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Loan Types and Terms

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California FarmLink makes business loans to farmers and ranchers. We specialize in working with beginning and organic farmers, immigrant farmers, and small- and mid-sized operations. Our typical clients are not quite ready or the right fit for commercial bank loans. We can often be more flexible with our credit criteria, and lend to people with little or no credit.

We are familiar with sustainable agriculture, regenerative farming,. direct marketing, and diversified farms. Our staff has many years of small farm and sustainable ag advocacy experience, and we strive to provide excellent customer service. Make a Loan Inquiry when you’re ready. Our current loan products include:

LOAN TYPESUse of fundsLoan amountsAnnual interest rateLoan fee
(due prior to loan)
Repayment terms
Starter Loans (new businesses)Operating expenses$1,500- 5,0007%2%12-14 months
Operating LoansSeeds, rent, labor, marketing, etc.$5,000 – 500,0007%2%12-14 months
Equipment Loans and Loans for ConservationTractors, vehicles, irrigation, wells, hoop houses, etc.$5,000- 500,0007%2%1-7 years
Land LoansPurchase or refinance of ag landUp to $1.4MRates Variable, typically 5% – 6%1% – 2% based on loan sizeUp to 30 years
Line of CreditPayment advance for accounts receivable (with buyer contract)$5,000- $100,0001% per transaction2%30 days;
repaid by contracted buyer
* For loans >$50,000, California FarmLink typically requires a loan guarantee from the USDA Farm Service Agency, which we help to facilitate.

* If your needs are not listed, please contact us

 

We’re pioneering conservation finance for working farms and ranchers. If you want to invest in conservation on your farm or if you’re in the Monterey Bay area, learn about our Conservation Incentive Loans and  Resource Efficiency Loan Partnership.

California FarmLink is a licensed lender. Our loans are made pursuant to our California Finance Lenders License (#605 4397), issued by the California Department of Business Oversight.

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