Agricultural business loans, simplified.
From planting season inputs to new equipment and infrastructure — we connect farms, ranches, and ag operations with capital that moves as fast as your growing season demands.
The Challenge
Farming runs on front-loaded costs and delayed revenue
Agricultural businesses spend heavily on seed, feed, labor, and equipment months before seeing any return. Between weather uncertainty, commodity price swings, and the long gap between planting and harvest — reliable access to working capital is essential to keeping your operation running and growing.
Equipment & Machinery
Tractors, combines, irrigation pivots, and implements are expensive to buy, replace, and maintain — but essential to every acre you work.
Seed, Feed & Inputs
Crop inputs, livestock feed, fertilizer, and chemicals all need to be purchased upfront — often months before any revenue comes in from harvest or market.
Infrastructure & Land
Building grain storage, upgrading irrigation systems, adding fencing, or improving barns and processing facilities requires significant capital investment.
Seasonal Cash Flow
Revenue is concentrated around harvest or market cycles, but labor, land payments, insurance, and operating costs are year-round obligations.
Financing Options
Choose the right financing for your agricultural operation
Whether you run a row crop farm, a ranch, or a specialty ag business — our products are designed to match the seasonal rhythms of agriculture.
Business Line of Credit
Revolving credit to cover seed, feed, fuel, and operating costs throughout the growing season. Draw what you need and replenish as crops sell or livestock goes to market.
- Amount
- $5K – $250K
- Speed
- 1–2 days
- Min. FICO
- 600+
Business Term Loan
A lump sum with fixed payments for major investments — building new storage, upgrading irrigation, expanding acreage, or constructing processing facilities.
- Amount
- $5K – $500K
- Speed
- 2–5 days
- Min. FICO
- 650+
Equipment Financing
Finance up to 100% of tractors, combines, planters, sprayers, irrigation systems, and other farm machinery. The equipment itself serves as collateral.
- Amount
- Up to 100%
- Speed
- 2–7 days
- Min. FICO
- 600+
Revenue-Based Financing
Get a lump sum based on your operation's revenue — repaid as a percentage of daily or weekly deposits. Ideal for bridging the gap between planting costs and harvest income.
- Amount
- $5K – $2M
- Speed
- 24 hours
- Min. FICO
- 500+
Invoice Financing
Unlock cash from outstanding invoices owed by distributors, co-ops, processors, or wholesale buyers. Advance up to 90% of the invoice value within 24 hours.
- Amount
- Up to 90%
- Speed
- 24 hours
- Min. FICO
- 600+
Not sure which product fits?
Our advisors understand agricultural operations and can help match you with the right financing for your farm or ranch.
Talk to an AdvisorEligibility
Do I qualify for agricultural financing?
Minimum Qualifications
- 500+ personal FICO (varies by product)
- At least 3 months in business
- $4,000+ in monthly revenue
- Active business checking account
What You Need to Apply
- Basic info about your farm or ag operation
- Last 3 months business bank statements
- Owner identification
- 3–5 minute application
Applying is free and won't impact your credit score.
Funding Estimator
How much could your ag operation qualify for?
Select your credit range and monthly revenue to see an estimated funding amount.
Free to apply · No credit impact
*Results shown are for general informational purposes and illustration only, and are not to be treated as an offer. Applications are subject to approval.
Use Cases
How agricultural businesses use Ridgepeak Capital
Purchasing a combine ahead of harvest
A grain farmer needs to replace an aging combine before a 2,000-acre harvest begins. Equipment financing covers the full $280K cost with the machine as collateral — preserving cash for fuel and labor.
Equipment FinancingCovering pre-season seed and fertilizer costs
A row crop operation needs $90K in seed, fertilizer, and herbicide before a single row is planted. A line of credit covers the inputs and gets repaid after the crop goes to market in the fall.
Line of CreditBuilding additional grain storage capacity
A corn and soybean operation wants to add 100,000 bushels of on-farm storage to take advantage of better pricing in the off-season. A term loan funds the $200K project with fixed monthly payments.
Term LoanReplacing a broken irrigation pivot mid-season
A vegetable farm loses a center pivot during a critical growing window. The $55K replacement can't wait — revenue-based financing delivers the capital within 24 hours so the crop isn't lost.
Revenue-Based FinancingHow It Works
From application to funding in three steps
Apply in minutes
Complete our quick online application in under 5 minutes — from the house, the barn, or the truck. No paperwork and no credit impact.
Get matched
Our platform evaluates your operation and matches you with financing options from our network of 75+ lenders who understand agricultural businesses.
Get funded
Choose the best offer and receive capital in your business account in as little as 24 hours. Put it to work on the ground when it matters most.
FAQs
Common questions about agricultural financing
Everything farmers, ranchers, and ag operators need to know before applying.
What types of financing are available for agricultural businesses?
Agricultural businesses can access business lines of credit for seed, feed, and seasonal inputs, term loans for infrastructure and land improvements, equipment financing for tractors, combines, irrigation, and implements, revenue-based financing for fast working capital, and invoice financing to unlock cash from outstanding distributor, co-op, and processor receivables.
Can I get an agricultural loan with bad credit?
Yes. Revenue-based financing is available with FICO scores as low as 500 and qualifies based primarily on your monthly revenue rather than credit history. Other products like lines of credit and equipment financing generally require a 600+ score. Each product has different criteria, so there are options across most credit profiles.
How fast can a farm or ag business get funded?
Revenue-based financing and lines of credit can fund in as little as 24 hours after approval. Equipment financing and term loans usually take 2 to 7 business days depending on the amount and documentation. The application itself takes less than 5 minutes.
What can I use an agricultural business loan for?
Agricultural financing can be used for equipment purchases and repairs, seed, fertilizer, and crop inputs, livestock purchases, irrigation and infrastructure upgrades, land improvements and fencing, seasonal labor and payroll, storage and processing facilities, or bridging the gap between planting costs and harvest revenue. Funds deposit directly to your business account.
Do I need collateral for an agricultural loan?
Not for all products. Revenue-based financing and business lines of credit are unsecured — no collateral required. Equipment financing uses the equipment itself as collateral, so you don't need additional assets. Term loans may require a personal guarantee or lien on assets depending on the lender and loan amount.
How much can an agricultural business borrow?
Funding amounts range from $5,000 to $2 million depending on the product, your annual revenue, and time in operation. Most farms and ag businesses qualify for $25K to $500K based on their monthly revenue and operational scale. Revenue-based financing offers the widest range, while lines of credit max out at $250K.
Ready to invest in your operation?
Apply in minutes. No impact to your credit score, and funding can arrive in as little as 24 hours.
Apply NowHave questions? Talk to an advisor.
Our team understands the seasonal demands of agriculture and can help you find the right funding for your farm or ranch.
Contact Us*The content provided on this page reflects the opinions and insights of Ridgepeak Capital, based on our research, methodologies, evaluations, and various additional considerations. This information is accurate as of the initial publication date. Ridgepeak Capital makes every effort to update and maintain the accuracy of this content, however, the information may differ from what you may find on other platforms. All information is presented without any warranty. We encourage you to carefully review the terms and conditions, relevant policies, contractual agreements, and all applicable details of the financial institution when considering offers. The ranges mentioned here do not represent pre-qualified offers. Ranges may be greater or less based on the information provided in your business financing application. Ridgepeak Capital may receive compensation from financial institutions reviewed on this page if you proceed to obtain business financing through them.