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Farm and agricultural loans for growers and agribusinesses
USD finance for inputs, irrigation, equipment and storage, arranged through lenders that understand seasonal income.
What this financing is and how we arrange it
Farm income arrives in lumps at harvest, so a monthly repayment profile can be a poor fit. We help business owners prepare applications and connect with independent lenders that lend across borders, with expert advice to improve your chances of approval.
Machinery purchases are often handled through equipment financing, and solar for pumps or cold storage under green energy loans.
When it fits
- Growers financing seed, fertiliser and labour before harvest
- Exporters of produce that are paid weeks after shipment
- Processors and packers adding storage or cold-chain
- Farms investing in irrigation or mechanisation
What lenders typically ask for
- Land documents or lease and proof of operation
- Production history and expected yields
- Offtake contracts or buyer agreements where they exist
- Bank statements and ID for owners
An illustration
A produce exporter needs USD 70,000 for inputs and packing before a harvest that will be sold under a buyer contract. The contract and production history show how the loan will be repaid. Lenders decide whether to align repayments with harvest income.
For illustration only. This is not an offer, rate or quote.
How it compares
Unlike a standard small business loan, farm facilities are often sized to a crop cycle and may be repaid in fewer, larger instalments. Buyers’ contracts carry weight in the assessment.
I was unsure at first but everything went smooth. Highly recommend for online loans for international entrepreneurs.
Frequently asked questions
Can repayments follow my harvest?
Some lenders will structure repayments around harvest income. This is agreed with the lender, not guaranteed.
Do I need to own the land?
Not always. A lease and proof of operation may be accepted, depending on the lender.
Is crop insurance required?
Some lenders ask for it. Requirements are stated in the lender’s offer.
Related financing options
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