Agriculture Business Loans & Financing

Keep your agribusiness running smoothly — through any economy or any season

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How an Agriculture Loan Can Help You

If you own a farming, ranching or other agriculture business, you know just how much time and energy you must invest to make your business successful. Often, this includes investing cash into your farm or agribusiness to keep it running smoothly. Working in the field and taking care of livestock are full-time commitments, meaning you likely don't have time to wonder how to get a farm loan. You need an agriculture loan from a lender you can trust to understand how the agriculture industry works.

When you work with National Funding, you can rest easy knowing we have many years of experience in providing loans and financing solutions for those who work within the agriculture, ranching or farming field. We can help you to achieve your short, medium and long-term financial goals, all while minimizing the amount of time you have to spend thinking about the business side of your operation. Plus, we make it quick and easy to access an agriculture business loan.

Simply Follow the Steps Below:

  • Apply online: Start the process by applying online via our secure website. Unlike traditional lenders, like banks or credit unions, we will only ask for necessary information related to your loan application.
  • Provide documentation: We will need your last 3-months bank statements for your business, plus the cover page from your last tax return.Once this is provided to us we can make a firm lending commitment and provide you with all of the relevant details surrounding your proposed agricultural business loan.
  • Get the cash you need: With funding available fast, you can access the cash you need to support your continued business operations. We don’t make you wait weeks or months for a loan approval.

Improve the Efficiency of Your Farm or Ranch by Working with Us

Working with an expert in the agribusiness loan field like National Funding means you can draw upon our experience and expertise within the financial services industry. Thousands of businesses just like yours have partnered with us to create customized financial solutions that provide a host of benefits. Here are a few of the ways you can improve the efficiency of your farm or ranch by working with us:

  • Purchase new or used equipment: A farm or agricultural business requires machinery, tools, equipment, and more, to ensure safe and efficient completion of tasks. If you are looking for a way to increase your level of competitiveness within your field, consider our equipment financing or small business lending solutions to help you purchase the tools or equipment that you need.
Agriculture business loans and financing
  • Hire staff members: More workers on the farm equate to increased production, so make sure that you maintain an adequate level of staffing at your agricultural business to ensure consistent results. You can also use your small business capital to train new workers or increase wages to enhance retention and performance.

You work within a field that does so much good for humanity. By providing agricultural products like fruits, vegetables, and meat products for the general public, you literally feed the nation. Be sure that you operate as efficiently as possible and tackle all of your short, medium, and long-term financial goals, by partnering with us today. Apply online today to learn more about our agriculture business loans.

Small Business Loans

When others say no .... National Funding says YES!

National Funding is a top nationwide lender and convenient resource for business loans. We offer the flexibility to create small business loans with terms that meet your specific needs as a borrower. Our high approval rates mean that we can say ‘yes’ when other lenders say no. You’ll get a dedicated Loan Specialist who has specific knowledge about your industry and will provide you one-on-one personalized service.

There is no obligation to get started, and no need for collateral or a down payment. Click or call and receive a quick decision and funding in as little as 24 hours1.

  • Loans from $5,000 to $500,000

  • No collateral required

  • Easy, no cost, no obligation application

  • Automatic payments

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Legal Disclosures

True to our mission, we encourage you to read the following policies and learn how they affect you as a client.


(1) 24 hours:

Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.


(2) Early payoff discounts:

National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process.  Equipment Finance customers who pay off the total remaining balance early,  at any point during the contract, will automatically receive a 6% discount off the total remaining balance.   Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance.  We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.


(3) Automatic payments:

Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.


(4) Wide variety of payment options:

  • Equipment Financing: payments are remitted monthly with terms of 2-5 years
  • Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months


(5) Huge potential tax savings:

Section 179 tax deduction is a lucrative and important tax break that has been made permanent across the board, under the Protecting America from Tax Hikes Act (PATH Act).  In most cases, the IRS allows your equipment lease or loan payments to be 100% tax deductible!  You can secure the equipment, tools, and technology that you need, while also taking advantage of significant tax deductions — up to $500,000.  Consult your tax professional for more details.


(6) Guaranteed lowest payment:

Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.

In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.

The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.

The Guaranteed Lowest Payment may be discontinued at any time without notice.

To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.


(7) Terms and Conditions apply:

This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.


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