Agricultural lending · North America

Capital for the land you already work.

AgroFunders funds individuals and businesses starting, running, or expanding an agricultural operation — from a first leased plot to a multi-site processing facility.

$140M+
Funded since 2016
2,400+
Operations funded
$5K–$500K
Loan range
How it works

Four steps, structured around your growing season

No site visit needed to start, and pre-qualifying never affects your credit score.

01

Apply

Tell us who you are, what the operation is (or will be), and how much funding it needs. About ten minutes.

02

Get underwritten

We assess land value, yield history, and your operating plan — not just a credit score.

03

Get funded

Receive a single disbursement, or staged draws tied to your planting and harvest schedule.

04

Repay on your terms

Choose monthly or seasonal repayment, set during underwriting to match how the operation earns.

Loan types

Secured or unsecured — whichever fits

Secured loans use land or equipment as collateral for larger amounts and lower rates. Unsecured loans need no collateral and move faster for smaller needs.

Secured

Secured agricultural loan

Use land, equipment, or an existing operation as collateral to unlock larger financing at a lower rate — built for expansion, land purchase, or major equipment.

$25K – $500K
Loan amount
36 – 120 mo
Term length
Unsecured

Unsecured working capital loan

No collateral required. Faster approval for seasonal inputs, first-year startup costs, or short-term working capital gaps.

$5K – $150K
Loan amount
12 – 60 mo
Term length
Estimate your loan

See roughly where your funding need lands

  • No impact to your credit score
  • No origination fees, no prepayment penalty
  • Paired with a dedicated lending specialist
$65,000
Growth tier
$1M$350M
Continue to application
Who qualifies

Built for first-time operators and established ones alike

  • Individuals starting a new agricultural operation (crop, livestock, aquaculture, or agro-processing)
  • Registered businesses seeking expansion, equipment, or working capital
  • Land under ownership, lease, or a signed purchase agreement
  • Operations based anywhere in the U.S. or Canada
  • No minimum years in business — a credible operating plan can stand in for track record
From the field

Operators who've used this funding

★★★★★

"The draw schedule matched planting, not a bank's fiscal quarter. That alone made the loan usable instead of just available."

RC
Row-crop operator
Nebraska
★★★★★

"We were three years in but still too small for traditional ag lenders. This was the first application that actually looked at our yield data."

PO
Poultry operation
Ontario
★★★★★

"Starting from zero acreage, zero track record. The plan mattered more than the paperwork here."

VG
First-year grower
Manitoba
Questions

Before you apply

Does checking my rate affect my credit score? +
No — pre-qualifying gives you an estimated rate and amount with a soft check only. A full credit check happens only if you move forward with a formal application.
What's the difference between secured and unsecured? +
Secured loans use land, equipment, or an existing operation as collateral, unlocking larger amounts and lower rates. Unsecured loans need no collateral but max out smaller and carry a higher rate.
How fast can I get funded? +
Most decisions come back within 5 business days of a completed application. Funding timing after approval depends on loan size and whether draws are staged to your season.
Will I work with a real person? +
Yes — every applicant is paired with a dedicated agricultural lending specialist who works the file from application through funding, by phone, email, or in person.
Get started

Start your application

Takes about ten minutes. A lending specialist follows up within 2–3 business days.

Submitting opens an email to admin@agrofunders.com with the application details

By submitting, you agree to be contacted about your application. No obligation to accept any offer.