Who we fund
Farm and Agriculture Business Loans for Equipment, Inputs, and Seasonal Cash
Yes, farms and agriculture businesses can get funding, though financing needs to match the seasonal timing of planting, harvest, and sales. Equipment financing, lines of credit for operating costs, and real estate loans are the most common tools.
Get matched: agriculture
The reality
Cash-flow challenges we hear every day.
Inputs paid months before harvest
Seed, fertilizer, feed, and fuel are bought at the start of the season, and income arrives only after harvest or sale. That gap can stretch most of the year.
Weather and commodity price risk
Drought, floods, and pests affect yields, while market prices for crops and livestock can move sharply. Income is hard to predict from year to year.
Expensive machinery
Tractors, combines, irrigation systems, and grain handling equipment are major investments that need regular replacement.
Land and facility costs
Buying or leasing land, building barns, or adding storage requires large upfront capital with long payback periods.
Best-fit funding
Funding that fits agriculture.
Tractors, combines, and irrigation equipment can be financed with the equipment as collateral, and some lenders offer annual or seasonal payment schedules.
$10K–$5M‡2–5 days*An operating line of credit covers seed, feed, and fuel at the start of the season and is repaid after harvest or sale.
$10K–$500K‡1–3 days*Real estate financing can help with land purchases, barns, storage, and processing facilities.
$250K–$10M+‡30–60 days*SBA loans can fund ag-related businesses like processors, nurseries, and agritourism operations, with longer terms for bigger projects.
$50K–$5M‡30–90 days*What lenders look for
Typical profile for agriculture.
Lenders typically review several years of tax returns and production history, equipment and land values, and the owner's farming experience. Crop insurance and contracts with buyers can strengthen an application.
Common uses of funds
- Buying seed, fertilizer, and feed for the season
- Financing tractors, combines, or irrigation systems
- Building barns, greenhouses, or storage facilities
- Buying or expanding farmland
- Adding processing or direct-to-consumer sales capacity
- Covering operating costs until harvest income arrives
Can I get annual payments on farm equipment?
Some agricultural equipment lenders offer annual or semi-annual payment schedules aligned with harvest. Ask about this when comparing offers.
Are there government loan programs for farmers?
Yes, the USDA Farm Service Agency offers farm loan programs, and SBA loans can fund some ag-related businesses. Private lenders may move faster for equipment and operating lines.
Can a small or hobby farm get a business loan?
Lenders generally want to see the farm operating as a business with income and tax filings. Small operations may start with equipment financing.
Do lenders accept crop contracts as support for a loan?
Contracts with buyers can help show expected income, especially for operating lines, though lenders still review your production history.
Funding for agriculture, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor