Agriculture Business Loans

Get an agriculture business loan to keep your farm growing, season after season

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Terms & Conditions

General Acceptance

Any applications submitted electronically shall have the same force and effect as if the application bore an inked original signature(s). The above information, together with any accompanying financial statements, schedules, or other materials, is submitted for the purpose of obtaining credit and is warranted to be true, correct, and complete.


US Patriot Act:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person and business that seeks a business loan. What this means for you: When you apply for a loan, we will ask for your business name, address, and Tax Identification Number. We will also ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.


For Loan/Merchant Services:

The Merchant and Owner(s)/Officer(s) identified in the application (individually, an “Applicant”) each represents, acknowledges and agrees that (1) all information and documents provided to National Funding, Inc. (“NF”) including credit card processor statements are true, accurate and complete, (2) Applicant will immediately notify NF of any change in such information or financial condition, (3) Applicant authorizes NF to disclose all information and documents that NF may obtain including credit reports to other persons or entities (collectively, “Assignees”) that may be involved with or acquire commercial loans having daily repayment features and/or Merchant Cash Advance transactions, including without limitation the application therefor (collectively, “Transactions”) and each Assignee is authorized to use such information and documents, and share such information and documents with other Assignees, in connection with potential Transactions, (4) each Assignee will rely upon the accuracy and completeness of such information and documents, (5) NF, Assignees, and each of their representatives, successors, assigns and designees (collectively, “Recipients”) are authorized to request and receive any investigative reports, credit reports, statements from creditors or financial institutions, verification of information, or any other information that a Recipient deems necessary, (6) Applicant waives and releases any claims against Recipients and any information-providers arising from any act or omission relating to the requesting, receiving or release of information, and (7) each Owner/Officer represents that he or she is authorized to sign this form on behalf of Merchant.(8) I consent to receive direct mail, faxes, text-messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (9) this request is for business and not for consumer purposes.


For Equipment Services:

I hereby certify: (1) the information provided is true and correct, (2) you are hereby authorized to investigate all bank, credit, and trade references, and said references are hereby authorized to release any requested information to you or your nominee, (3) such authorization shall extend to obtaining personal credit profile in considering this application and subsequently for the purposes of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter(s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text-messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purposes.


Text Messaging:

By providing my wireless phone number to National Funding, Inc., I agree and acknowledge that National Funding, Inc. may send text and multimedia messages to my wireless phone number for any purpose. I agree that these text or multimedia messages may be regarding the products and/or services that I have previously purchased and products and/or services that National Funding, Inc. may market to me. I acknowledge that this consent may be removed at my request but that until such consent is revoked, I may receive text or multimedia messages from National Funding, Inc to my wireless phone number.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into the binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. If for any reason your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please write to National Funding Inc., 9820 Towne Centre Drive, San Diego, California 92121. Funding amount and credit approval is subject to a full credit profile review.

Types of Agriculture Loans

Small Business Loans

Small Business Loans

Get the capital you need
to pay workers, invest in
technology and cover expenses.

$5,000 to $500,000

Learn More

Equipment Financing and Leasing

Equipment Financing
and Leasing

Purchase or lease new and used
farm equipment for your business.

Up to $150,000

Learn More

How an Agriculture Business Loan Can Help You

Farming doesn't always work like other industries. Many farms and ranches are still a family affair. That makes it all the more important that you have cash on hand to pay for unexpected expenses or growth opportunities. Small business loans for agriculture businesses can help you get the cash you need. Securing a small business loan can sometimes be difficult in the agricultural industry since revenue isn’t always steady as seasons and plans change. That is why we offer agriculture funding options specifically for those who have a small farm or ranch in need of financing.

What are the Benefits of an Agriculture Business Loan?

A farm loan is beneficial because it offers access to funds to meet farming or ranching needs. An agricultural loan can either help sustain your current business needs or grow your business when you are ready to expand. It can also provide you with peace of mind by letting you focus on the important aspects of your farm rather than worrying about how you are going to fund farm expenses. Obtaining an agricultural loan can help you fund the essential aspects of your farm to continue to have a successful business, like new equipment, expansion, expenses and hiring employees. National Funding is dedicated to providing loan opportunities for farmers and ranchers, and we are here to help you along the way.

Finance New Equipment

  • Replace worn out combines, tractors or trucks
  • Agribusiness funding allows you to finance or lease new or used farm equipment

Hire Workers With an Agriculture Loan

  • Improve production by hiring the workforce you need to harvest crops
  • Help prevent livestock loss by having staff available round the clock

Expand Your Operation

  • Purchase more farmland to increase the yields of your farm
  • Invest in the future of your farm or ranch by adding new crops or upgrading livestock housing

Cash For Things Your Farm Needs

  • Pay everyday expenses like utilities or fuel bills
  • Cover the cost of new tools or hardware to keep your farm in top shape

How to Apply

How do small business loans for agriculture work? The agriculture loan procedure is simple and straightforward. After applying, a dedicated Loan Specialist will contact you to learn more about your farming business. You'll work directly with your Loan Specialist to explore your financing options. We'll help you customize an agriculture business loan to meet your needs.

How to Apply

How to Apply

What Customers Are Saying

Ron Beatty

Ron Beatty, Owner

Beatty Lawn & Tree Service

Knowing how hard it had been trying to secure small business loans in the past, this family-owned business sought out National Funding thanks to its reputation for accessible, hassle-free loans. Being able to purchase new, reliable equipment was a critical component for this growth business, and National Funding helped them make it happen.

Why National Funding?

It can be difficult to find small business loans for agriculture due to the unique nature of the industry. It's important to work with a lender who understands the financial challenges faced by farmers and ranchers. We take the time to learn about you and your farm before we make recommendations on small business agriculture loans.

We Know Agriculture Businesses

Experience supporting agriculture business owners

Trusted by Businesses Like Yours

Over $3 billion in funding to more than 50,000 businesses nationwide

Personalized Experience

Lending solutions and payment options tailored to your specific needs

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Loan Specialists Who Care

Experienced Loan Specialists help you make the right decision

Worry-Free Lending

No collateral requirements, plus simple, automatic payments


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) Potential Tax Savings:

The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. 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.


Agriculture Business Resources

Farming is an industry that doesn't run on time or money alone. To succeed, you need to have love and passion for your work. Many agriculture business owners just like you have faced similar challenges to secure agribusiness financing. Check out some of our resources below to help you learn more about types of loans in agriculture as well as tips for running a financially successful agriculture business.

Securing a Loan on Agriculture Land: The What, Why and How

Securing a Loan on Agriculture Land: The What, Why and How

Learn how farm business loans can help your agricultural business reach its goals. In addition to funding the purchase of new farmland, agribusiness loans can be used for a variety of operating costs like equipment maintenance. This blog details how to get a loan for farmland and helps you understand things to consider when looking for a farm loan.

Read More

3 Smart Ways to Invest Your Small Business Trucking Loans

When It's Worth It to Opt for Farm Equipment Financing

Wondering when it’s time to replace old farm equipment? You’ll need to consider factors such as how long you’ve been using your current equipment and if you’ve already had to repair it. You also need to determine if the equipment is essential to running your farm and if you can upgrade it to be more efficient. This article takes a look at why it might be a good idea to finance new or used equipment instead of using up cash reserves to replace equipment.

Read More

Could I Owe Taxes for Selling Used Trucking Equipment

What is a Section 179 Tax Reduction

Did you know you may be able to receive an immediate tax break when you purchase, lease or finance new farm equipment? In a bumper crop year, you can purchase the new harvester, tractor or sprayer your farm needs and potentially save on your tax bill. Read this blog to learn more about the deduction and how it can change your agriculture loan needs.

Read More

Frequently Asked Questions

Making the decision to apply for a farm loan can sometimes be difficult. That is why we are here to help and answer some of the most important questions. If you have additional questions, our Loan Specialists are available to answer any questions you may have.

What is an agriculture farm loan?

An agriculture farm loan from National Funding is a loan specifically designed to fund small farms and ranches. An agriculture business loan can be used towards purchasing farming equipment, land, supplies, and more. If you are ready to expand your farm, upgrade your ranch or simply need funds for everyday agricultural expenses, a farm loan can help you meet your goals.

At National Funding, we make it simple to qualify for an agriculture farm loan by offering our application process online, plus it only takes a few minutes to fill out. We won’t ask for extensive paperwork or a huge backlog on bank statements, just the basics. One of our Loan Specialists will get back to you shortly after to ask you a few questions to get a better idea of your agricultural business.

Since loan type, amount, and length varies by agricultural business, the loan interest will also vary. We have dedicated Loan Specialists here to help you determine what loan is best for you and your business needs.

Here at National Funding, we look at more than just your credit score to determine if you qualify for a loan. We offer alternative loan options for those who have bad credit and are in need of a loan. Bad credit shouldn’t stop you from having loan options available to you, so apply today to see if you qualify.

Ratings & Reviews

We've worked with thousands of business owners, including farmers like you, to help them find the right financing.