California FarmLink makes operating and equipment/infrastructure loans to farmers. We specialize in working with small farms and ranches. Our typical clients are not quite ready or the right fit for conventional bank loans. We have more flexible credit criteria that enable us to lend to farmers that have little or no credit or are in their first few seasons as farmers. We also specialize in providing credit to direct market and/or diversified farms that other lenders may not understand. Our staff has many years of small farm and sustainable ag advocacy experience and is focused on excellent customer service.
- Loan amounts: $5,000 to $100,000
- Interest rate: 7%, fixed
- Loan fee: 2% of loan amount (one-time charge, financed)
- Prepayment penalty: none
- Repayment period: typically ~ 1 year for operating loans and ~ 3 years for equipment/infrastructure loans
For farmers and ranchers that do not fit FarmLink's loan program for one reason or another, FarmLink also connects farmers with access to capital through other financing sources, including FSA direct loans, loans to purchase ag land, and alternative financing such as Slow Money, crowdfunding, etc.
Find Out More
To find out if you're a good candidate for a loan, contact the Regional Coordinator for your area. In the initial phone conversation, we will likely ask a few questions about your farm business, farm management and production experience, historical financials, farm plan and budget, and personal financials and credit history.
If you are a good fit for a loan, FarmLink will give you a loan application and a list of documents that you will need to provide, including tax returns, farm lease, production records, etc. Loans typically take 2-4 weeks to process from the time you submit a complete loan application package.
California FarmLink is a licensed California lender #605 4397.