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.
How much funding do you need?
Drag the slider or type an amount
Applying is free and won't impact your credit score
From Application to Funding Before Planting Season
Share your farm type, acreage, revenue, and what you need funding for. We understand crops, livestock, and agricultural economics.
We assess your operation with knowledge of seasonal patterns, commodity cycles, and the capital requirements of farming.
Review funding offers with payment structures that can align with your harvest and sales seasons. Pick what works for your operation.
Funds arrive quickly—often within 24-48 hours. Purchase seeds, equipment, livestock, or cover operating costs.
Why Farmers and Ranchers Choose Us
We Understand Seasonal Cash Flow
Expenses occur year-round, but revenue concentrates around harvest and sales seasons. We structure funding that matches agricultural reality.
Equipment Investment Support
Tractors, harvesters, irrigation systems, and specialized equipment require significant capital. Our financing preserves working capital for operations.
Seasonal Operating Capital
Seeds, fertilizer, feed, and labor costs happen before revenue arrives. Our working capital solutions bridge these seasonal gaps.
All Agricultural Operations Welcome
Row crops, orchards, vineyards, ranches, dairy operations, greenhouses, nurseries—we fund the full spectrum of agriculture.
Weather and Market Understanding
We know that agriculture involves risk. Our terms account for the realities of weather, commodity prices, and market fluctuations.
Fast Decisions When Seasons Demand
Planting windows and equipment opportunities do not wait for slow bank processes. Our speed matches agricultural timing.
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.
Financing Options for Agricultural Operations
Different farming needs call for different solutions. Here are the products agricultural businesses use most frequently.
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.
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
Challenged Credit
Multiple options available based on farm performance
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
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
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 |
| SBA Loan | $50K to $1M | Prime + 2.75% | 8 to 12 weeks |
Agricultural Business Qualification Requirements
$15K+
Monthly Revenue
500+
Credit Score
1+ year
Time in Operation
Get Funding for Your Agricultural Operation
Apply today and receive funding decisions quickly. Our team understands agricultural financing and seasonal farm economics.
Start Your Application
Complete a short application about your operation, including your farm type, acreage, and funding needs.
Upload recent bank statements and basic business information. We review them with an understanding of agricultural revenue patterns.
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.
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
Applying is free and won't impact your credit score