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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 TYPES Use of funds Loan amounts Annual interest rate Loan fee (due prior to loan) Repayment terms
COVID-19 & Wildfire Emergency Loans
General farm/ranch expenses Up to $20,000 0%  None 2-year loan* with no payments required for first 6 months
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. $5,000-500,000 Rates from 7-8% 2% 12-14 months
Equipment Loans and Loans for Conservation Tractors, vehicles, irrigation, wells, hoop houses, etc. $5,000-500,000 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 Business Oversight.

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