Skip links

Loan Types and Terms

From starter loans to land loans, California FarmLink’s lending is designed specifically for farmers and ranchers.

We focus beginning and organic farmers, immigrant farmers, and small- and mid-sized operations. Our clients appreciate our focus on farming and resource-based economies and flexible approach that meets their needs. We know and appreciate sustainable and organic  agriculture, regenerative farming practices, 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 TYPES Use of funds Loan amounts Annual interest rate Loan fee (due prior to loan) Repayment terms
Starter Loans (new businesses) General farm/ranch expenses $1,500- 5,000 Rates from 7-8% 2% 12-14 months
Operating Loans Seeds/transplants, rent, labor, marketing, etc. $5,000-$1.75M Rates from 7-8% 2% 12-14 months
Term Loans for Equipment, Conservation, Orchard Development, etc Tractors, vehicles, irrigation, wells, hoop houses, etc. $5,000-$1.75M Rates from 7-8% 2% 1-7 years
Land Loans Purchase or refinance of ag land Up to $1.75M Rates vary, typically 5-7% 1% – 2% based on loan size Up to  30 years
Line of Credit Payment advance for accounts receivable (with buyer contract) $5,000- $100,000 1% per transaction 2% 30 days; repaid by contracted buyer
* Interest will start to accrue if the loan term is extended beyond two years.
Note: For loans >$50,000, California FarmLink typically requires a loan guarantee from the USDA Farm Service Agency, which we can help to facilitate. If your needs are not listed, please contact us.

We are also providing conservation financing for working farms and ranchers. If you want to invest in conservation on your farm or if you are 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 Financial Protection and Innovation.

Return to top of page