Agricultural Loans
Financing from $100K to $25M for farmers, ranchers and agribusinesses: land, equipment, operating capital, livestock and facilities, with repayment built around your harvest.
Financing That Follows the Seasons
Agriculture runs on cycles, and your financing should too. ER Capital Partners structures agricultural loans with annual, semi-annual or harvest-timed payments, so repayment lines up with when your operation actually earns.
We lend to row-crop and specialty growers, cattle and dairy operations, poultry, aquaculture, nurseries, vineyards and agribusiness processors. Loans can be secured by farmland, equipment, crops or livestock, and smaller operating lines are available unsecured.
Program Highlights
- Annual, semi-annual or harvest-timed payments
- Farmland, equipment, crops or livestock as collateral
- Unsecured operating lines for established operators
- Works alongside USDA / FSA and other programs
- Fast closings ahead of planting and purchase deadlines
- Available across the United States, Canada, the UAE, the UK and selected international markets
What You Can Finance
Farmland & Ranch Purchase
Buy or expand acreage.
Equipment & Machinery
Tractors, combines, irrigation and processing equipment.
Operating Capital
Seed, fertilizer, feed, fuel and labor.
Livestock
Herd purchases and expansion.
Facilities
Barns, storage, greenhouses and irrigation.
Agribusiness
Processing, packing, distribution and food production.
Typical Requirements
- Active agricultural operation or experienced operator
- Production history or credible operating plan
- Collateral or strong operating cash flow
- Crop or livestock insurance where applicable
Documents We Will Ask For
- Executive summary and use of funds
- Three years of farm financials or Schedule F
- Production records and current balance sheet
- Land, lease and equipment documents
- Crop insurance and program participation details
You can upload these directly with your loan request form.
From Request to Funding in 4 Steps
Submit Your Request
Complete the loan request form and attach your executive summary and use of funds.
Receive a Term Sheet
A loan officer reviews your file and issues indicative terms, often within 24–48 hours.
Underwriting
We verify financials, collateral (if any) and your plan, with one point of contact throughout.
Close & Fund
Sign your loan documents and receive funds by wire, in USD, CAD, AED or GBP.
Frequently Asked Questions
Can payments match my harvest?
Yes. We offer annual, semi-annual and harvest-timed payment schedules so repayment lines up with your income.
Do you finance first-generation farmers?
Yes, with a credible operating plan, relevant experience and appropriate collateral or partners.
Can you work alongside USDA / FSA loans?
Yes. We regularly structure loans that sit alongside government-guaranteed and program financing.
You May Also Consider
Secured Business Loans
Larger amounts and sharper pricing backed by real estate, equipment, receivables, inventory or other assets.
General SME Loans
Financing from $250K to $10M for established SMEs: growth capital, acquisitions, working capital lines and refinancing.
Unsecured Business Loans
Capital without pledging property or equipment. Approved on cash flow, revenue and track record, with decisions in 24–48 hours.
Lending Across the U.S., Canada, UAE, UK & Beyond
ER Capital Partners funds borrowers throughout the United States, Canada, the United Arab Emirates, the United Kingdom and selected international markets. We lend directly or with locally licensed partners where required, in USD, CAD, AED and GBP, with secured and unsecured options in every market.
United States
All 50 states
Canada
All provinces
United Arab Emirates
Dubai, Abu Dhabi & beyond
United Kingdom
England, Scotland, Wales & NI
Selected Markets
Approved international markets
Ready to Talk About Your Agricultural Loans?
Submit your request with your executive summary and use of funds. A loan officer will respond within one business day. No application fee, no obligation.