Business Funding for Agriculture & Farming
The combine that would cut harvest time in half costs $350,000. Spring planting needs seed, fertilizer, and fuel before harvest revenue arrives. The neighboring acreage is available but requires immediate capital. Farms operate on seasonal cycles where equipment investment and working capital timing determine whether you grow or watch opportunities pass.
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Understanding Agricultural Finance
Farms face unique financing challenges driven by expensive equipment, extreme seasonality, weather dependence, and the fundamental disconnect between when expenses occur and when revenue arrives.
Equipment Intensity
Modern combines cost $300,000-$700,000. Tractors run $150,000-$400,000. Implements, storage, and support equipment add hundreds of thousands more. Farming is capital intensive.
Seasonal Cash Cycle
Spring planting requires massive input investment: seed, fertilizer, fuel, labor. Harvest revenue arrives 6+ months later. This gap is structural and fundamental to farming.
Weather and Price Risk
Crop yields depend on weather. Commodity prices fluctuate. Both are largely outside farmer control. Farm finance must account for inherent variability.
Land and Expansion
Farm profitability often requires scale. When neighboring land becomes available, the window is short. Capital for expansion requires speed.
Why Farm Financing is Different
Seasonal cycles, equipment intensity, and weather risk create unique capital needs.
Planting-to-Harvest Gap
Spring planting costs $200,000. Harvest revenue arrives in October. That's 6 months of funding the gap.
Equipment Capital Requirements
The combine is 15 years old. Modern equipment improves yield and efficiency. But $400,000 is a massive investment.
Land Expansion Timing
The neighbor is selling 320 acres. Other buyers are circling. You need capital faster than FSA or bank timelines allow.
Input Cost Volatility
Fertilizer prices doubled. Diesel is up 40%. Input costs don't wait for commodity price recovery.
Harvest Equipment Rush
Harvest window is narrow. Equipment breakdown during harvest is catastrophic. Repairs can't wait.
Year-to-Year Variation
Last year's drought. This year's price drop. Fixed payments ignore agricultural reality.
Financing Built for Agriculture
Capital solutions structured around how farms actually operate. We understand seasonal cycles, equipment intensity, harvest timing, and the reality that agricultural operations can't wait for traditional bank timelines.
Equipment Financing
Tractors, combines, implements, and farm equipment. Terms matched to useful life with seasonal payment options.
Operating Capital
Seed, fertilizer, fuel, and inputs. Bridge the gap between planting costs and harvest revenue.
Land Expansion
Capital for land acquisition when opportunities arise. Speed when neighboring acreage becomes available.
Seasonal Payment Structure
Payments can align with harvest revenue rather than monthly throughout the year.
Agricultural Understanding
We understand farm economics, commodity cycles, and agricultural business specifics.
Speed for Opportunities
Equipment deals and land opportunities don't wait. Faster decisions than traditional ag lenders.
How Farms Use Funding
Real scenarios where agricultural financing enables operations and growth.
Major Equipment
Combines, tractors, sprayers, and primary farm equipment.
Typical funding: $100K-$750K
Operating Inputs
Seed, fertilizer, chemicals, and fuel for planting season.
Typical funding: $50K-$400K
Land Acquisition
Purchase neighboring acreage when expansion opportunities arise.
Typical funding: $200K-$1M+
Storage and Infrastructure
Grain bins, buildings, irrigation, and farm infrastructure.
Typical funding: $75K-$400K
Implements and Attachments
Planters, tillage equipment, headers, and implements.
Typical funding: $25K-$200K
Harvest Bridge
Working capital to bridge between harvest and crop sales.
Typical funding: $50K-$250K
Agricultural Financing Options
Understanding the range of capital solutions for farms.
| Feature | Alternative Lender | FSA/Ag Bank | Equipment Dealer |
|---|---|---|---|
| Approval Speed | 7-21 days | 45-90 days | 14-30 days |
| Agricultural Understanding | High | Very High | Equipment only |
| Equipment Financing | Available | Available | Primary focus |
| Operating Capital | Available | Available | No |
| Land Financing | Limited | Available | No |
| Amount Range | $25K-$1M | $50K-$5M+ | Equipment value |
| Cost | Moderate | Lowest | Moderate |
| Seasonal Payments | Available | Standard | Sometimes |
Farm Qualification Basics
General guidelines for agricultural financing. Every situation is evaluated individually.
Established Operation
Operating farm with production history.
2+ years for most products
Annual Revenue
Demonstrated farm income from operations.
$200,000+ annual revenue
Land Base
Owned or leased farmland supporting operations.
Established land base
Equipment Value
For equipment financing, the asset provides collateral.
Equipment collateral
Farm Financials
Schedule F, tax returns, and farm financial statements.
2 years tax returns
Owner Credit
Owner credit reviewed. Farm equity and performance matter too.
Varies by product
Farms with established operations and consistent production demonstrate financing stability. Equipment and land provide collateral value.
Real Results
Prairie View Farms
Row Crop Farming, Iowa
The Challenge
Prairie View's 12-year-old combine needed replacing before harvest. A quality used John Deere S780 was available for $285,000 but would sell quickly. Their FSA operating loan was maxed and ag lender needed 45 days.
The Solution
We financed $300,000 for the combine with seasonal payment structure aligned to harvest revenue. Decision in 8 days, closing in 14.
The Result
Combine delivered 6 weeks before harvest. Improved efficiency reduced harvest time from 18 days to 11 days. Reduced crop loss from delayed harvest estimated at $45,000. Equipment investment paid productivity dividends immediately.
“The combine was going to sell. FSA was tapped out, ag bank needed 45 days. We would have missed harvest with the old machine limping along. Speed saved this year's crop.”
Agricultural Industry Snapshot
Key metrics shaping farm financing decisions.
Why Farms Choose Us
What sets agricultural financing apart.
Seasonal Understanding
We know farms spend in spring and receive in fall. Financing structured accordingly.
Equipment Expertise
We understand farm equipment values, useful life, and agricultural asset collateral.
Speed for Opportunities
Equipment and land opportunities have deadlines. Faster than traditional ag lenders.
Harvest-Aligned Payments
Payment structures can align with when you receive crop revenue.
Operating Capital
Bridge planting-to-harvest with working capital for inputs and operations.
Year-Round Partner
Not just equipment. Operating capital, expansion financing, and ongoing support.
Explore Your Options
Different financing products for different needs. Find the right solution for your business goals.
Equipment Financing
Finance tractors, combines, implements, and farm equipment. Terms matched to useful life with seasonal payment options.
Working Capital Loans
Bridge the planting-to-harvest gap. Seed, fertilizer, fuel, and input financing for the growing season.
Business Term Loans
Larger capital needs for expansion, infrastructure, or significant equipment acquisition.
Business Line of Credit
Pre-approved capital for variable farm needs. Draw for inputs, repairs, or opportunities as they arise.
Revenue-Based Financing
Payments tied to farm revenue. Harvest season pays more, off-season adjusts automatically.
Bad Credit Options
Farm operations and equity matter. Strong farms can qualify despite credit challenges.