$15K to $300K. In your account within 48 hours. Direct funded. No credit pull.
See What You Qualify ForAgriculture runs on a calendar that doesn't align with cash flow. Seed goes in the ground months before the crop comes out. Equipment breaks mid-harvest. Weather doesn't negotiate.
A 500-acre corn operation needs $40K-$60K in seed and fertilizer before a single stalk grows. Feed costs for livestock run $5K-$15K per month. These bills come due in spring. Your revenue shows up in fall.
A combine head repair is $15K. A tractor transmission is $12K. A new irrigation pump is $8K. These machines break during the 3-week window when you actually need them. You can't wait 6 weeks for a bank to review your application.
Six months of expenses before the first check arrives. Fuel, labor, crop insurance, land lease payments. A mid-size farm operation runs $15K-$40K per month in overhead. That's $90K-$240K between planting and harvest.
A late frost kills 30% of your crop. A drought cuts yields in half. Hail destroys what was going to be your best season. Insurance claims take months. Your bills don't pause while the adjuster reviews your claim.
We look at your farm's revenue, not your personal credit score. Most agricultural operations get a decision the same day.
Business name, monthly revenue, time in business. No 40-page SBA packet. No collateral list.
No credit pull. No collateral. We look at your deposits and cash flow. That's what matters.
24-48 hours after approval. Wire or ACH, your pick. Buy the seed, fix the equipment, cover the gap.
Planting season was two weeks away. They needed $55K for seed and fertilizer. The co-op wanted payment upfront this year. Bank said come back after harvest with your financials. We funded $55K in 48 hours. They planted on schedule.
Yes. We've funded farms and agricultural businesses with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.
Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.
$30K-$300K is the typical advance range for farms and agricultural businesses, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.
Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.
No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.
No credit pull. No paperwork. Just a quick form and we'll tell you what your farm qualifies for today.
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