Farmers
FOR FARMERS
Financing Built for Farmers
At Northern Ag Capital, we understand that farming isn’t just a business—it’s a way of life. From planting to harvest, drought to down markets, your operation needs reliable access to capital to stay productive, competitive, and resilient. That’s where we come in.
We work with farmers across the country to provide customized ag financing solutions that fit the unique demands of your operation—today and into the future.
Asset-Based Financing for Farmland
Flexible lending solutions secured by farmland, designed to provide the financial strength farmers and landowners need.
Flexible Terms
Every farm is unique, and so are our solutions. We offer fully amortized loans, interest-only financing, and sale-leaseback options to support your goals.
Working Capital Support
Seasonal cash-flow challenges? Budget tightness? Carryover operating losses? Leverage your farmland equity to refinance shortfalls and stabilize your operation.
All Credit Situations Welcome
We tailor financing to your current circumstances—including operations in foreclosure or bankruptcy—without penalties or judgment.
How we help you grow
our sweet spot
Who we help
- Landowner with real estate equity
Banks say “No” Because...
- Banks look backwards at past performance. We look forward at future potential
- Poor credit
- Insufficient loan to value
We Can say “YES” Because...
- We’re more focused on future land values
- We see good borrower character
- Sufficient current loan to value
Our Options
- Fully amortized loans
- Interest only loans
- Sale leaseback with option to repurchase
Real Estate Financing
Expansion Capital
Custom Lending Solutions
Tailored to complex or nontraditional financing needs.
What farmers need to know
Before applying for financing with Northern Ag Capital, it helps to be prepared with a few key details. These are tools that help us create a tailored lending solution that fits your farm, your goals, and your timeline. We’re not here to judge. We’re here to partner.
Business Overview
Size of operation, crops or livestock, location, and years in operation.
Financials
Recent balance sheets, income statements, and cash flow projections (we can help prepare these).
Collateral Details
Information about land, equipment, or inventory available to secure a loan.
Purpose of Funds
A clear purpose helps us tailor the best structure.
How We Work
Initial Consultation
Land Valuation
Proposal & Terms
Funding & Use
CONTACT US
We’re With You Every Step of the Way
The lending process can feel overwhelming—but that’s why we’re here. At Northern Ag Capital, we work closely with you from day one. We’ll help you gather documents, explain unfamiliar terms, and build a plan that supports your long-term goals.
No surprises. No pressure. Just honest, agriculture-focused lending built around your future.