Agriculture Business & Farm Loans, fast.

Apply for financing today to build your business, upgrade your equipment, or fund your next project.

$
Applying is free and won't impact your credit*
$250K equipment loan approved!

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Business owners love that Lendio helps them get funding without the headaches.

Proven agriculture lending expertise.

Get the answers and the funding you need with support all along the way.

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in small business funding facilitated in the last decade.

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75+ lenders

providing broad coverage for small business lending.

Four simple steps to agriculture funding.

Tell us about your business.

Answer a few simple questions and complete the application in minutes.

Submit your application.

We’ll present your application to our marketplace 75+ lenders. Applying is free and won’t impact your credit score.

Compare offers.

Find the funding option with the terms that best fit your small business goals.

Get funded.

Once you accept, funding can hit your bank account in as little as 24 hours.

Quickly estimate your funding options.
Time In Business
0 - 6 Months
6 - 12 Months
1 - 3 Years
3+ Years
Monthly revenue
Industry
Credit Score
Business type
Legal partnership
LLC
Corporation
Sole proprietor
Congrats--it looks like you qualify.*

Based on your business information you could qualify for up to $ 52,000 in funding

Funding amount *

$ 36,000 - $ 52,000

*Amount is an estimate only using the information provided Businesses like yours typically receive offers like these.
Compare your funding options today.
Apply now

Many businesses don't qualify for funding for all kinds of reasons. A few factors could include:

Not enough revenue
Not enough time in business
Credit score is too low

*Qualification criteria, rates, and other funding terms will vary depending on the type and location of your business, and upon other factors. This is not a guarantee of funding, and it should not be relied upon as an accurate assessment of the availability or terms of the represented funding products.

How much can I qualify for?

Not sure what you need or what funding options are best for you? Use our simple calculator to get a rough idea of your options with no commitment, and apply when you’re ready.

Lendio knows the agriculture business.

Whether you’re looking to purchase additional livestock or replace your current machinery, there are many loans for agricultural businesses you can utilize. Lendio can match you with the perfect lender and loan product for your borrowing needs.

Bridge capital between harvest seasons

Purchase seeds, fertilizers, and farming equipment

Refinance existing debt

Pay your workers

Invest in marketing

What type of commercial real estate funding is best for your business?

These are the most popular types of funding that other agriculture-based businesses qualify for through Lendio.

Business Line of Credit

Access available funds whenever you need them, and only pay interest on what you draw.

Revenue-Based Financing

Access funding based on your future revenue and repay with regular payments.

Equipment Financing

Finance the tools and equipment you need to grow your business without breaking the bank.

Types of business loans for the agricultural industry.

Revenue-based financing

Also called a business cash advance, revenue-based financing uses expected future revenue to secure funding. The borrowed amount is then repaid in daily or weekly payments.

Term Length
1–15 months
Max Loan Amount
$1 million

Term loan

Term loans often come with fixed monthly payments over a set period until the loan is paid in full. Online term loans frequently offer quick approval and funding times.

Term Length
6 months - 25 years
Max Loan Amount
$750,000

Line of credit

A business line of credit is a type of revolving credit, similar to a credit card. However, business lines of credit come with much higher credit limits, so they are a good option for both current and future capital needs.

Term Length
6-24 months
Max Loan Amount
up to $250,000

Equipment financing

Equipment financing is a special type of financing used to finance equipment for your agriculture business. Lenders will have different industries they work with, so your funding manager can help you connect with the right one. Learn more about farm equipment loans.

Term Length
1-5 years
Max Loan Amount
$5 million

FAQs

Find answers to commonly asked questions in the agriculture industry.

What is an agriculture business loan?

An agriculture business loan can help an agriculture business owner with any of their capital needs, whether it’s general business expenses or a large asset purchase.

What are the requirements to get an agriculture business loan?

To meet minimum requirements for a loan for agricultural business through Lendio, businesses must be at least six months old and have a monthly income of at least $8,000. Furthermore, business owners should have a credit score of 600 or more. The amount a business owner will be able to borrow will also depend on their current debt to income.

What can I use an agriculture business loan for?

The money received from an agriculture business loan can be used for any business expense, whether it’s fertilizer, feed, seed, fuel, or machinery costs. If you are purchasing a large asset, however, some loan products are better than others to reduce the amount you’ll pay in interest.

What are the benefits of an online lending marketplace?

Benefits of an online lending marketplace include a single, quick application, a network of lenders to choose from, and personalized support through a dedicated funding manager.

Can farmers qualify for an SBA loan?

While the SBA states that farms and agricultural businesses are eligible, many SBA lenders restrict working with farms. The Farm Service Agency offers an alternative government program for farmers seeking funding.

What farm loans are available through the Farm Service Agency (FSA)?

The Farm Service Agency (FSA) provides a range of farm loans designed to help agricultural businesses thrive, including options for beginners and established farmers alike.

  • Operating loans: These loans help farmers cover the day-to-day needs of their agricultural businesses. They’re the go-to for covering things like feed, fertilizer, or unexpected farm expenses. The maximum loan amount is $400,000.
  • Ownership loans: Want to own a farm? Ownership loans are for those who’re ready to take the leap and become farm owners. They help you buy, enlarge, or even improve a farm or ranch. Ownership loans are available for up to $600,000.
  • Emergency loans: Farming is unpredictable. So, when Mother Nature strikes, or a quarantine pops up, these loans help farmers and ranchers recover. They cover losses to crops, livestock, and farming real estate.
  • Youth loans: Hey, farming isn’t just for the grown-ups! If you’re a young person, aged 10-20, and want to start a small income-producing project, this loan’s for you. Show some responsibility and dedication, and you can get up to $5,000!
  • Beginning farmers and ranchers loans: Just starting out in the farming world? These loans help you get started, whether it’s to purchase, operate, or conserve your farm. A beginning farmer is classified as a person who has not operated a farm or ranch for more than 10 years and doesn’t own a farm larger than 30% of the average size farm in the country.
  • Microloan program: These loans are perfect for small and mid-sized farmers, or those just starting out. They cover expenses such as hoop houses to extend the growing season, essential tools, irrigation, delivery vehicles, and annual expenses like seed, fertilizer, utilities, land rents, marketing, and distribution costs. The maximum loan amount for this program is $50,000.
Are there lenders that cater specifically to farmers?

In addition to the Farm Service Agency, there are other dedicated lenders who understand the unique needs of our agricultural heroes — the farmers. Let’s dive into some of these specialized lending institutions.

Farm Credit

Farm Credit is a nationwide network of 68 customer-owned financial institutions that provides loans for farmers, ranchers, and other rural borrowers across the U.S. They offer a broad portfolio of services to support every phase of agricultural businesses.

  • Real estate loans: Whether you’re purchasing new land or refinancing existing property, Farm Credit provides real estate loans with competitive rates and flexible terms.
  • Farm loans: From large commercial farms to small hobby farms, Farm Credit offers loans for production expenses, equipment, livestock, and more to help your farm grow.
  • Young, Beginning, Small (YBS) Loans: To encourage the next generation of farmers, Farm Credit offers tailored services for young, beginning, and small farmers and ranchers.
  • Equipment leasing: To keep up with the latest technology without breaking the bank, consider Farm Credit’s equipment leasing options. They cover everything from tractors to combines, irrigation systems, and more.
  • Crop insurance: Farming is inherently risky. Farm Credit offers comprehensive crop insurance plans to help protect your livelihood from unpredictable weather and market conditions.
  • Agribusiness loans: For larger operations, Farm Credit provides flexible financing for agribusinesses including processing plants, food companies, biofuel manufacturers, and more.

With a deep understanding of the industry-specific challenges faced by the agricultural community, Farm Credit is committed to providing the financial services and resources needed to support the people who feed, clothe, and fuel our nation.

Farm Plus Financial

Farm Plus Financial is a lender that provides a range of financial solutions for farmers. They offer various loan programs tailored to the specific needs of farmers, including farm real estate loans, operating loans, equipment financing, and lines of credit. They aim to support farmers in growing and expanding their operations by providing flexible and competitive financing options.

Ready for funding?

See what you can qualify for on the Lendio Marketplace.