Oxbury
“Can a purpose-built agricultural bank and proprietary core banking platform own the financial infrastructure of the UK rural economy and export that platform internationally?”
Founded2018
HQChester, United Kingdom
Total raised$335.9M
IndustryBank / Sponsor
The story
Founded in 2018, Oxbury Bank is the UK's only specialist agricultural bank, purpose-built to serve the rural economy — a sector largely underserved by incumbent high-street banks. The bank built its own core banking platform (Oxbury Earth) to enable rapid product deployment and embedded finance opportunities across the UK food supply chain. Having achieved profitability by 2023 and surpassed £1bn in lending, Oxbury is now expanding upstream into corporate agricultural finance and exploring its platform's software licensing potential internationally.
Product timeline
2018
Oxbury Bank plc founded by bankers, farmers, agricultural businesses and technologists to become the UK's only bank 100% dedicated to the rural economy.· banking
2021
Commenced lending to SMEs in the rural economy from March 2021 via Oxbury Farm Credit and related agricultural lending products.· lending
2022
Reached breakeven in December 2022 with total committed and in-progress lending exceeding £850m; launched Asset Finance product; developed Oxbury Earth core banking platform.· banking
2023
Announced first full year of profitability, targeting £1bn balance sheet by 2024.· banking
2024
Expanded into Oxbury Corporate, targeting large agricultural enterprises and the integrated supply chain.· lending
Regulated entities
Bank Charter (PRA/FCA authorised)
UK
Oxbury Bank plc
The stack
Banking / BaaS
Lending
Accounting gap: minor