Farmland Loans

Unlock liquidity through accessing your real estate equity to fund your operation with asset-based solutions tailored to agriculture.

ABOUT

We Understand Agriculture.

When traditional lenders say no,
Northern Ag Capital steps in.

Northern Ag Capital provides flexible, asset-based lending for farmland owners nationwide.

With decades of farmland-finance experience, we create tailored solutions for farmers, ranchers, and landowners in every credit situation.

OUR MISSION

We put the Farmers First

Northern Ag Capital empowers farmers, ranchers, and landowners with flexible, land-based financing that unlocks the value of their property and sustains their operations—without the constraints of traditional lending.

when traditional lenders say no, Northern Captial Ag steps in.

Always putting farmers first with the ultimate goal of helping them regain financial strength and return to conventional lending.

Asset‑Based Financing for Farmland

Flexible loan structures using your farmland as collateral—ideal for expansion, refinancing, or restructuring.

Equipment & Capital Expenses

Lease or purchase essential machinery efficiently by tapping into farm equity.

Working Capital Support

Seasonal cash flow? Harvest delays? Budget shortfalls? Tap farmland equity without long-term debt burdens.

All Credit Types Welcome

Including operations in foreclosure or bankruptcy. We customize terms to reflect your current situation, not penalize it

Asset‑Based Financing for Farmland

Flexible loan structures using your farmland as collateral—ideal for expansion, refinancing, or restructuring.

Equipment & Capital Expenses

Lease or purchase essential machinery efficiently by tapping into farm equity.

Working Capital Support

Seasonal cash flow? Harvest delays? Budget shortfalls? Tap farmland equity without long-term debt burdens.

All Credit Types Welcome

Including operations in foreclosure or bankruptcy. We customize terms to reflect your current situation, not penalize it

For Farmers

Supporting the financial needs of Farmers, Ranchers, and Agriculture Landowners.

FOR AGENTS

Northern Capital Ag focuses exclusively on agriculture, partnering with us means partnering with agricultural financing experts.

Serving the Midwest and Beyond.

Northern Ag Capital proudly supports farmers across a broad service area. Though our roots are buried deep in the Midwest our reach extends nationwide. Anyplace where agriculture is a way of life.

Currently lending

Lending Opportunities

Not Currently Lending

when traditional lenders say no, Northern Ag Capital steps in.

Always putting farmers first with the ultimate goal of helping them regain financial strength and return to conventional lending.

Total assets lended last year.

0 M

Farmers trust Northern Ag Capital with their land and farms.

How We Work

Initial Consultation

Personal call to understand your operation, objectives, and current financial position.

Land Valuation

Independent evaluation of farmland for collateral-based financing calculation.

Proposal & Terms

Receive a tailored loan offer, competitive rates, flexible structure, and repayment options.

Funding & Use

Once accepted, funds are released for intended use, expansion, capital purchases, or liquidity.

Northern Ag provided fast, flexible capital that helped us buy new equipment right before planting season.

NORTHERN CAPITAL AG CUSTOMER

Agriculture lending solutions for farms across the midwest

HELPING THE NATION’S FARMERS STAY BETWEEN THE ROWS

FAQS

Answers to common questions

At Northern Ag Capital, we understand that navigating farm financing can be complex, especially when traditional options fall short. Here’s a few of the most common questions we receive from farmers, ranchers, and landowners.

If you don’t see your question here or want to talk through your specific situation, our team is always here to help.

Reach out today to start the conversation and see how we can unlock the value of your land.

1. Who qualifies for a loan through Northern Ag Capital?

We work with a wide range of clients—including those with strong financials as well as borrowers facing credit challenges, foreclosure, or bankruptcy. If you own farmland, there’s a good chance we can help.

2. How is your lending different from a traditional bank loan?

Unlike banks, we offer asset-based financing that’s primarily secured by the value of your land—not your credit score or past financial history. Our process is streamlined, with fewer restrictions and more flexibility.

3. What can the loan funds be used for?

Our loans can be used for nearly any farm-related purpose: land expansion, equipment purchases, working capital, operating expenses, debt consolidation, and more.

4. How quickly can I get funded?

Every situation is different, but we move fast—many borrowers receive proposals within a few days and funding shortly after land evaluation and documentation are completed.

Reach out today to start the conversation and see how we can unlock the value of your land.

Farmland Loans

We Understand Agriculture.

Asset-Based Financing for Farmland

Flexible Terms

Working Capital Support

All Credit Situations Welcome

We put the Farmers First

when traditional lenders say no, Northern Captial Ag steps in.

Asset‑Based Financing for Farmland

Equipment & Capital Expenses

Working Capital Support

All Credit Types Welcome

Asset‑Based Financing for Farmland

Equipment & Capital Expenses

Working Capital Support

All Credit Types Welcome

For Farmers

FOR AGENTS

Serving the Midwest and Beyond.

when traditional lenders say no, Northern Ag Capital steps in.

How We Work

Initial Consultation

Land Valuation

Proposal & Terms

Funding & Use

Northern Ag provided fast, flexible capital that helped us buy new equipment right before planting season.

HELPING THE NATION’S FARMERS STAY BETWEEN THE ROWS

Answers to common questions