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Agriculture

Funding for the seasonal and equipment-heavy demands of agriculture.

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Industry-Specific Programs
Nationwide Financing
Fast Decisions
Dedicated Funding Specialists
Who We Serve

Farms and agriculture-related businesses.

Funding Challenges

Agriculture businesses face major seasonal cash flow swings, with significant costs for equipment, seed, and labor well ahead of harvest revenue.

Funding options that fit

Common ways agriculture businesses access capital.

Equipment financing for machinery
Working capital for seasonal operating costs
Funding ahead of planting or harvest seasons

Why Agriculture businesses choose us

Equipment Financing for Farm Machinery

Financing tractors, harvesters, or other equipment.

Seasonal Working Capital

Funding structured around planting and harvest cycles rather than flat monthly revenue.

Land & Facility Options

Financing for land improvements or storage facilities.

What funding partners consider

Factors that commonly shape funding options for agriculture businesses.

Typically Reviewed
Planting & Harvest Cycle

Lending partners may structure terms around your seasonal revenue cycle.

Land Ownership & Equipment Value

Owned land and equipment can factor into your options.

Crop or Operation Type

The specific type of agricultural operation may affect available programs.

Example scenarios

A few ways agriculture businesses put funding to work.

Financing Farm Equipment

Purchasing or replacing machinery ahead of a planting or harvest season.

Covering Costs Between Harvests

Managing operating costs during the gap before harvest revenue arrives.

Expanding Storage Capacity

Funding a new storage facility or upgrade.

Recommended funding for Agriculture

SBA Loans

Longer-term financing options for qualified businesses, backed by the U.S. Small Business Administration.

Invoice Factoring

Convert outstanding invoices into working capital instead of waiting on customer payment terms.

Working Capital

Access capital for day-to-day operating needs, from payroll to inventory to marketing.

Equipment Financing

Finance equipment without tying up all your working capital.

Common funding needs for agriculture businesses

New Location Financing

Equipment Purchase

Business Expansion

Payroll Financing

Frequently asked questions

For agriculture, that typically means equipment financing for machinery, working capital to cover costs between planting and harvest, and seasonal-structured programs rather than a one-size-fits-all product.
Agricultural cash flow is seasonal by nature, so lenders in our network often look at planting and harvest cycles, land and equipment ownership, and the type of operation rather than assuming flat, even monthly revenue.
Some programs offer seasonal structures that align with agricultural cash flow cycles.
Many equipment financing programs cover used machinery, though terms vary by age and condition.
Options exist for financing certain land and facility improvements, depending on the program.

Other industries we fund

Healthcare

Professional Services

Hospitality

E-commerce

Wholesale

Restaurants

Manufacturing

Automotive

Funding built for Agriculture businesses

One application, matched to funding options across our lending network.

Get Started → Explore Funding Options