Agriculture Business & Farm Loans

Faster, easier small business financing with one simple application—no bank needed.

Applying is free and won’t impact your credit.

Reviews from farm owners.

Lendio knows agricultural small businesses.

Whether you’re looking to purchase additional livestock or replace your current machinery, there are many loans for agricultural businesses you can utilize. Lendio can match you with the perfect lender and loan product for your borrowing needs.

The agricultural business isn’t going anywhere. With rising populations all around the world, we need smart farmers more than ever before. By obtaining more working capital with the right type of loan, you will be able to expand your agriculture business in ways you never thought possible.

Expand your agriculture business with the perfect agriculture business loan. Whether you are looking to purchase additional land or machinery or simply need help with upcoming capital needs, an agricultural business loan can help you get to where you need to be. 

Why Lendio?

Fast funding time

Whether you have an emergency expense or a time-sensitive growth opportunity, Lendio helps you quickly connect with lenders who can help. The application form only takes about 15 minutes, and approved borrowers can receive funds within 24 hours.

Expert advice

Not sure how to compare your financing offers for your agriculture business? Ask your funding manager, a dedicated specialist from Lendio who can walk you through your options.

Expansive network of lenders

With over 75 lenders in the Lendio network, you can feel confident that you’ve left no stone unturned in finding the best business loan for your needs.

How our loan matching process works.


Fill out our simple application.

Answer just a few questions about your business to see which lending products you qualify for. We’ve partnered with over 75 lenders, allowing us to find the best option or your business.


We’ll connect you with a funding specialist.

One of our funding specialists will reach out to you to get to know your business better. Since every business is unique, we want to make sure we find the loan type that’s perfect for your needs.


Compare loan offers.

Compare different offers curated for your business. Select the capital amount and rate that will help take your business to the next level.


Get funded.

We work with lenders that can fund you fast. Once you’re approved, you’ll be able to access your capital in as little as 24 hours.

Types of business loans for the agricultural industry.

Revenue-based financing

Also called a business cash advance, revenue-based financing uses expected future revenue to secure funding. The borrowed amount is then repaid in daily or weekly payments.


1-15 months

$1 million

Term loan

Term loans often come with fixed monthly payments over a set period until the loan is paid in full. Online term loans frequently offer quick approval and funding times.


6 months-25 years


Line of credit

A business line of credit is a type of revolving credit, similar to a credit card. However, business lines of credit come with much higher credit limits, so they are a good option for both current and future capital needs.


6-24 months

Up to $250,000

Equipment financing

Equipment financing is a special type of financing used to finance equipment for your agriculture business. Lenders will have different industries they work with, so your funding manager can help you connect with the right one. Learn more about farm equipment loans.


1-5 years

$5 million


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.


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.


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.

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.

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. 

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.

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.

8 out 10 Lendio employees* or their families own a small business

*based on 136 Lendio employees who responded to an internal poll

Quickly compare financing options from multiple funders.

Applying is free and won’t impact your credit

Talk to a rep at (855) 853-6346
Mon-Fri 7:30am-5pm MST