01
We Understand Seasonal Cash Flow
Expenses occur year-round, but revenue concentrates around harvest and sales seasons. We structure funding that matches agricultural reality.
Capital That Grows With Your Operation
Agricultural businesses operate on nature's schedule, not bank timelines. We provide flexible funding that aligns with planting seasons, harvest cycles, and the unique economics of farming and ranching operations.
- Funding from $25,000 to $1,000,000
- Payment flexibility around harvest seasons
- We understand agricultural cash flow cycles
What You Need to Qualify
$30,000+
Minimum Monthly Revenue
6+ months
Established Business History
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score
From Application to Funding Before Planting Season
01
Quick Application
Share your farm type, acreage, revenue, and what you need funding for. We understand crops, livestock, and agricultural economics.
02
Fast Review
We assess your operation with knowledge of seasonal patterns, commodity cycles, and the capital requirements of farming.
03
Choose Your Terms
Review funding offers with payment structures that can align with your harvest and sales seasons. Pick what works for your operation.
04
Get Growing
Funds arrive quickly—often within 24-48 hours. Purchase seeds, equipment, livestock, or cover operating costs.
Why Farmers and Ranchers Choose Us
Funding Built for the Realities of Agriculture
Whether you need to finance new equipment, cover planting costs, or bridge the gap until harvest, we have funding solutions designed for farming and ranching operations.
Farming and ranching operate with unique financial dynamics. You invest heavily in spring but do not see returns until fall. Equipment is essential but expensive. Weather and markets add uncertainty. We have spent years learning agricultural economics so we can provide capital that works with nature's schedule, not against it.
Agricultural Business Funding Overview
We offer multiple products to address different farm and ranch needs. Some operations need equipment financing for major purchases. Others need seasonal operating capital. Many use a combination as their operation grows.
Most agricultural businesses qualify for multiple products. Your funding advisor will help compare options and recommend the best approach.
- Loan Amounts
- $25,000 to $1,000,000
- Rates
- Starting at 1% monthly
- Terms
- 3 months to 5 years
- Speed
- 24 hours to 7 business days
Financing Options for Agricultural Operations
Different farming needs call for different solutions. Here are the products agricultural businesses use most frequently.
- Farm Equipment FinancingFinance tractors, combines, irrigation systems, and agricultural equipment. Preserve working capital for seeds, fertilizer, and operating costs.
- Seasonal Operating CapitalCover planting costs, labor, feed, and operating expenses before harvest revenue arrives. Built for agriculture's unique cash flow cycle.
- Business Line of CreditDraw capital when you need it for inputs, repairs, or opportunities. Perfect for managing unpredictable weather and market conditions.
- Revenue-Based FinancingFunding with payments tied to your revenue cycle. Lower payments during growing season, aligned with harvest and sales periods.
- Infrastructure Term LoansStructured financing for barns, storage facilities, processing equipment, or farm infrastructure. Predictable payments for long-term investments.
How Credit Affects Agricultural Financing
Your personal credit score is one factor, but not everything. We evaluate the complete picture: farm revenue, acreage, production history, and overall operation performance.
- Production history and yield data matter significantly
- Land and equipment equity provide additional security
- Established buyer relationships demonstrate stability
- Diversified operations show business strength
Good news
Agricultural business owners with credit scores in the 500s regularly qualify for funding when they demonstrate solid production history and healthy farm operations. Your agricultural performance tells the story.
Strong Credit Profile
Access to lowest rates, longest terms, highest amounts
760Score
Challenged Credit
Multiple options available based on farm performance
502Score
Agricultural Industry Funding Insights
6-9
months between major expenses and harvest revenue for many crops. Our funding bridges this gap so you can operate without financial stress.
Source: USDA Farm Economics
$200K+
average cost of a new combine harvester. Equipment financing helps farmers invest in productivity without depleting operating capital.
Source: Agricultural Equipment Dealers
80%
of farms use some form of external financing. Capital is a normal, strategic part of agricultural operations.
Source: USDA Agricultural Finance
Evaluating Agricultural Financing
Pros
- Bridge seasonal cash flow gaps
- Finance essential equipment and machinery
- Cover planting and operating costs before harvest
- Expand acreage or add operations
- Take advantage of equipment deals
- Build credit history for better future terms
Cons
- Financing costs reduce overall margin
- Some products require frequent payments
- Personal guarantees may be required
- Fast funding options typically cost more
Compare Agricultural Funding Options
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| Equipment Financing | $25K to $5M | 6% to 18% APR | 3 to 7 days |
| Working Capital Loan | $25K to $500K | 1% to 3% monthly | 24 to 48 hours |
| Business Line of Credit | $25K to $300K | 1% to 3% monthly | 1 to 3 days |
| Revenue-Based Financing | $25K to $500K | 1% to 5% monthly | 1 to 3 days |
Agricultural Business Qualification Requirements
- Monthly Revenue
- $15K+
- Credit Score
- 500+
- Time in Operation
- 1+ year
Get Funding for Your Agricultural Operation
Apply today and receive funding decisions quickly. Our team understands agricultural financing and seasonal farm economics.
Start Your ApplicationStep 1: Apply Online
Complete a short application about your operation, including your farm type, acreage, and funding needs.
Step 2: Submit Documents
Upload recent bank statements and basic business information. We review them with an understanding of agricultural revenue patterns.
Step 3: Get Funded
Review your offers, choose the best fit, and receive funds. Most agricultural businesses get funded within 24 to 48 hours.
Agricultural Funding Products
Explore specific financing options available for your farm or ranch.
Related Industries We Fund
We also specialize in financing for these related industries.
FAQs
Agricultural Financing Questions
We fund row crop farms, orchards, vineyards, ranches, dairy operations, greenhouses, nurseries, and agricultural service businesses of all types.
Yes, we understand agricultural cycles and can structure payments that align with your revenue seasons and harvest timing.
We do not require crop insurance, though we recommend it. Your funding terms are not contingent on insurance coverage.
Yes, we finance both new and used agricultural equipment. Used machinery is common and acceptable in our programs.
We generally require at least 12 months of farming operation, though experienced agricultural professionals may have additional options.
It matters, but farm performance often outweighs credit challenges. Strong production history and revenue matter significantly.
Many farmers receive decisions within 24 hours and funding within 24-48 hours. Equipment financing takes slightly longer, typically 3-7 days.
Basic requirements include 3-6 months of bank statements, a valid ID, and proof of business ownership. Larger amounts require additional documentation.
Ready to Grow Your Operation?
Whether you need equipment, seasonal capital, or expansion funding, our team specializes in agricultural financing and understands farm economics.
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score