Loan Types and Terms

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

Our clients appreciate our focus on resource-based economies and flexibility that meets their needs. We actively support sustainable and organic agriculture, regenerative farming, direct marketing, and diversified farms. Starting in October 2021, we are also able to help California-based, family-scale fishers to access affordable capital. Fisheries businesses are invited to make a Fisheries Loan Inquiry.

Our staff has deep experience in farm lending and small business development. We invite you to make a Farm Loan Inquiry to learn more. 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-$1.825M	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-$1.825M	Rates from 7-8%	2%	1-7 years
Land Loans	Purchase or refinance of ag land	Up to $1.825M	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.