Industry funding
Capital that grows on your calendar.
You invest in spring and earn in fall. We fund seed, equipment, and operations now — with repayment structured around the harvest that pays it back.
The funding challenges agricultural operations face.
Agriculture runs on a long, weather-dependent cycle where costs come months before the harvest that funds them.
Plant now, paid later
Seed, fertilizer, and labor are paid in spring while income arrives only at harvest.
Expensive equipment
Tractors, combines, and irrigation systems are major outlays against seasonal revenue.
Weather risk
A single season can swing wildly, so flexible terms matter more than in most industries.
Commodity price swings
Volatile prices make rigid, evenly-spaced payments a poor fit.
Funding solutions for agricultural operations.
Term capital aligned to harvest funds the season; equipment financing covers the iron.
Agriculture by the numbers.
Common ways agricultural operations put capital to work
- Funding seed, fertilizer, and labor for the season
- Financing tractors, combines, and irrigation
- Bridging operating costs until harvest revenue
- Expanding acreage or livestock capacity
Testimonial
Meridian structured our financing around harvest, not a generic monthly schedule. We planted the full acreage we wanted and repaid when the crop came in. It just fit how farming works.
Owner, Lindholm Family Farms
Do you qualify?
Most agricultural operations that meet these baselines can get funded. If you're close, apply anyway — we read the whole business.
- 6+ months in business under current ownership
- $15,000+ in average monthly revenue
- 500+ personal credit score
- A U.S.-based business with an active business bank account
Built for agricultural operations
Fund the season, repay at harvest.
Apply in five minutes and get matched with an advisor who understands agriculture.