Fast
Online application in 5 minutes. Funds deposited the next business day — before next week's input order or custom-hire bill.
Agriculture Funding
Agriculture Business Funding Agriculture Business Funding for Farms & Ag Operations
Fast, flexible, responsible agriculture business funding from $5,000 to $5,000,000 — funded in as little as 24 hours, with no hard credit pull to apply. Coast Funding has financed farms, ranches, orchards, dairies, and ag-services operators across all 50 states since 2014.
4.8 / 5 on Trustpilot
No Hard Credit Pull
Funded in 24 Hours
Last reviewed: May 12, 2026 · Coast Funding Editorial Team
2014
Funding since
50
States served
$1B+
Deployed to operators
412
Verified reviews
Why Coast Funding
Why Farmers & Ranchers Choose Coast for Agriculture Business Funding
Ag operators face funding challenges traditional and federal lenders aren't built to solve fast: seasonal cash flow, commodity-price swings, high equipment costs, and the pressure to fund inputs before harvest. Our team has been financing agriculture since 2014 and approves farm loans based on operation cash flow — not months of paperwork.
Flexible
Six funding products built for ag — from $5K seasonal bridges to $5M equipment financing for combines and irrigation systems.
Responsible
The only funding partner committed to guiding clients to responsible decisions — not just the biggest check.
Funding Options
Agriculture Funding Options
Whether you need agricultural equipment financing for a new harvester, seasonal capital for seed and feed, or capital for a land buy, we have a program built for it.
Equipment Financing
Agricultural Equipment Financing
$10,000 – $5,000,000 · 2–7 years
Finance new and used tractors, combines, harvesters, sprayers, balers, planters, tillage equipment, and irrigation systems with fixed payments structured around your harvest season.
Explore equipment financing →
Working Capital
Farm Working Capital
$5,000 – $2,000,000 · 3–24 months
Cash upfront for seed, feed, chemicals, fertilizer, fuel, and seasonal labor. Approval driven by operation deposits and contracts, not just credit.
Explore working capital →
Seasonal Line of Credit
Seasonal Line of Credit
$10,000 – $500,000 · Revolving
Draw at planting, repay at harvest. Revolving access with monthly rates starting at 2.99% — perfectly matched to your growing and harvest cycle.
Explore lines of credit →
Land & Facility Term Loan
Land & Facility Term Loan
$10,000 – $1,000,000 · Up to 5 years
Fixed-term capital for land acquisitions, barns, grain bins, cold storage, processing facilities, and full operation buyouts. Predictable annual or monthly payments.
Explore term loans →
Commodity Receivables
Commodity Receivables Financing
$10,000 – $1,000,000 · Contract-based
Advance against forward contracts, packer settlements, milk checks, and elevator receipts. Turn signed contracts into cash today instead of waiting on settlement.
Explore receivables financing →
Livestock Financing
Livestock Financing
$10,000 – $1,000,000
Capital for feeder cattle, breeding stock, dairy cows, hogs, poultry, sheep, and goats. Fund herd acquisitions, replacements, or expansion based on operation cash flow.
Apply for livestock financing →| Program | Amount | Term | Best For |
|---|---|---|---|
| Equipment Financing | $10K – $5M | 2 – 7 years | Tractors, combines, sprayers, irrigation |
| Seasonal Line of Credit | $10K – $500K | Revolving | Plant-to-harvest cash flow, monthly rates from 2.99% |
| Working Capital | $5K – $2M | 3 – 24 months | Seed, feed, chemicals, fuel, labor |
| Land & Facility Loan | $10K – $1M | Up to 5 years | Land, barns, grain bins, cold storage |
| Commodity Receivables | $10K – $1M | Contract-based | Forward contracts, packer settlements |
| Livestock Financing | $10K – $1M | Varies | Cattle, dairy herd, hogs, poultry |
All rates, terms, and amounts are illustrative and subject to underwriting, borrower qualifications, and applicable state regulations. Certain programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720.
Your Funding Roadmap
How to Apply for Agriculture Funding
Three steps. Five minutes to start. No hard credit pull, no application fees.
Complete the application
5-minute online form plus 4 months of business bank statements (or link via Plaid). No fees, no obligation.
Review your offer
A Business Funding Advisor calls you within hours with pre-qualified offers matched to your growing season cash flow.
Sign and get funded
Funds can be deposited into your business account in as little as 24 hours after the signed agreement.
$10K+
Minimum monthly gross revenue to qualify for most programs
Ag Qualifications
Approved by Operation — Not Just Credit
We approve based on operation deposits, commodity contracts, time in business, and seasonal cash-flow patterns — not a credit score in isolation. Here's exactly what underwriting reviews.
Minimum Requirements
- 6+ months in operation (3 months for select programs)
- $10,000+ in monthly gross revenue (crop, livestock, or ag-services)
- U.S.-based operation with a business bank account
- Valid government ID and business documentation
What We Review
- Last 4 months of business bank statements
- Commodity contracts and settlement deposits
- Time in operation and entity structure
- Crop / livestock mix and seasonality patterns
Common Use Cases
What Ag Operators Use Coast Funding For
From buying a new tractor to expanding the herd, our ag clients deploy capital in four recurring patterns.
Tractors & Equipment
Seed, Feed & Chemicals
Irrigation & Infrastructure
Livestock & Herd
Frequently Asked Questions
Agriculture Business Funding FAQ
The 10 questions farmers and ranchers ask us most.
How do I manage seasonal cash flow on the farm?
Most ag operators use a seasonal line of credit drawn at planting and repaid at harvest. You only draw what you need for seed, feed, chemicals, and labor, then repay when commodity contracts or packer settlements clear. Revolving lines refresh as you pay them down.
Can I finance a new or used tractor, combine, or harvester?
Yes. Agricultural equipment financing covers new and used tractors, combines, harvesters, sprayers, balers, planters, tillage equipment, and implements. Terms run 2–7 years with fixed monthly or annual payments structured around your harvest season.
Can I get a loan for livestock or dairy herd?
Yes. Livestock financing covers feeder cattle, breeding stock, dairy cows, hogs, poultry, sheep, and goats. We can fund herd acquisitions, replacement animals, or expansion. Approval is based on operation cash flow and bank deposit trends.
Can I finance irrigation systems and water infrastructure?
Yes. Irrigation financing covers center pivots, drip and micro-irrigation, wells, pumps, mainline pipe, soil moisture sensors, and water-efficiency upgrades. Many growers qualify for equipment financing terms of 5–7 years on irrigation infrastructure.
Can I get funding for the harvest season?
Yes. Pre-harvest working capital and short-term lines of credit are common. Capital is used for fuel, parts, custom hire, seasonal labor, and inputs. Most operators repay the line within 30–90 days of harvest settlement.
Can I get funding to expand acres or buy a neighboring farm?
Yes. Land and facility term loans fund land acquisition, barn and grain bin construction, processing facility builds, and cold storage. We can also fund the buyout of a neighboring operation combined with working capital for the transition.
How does Coast Funding compare to federal ag lenders like FSA or Farm Credit?
Federal ag lenders (USDA FSA, Farm Credit System) typically offer the lowest rates but require months of paperwork, real estate collateral, and strict eligibility. Coast Funding fills the gap: faster approvals (24 hours vs months), no real estate collateral required, and underwriting based on bank deposits rather than tax-return P&L.
Can I get an ag loan with bad credit?
Yes. Coast Funding works with farmers and ranchers across the credit spectrum. Our underwriters weigh recent deposits, commodity contracts, and time in operation — not just credit scores. Bad-credit borrowers typically qualify for working capital or receivables financing.
Does applying hurt my credit score?
No. There is no hard credit pull to apply with Coast Funding. A hard inquiry occurs only if a specific product requires it after you accept an offer.
Is Coast Funding licensed?
Yes. Certain Coast Funding programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720. Coast Funding Services LLC is headquartered in San Diego, California.
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