planner competition whilst at Harper Adams. Placement year was spent with a large UK integrated poultry company. Time was spent on various breeder farms; the hatchery; and commercial farms for broiler chickens and turkeys. Part of the 2017-18 NFU Poultry Industry Program (PIP). A continued involvement with the mixed farming family business in Staffordshire. The farm enterprises include combinable crops, sucker cows, sheep and some agricultural contracting. Areas of Expertise Experience in most aspects of lowland agriculture including arable, beef, sheep, dairy and potatoes. On-farm diversifications including direct sales; marketing and holiday lets. Practical experience within the UK poultry sector, including layers, broilers, turkeys. Business consultancy advice, budgeting and financial planning for agricultural, food and rural businesses. Accounts analysis; investment appraisals; business reviews; strategic planning and enterprise costings. Contract farming and joint ventures. Practical knowledge of farm management. BPS, grant applications and farm assurance. Farming Connect (FC) accredited. Anna Bowen Farm Business Consultant Investment Appraisals & Finance Farm Business Consultant Anna is a Senior Farm Business Consultant at The Andersons Centre, specialising in dairy consultancy and nutrient management planning. Her work encompasses financial, strategic, and technical advice for dairy farmers; succession planning and people management, benchmarking; facilitating a number of dairy discussion groups across England and Wales, and working alongside the research team on dairy projects. Anna is FACTS qualified. Prior to Andersons Anna spent ten years working for a dairy consultancy in West Wales and read BSc (Hons) International Equine and Agricultural Management and MSc Sustainable Agriculture and Food Security at the Royal Agricultural College. Anna manages a spring block calving dairy farm through a contract farming agreement and grew up on a dairy farm in West Wales. She sits on the AHDB Dairy Sector Council as a farmer representative and from 2023 to 2025 was a Trustee of the Nuffield Farming Scholarships Trust. Qualifications & Experience February 2022 to Present Day – Farm Business Consultant at The Andersons Centre Previously worked as a farm business consultant in West Wales Contract farms a 300- cow spring block calving herd in Ceredigion FACTS qualified RoMS accredited mobility scorer Approved Mastitis Control Plan and QuarterPro deliverer 2021 Nuffield Scholar- “Can the UK improve the ethics of its dairy calf management whilst retaining profitability?” 2019 Entrepreneurs in Dairying course 2017 Richard John Memorial Trust Scholarship, studied the sustainability of the Australian dairy industry 2016 MSc Sustainable Agriculture and Food Security (Royal Agricultural College) 2014 BSc (Hons) International Equine and Agricultural Management (Royal Agricultural College) Fluent Welsh speaker Areas of Expertise Farm business consultancy and budgeting Business reviews and strategic planning Practical experience of farm management Dairy farming, particularly spring block calving Nutrient management planning (Farming Connect approved) Herd health Publications Bowen A. (2023) Cow Calf Contact: Dairy’s Ethical Future Interim Nuffield report investigating the prevalence of calf euthanasia on UK dairy farms Kerry Jerman Farm Business Consultant Investment Appraisals & Finance Farm Business Consultant Kerry has over 13 years of experience as a Farm Business Consultant for The Andersons Centre, with particular expertise in the beef and sheep sector, and Welsh Farming Policy. She specialises in strategic, financial and technical advice within her consultancy work with a wide variation of clients including small family farms as well as livestock enterprises on larger estates. This work is a mix of one-off jobs aswell as ongoing management work. She facilitates a number of Farming Connect funded discussion groups and has also done a wide range of work with benchmarking, particularly within the Welsh Beef and Sheep Industry. Outside of farm consultancy, she runs a small upland flock of 200 ewes and is also heavily involved in her family farm, comprising of 1,300 breeding ewes and 70 suckler cows. Qualifications & Experience December 2014 – BIAC Rural and Agricultural Consultants Foundation Course August 2013 to Present Day – Farm Business Consultant at The Andersons Centre April 2013 – July 2013 - Lambing assistant and sheep worker for a local sheep and beef farmer July 2012 – April 2013 - Assistant Dairy Herdsman on 450 cow herd near Hamilton, New Zealand 2009 - 2012 – Aberystwyth University. 2:1 BSc Hons Agriculture with Business Studies. The course focused on the UK agricultural industry with business principles built in 2006 to Present– Working in the family farming business. The farm is predominantly sheep along with a small suckler herd which sells offspring as forward stores Areas of Expertise Farm Consultancy Farming Connect (FC) accredited Harry Davies Farm Business Consultant Investment Appraisals & Finance Farm Business Consultant Harry Davies is a Farm Business Consultant at The Andersons Centre, predominantly working within the arable and grazing livestock sectors, with a strong interest in diversification. His work includes the preparation of farm budgets, the development and management of Contract Farming agreements, supporting clients with agri-environment schemes, and conducting full business reviews to strengthen long-term resilience. He has contributed to the delivery of DEFRA’s Future Farm Resilience Fund (FFRF) and the Allerton/Ricardo Roads to Resilience scheme, helping farming businesses navigate policy changes and future challenges. Harry holds a BSc (Hons) in Agriculture with Farm Business Management from Harper Adams University, having spent his placement year working for G’s Fresh. Harry remains actively involved in his family’s beef and arable farm in Leicestershire. Qualifications & Experience Joined the Andersons Team in May 2023. BSc (Hons) in Agriculture with Farm Business Management (1st) with Harper Adams University (2021 Graduate). Placement year was spent at G's Fresh (Cambs Farm Growers Ltd) working in many areas of the business. Working as part of a mixed family farming business currently operating a range of enterprises and diversified operations including a farm shop and PYO/ wholesale pumpkins. Areas of Expertise Business consultancy advice, budgeting and financial planning for agricultural, food and rural businesses. Accounts analysis, business reviews and strategic planning. Farm Retail Sector - adding value to produce. On-farm diversification projects. Experience across a range of sectors; livestock, combinable cropping and fresh produce. Farm Consultancy Services Business Strategy & Performance Farm BusinessManagement Investment Appraisals & Finance Partnershipsand Enterprise Environmental & Sustainability Consultancy