Working capital that fits the growing season
Seed, feed, fuel and repairs all come before harvest or sale. A line of credit covers the season and you pay it down when the crop or livestock sells.
- Cover seed, feed and fuel
- Repair equipment before it costs you a season
- Bridge the gap until harvest or sale
Farming is the original seasonal business
Farms and ranches spend for months before they sell. Input costs keep rising, equipment breaks at the worst time, and weather can push everything back a few weeks.
Farms, ranches, nurseries, orchards and agricultural service companies use a Flex Credit Capital line to keep operations moving through the year.
Common uses
- Seed, fertilizer, feed and fuel
- Tractor, combine and equipment repairs
- Seasonal labor
- Irrigation, fencing and facility repairs
The basics we look for
If your business checks these boxes, it’s worth a few minutes to apply.
We look at how your business is actually doing, mostly through your recent bank statements. Your credit score matters less here than it does at a bank.
- Time in business6 months or more
- Monthly revenue$15,000 or more
- Business bank accountRecent statements
- LocationU.S.-based business
- CollateralNot required
Questions from farm and agriculture owners
Does uneven revenue hurt my application?
No. We expect agricultural revenue to rise and fall with the season.
Do you lend against land or livestock?
No collateral is required.
Can agricultural service businesses apply?
Yes, including custom harvesters, sprayers and other ag services.
See what your business qualifies for
Tell us what you need the money for and how much. A funding advisor will follow up with real numbers, usually the same day.