Agriculture Business & Farm Loans, fast

Apply for financing today to build your business, upgrade your equipment, or fund your next project.
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$250K equipment loan approved!
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Reviews from farm owners

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

DB
Darin Benton

Sholom really delivered for my business. He was knowledgeable, professional, and quick to respond to any of my concerns......

FM
Frank Matthews

After other lenders dragged their feet, Steve came through with $200K. His professionalism is unmatched......

KC
Kirk Chambers

$300k secured stress-Free by matt matt woeked woners. I needed $300k, adn he made it happen without any stess......

DB
Darin Benton

Sholom really delivered for my business. He was knowledgeable, professional, and quick to respond to any of my concerns......

FM
Frank Matthews

After other lenders dragged their feet, Steve came through with $200K. His professionalism is unmatched......

KC
Kirk Chambers

$300k secured stress-Free by matt matt woeked woners. I needed $300k, adn he made it happen without any stess......

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Based on 235 reviews

Proven agriculture lending expertise

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

$89 million

in small business funding facilitated in the last decade.

4.7 stars

21,000 Trustpilot® reviews.
50% repeat customers.
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85% approval rating

21,000 Trustpilot® reviews.
50% repeat customers.
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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
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.
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Sunrise Capital 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. Sunrise Capital can match you with the perfect lender and loan product for your borrowing needs.

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Bridge capital between harvest seasons

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Purchase seeds, fertilizers, and farming equipment

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Refinance existing debt

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Pay your workers

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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 Sunrise Capital.

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

Line of Credit

With Sunrise Capital, clients can get approved for a revolving line of business credit in as little as 48 hours. The biggest benefit to a business line of credit is that you get access........

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

Short-Term Loans

Short-term business loans are typically repaid within two years or less time, depending on the conditions of the loan. They are best used when covering unexpected costs or when extra......

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

Long-Term Loans

Long-term business loans range from five to twenty years and are typically used when looking to make a larger investment or expansion in your business. Most often, these loans......

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

Invoice Factoring

Invoice factoring is a fantastic funding option for businesses that deal with invoicing and have had trouble tracking down payments. Essentially, with invoice factoring.......

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

FAQs

Find answers to commonly asked questions in the agriculture industry.

Contact Us
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 Sunrise Capital Marketplace.
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