Working capital built for how farms actually operate — seasonal revenue, front-loaded input costs, and equipment needs that don't wait for harvest. $10K–$500K, 24-hour decisions.
Apply for an Agriculture Loan Call (305) 384-8391Agriculture is one of the most capital-intensive industries in the United States. A mid-size corn and soybean operation farming 1,000 acres might spend $400,000–$600,000 on seed, fertilizer, crop protection, fuel, and labor before the first grain goes in the bin. That money goes out in March through June. Revenue comes back in October and November — if the market cooperates.
This 5–7 month gap between major expenses and major revenue is a structural feature of farming, not a sign of a failing business. But it means farms need access to capital that traditional banks — with their monthly income documentation and collateral requirements — often can't provide fast enough.
A corn farmer planting in April needs a loan approved in March. A strawberry grower in California needs labor financing in January for February harvest. The timing of agricultural capital needs doesn't fit neatly inside a 45-day bank approval window.
Input costs have increased significantly over the past several years and remain elevated in 2026. Diammonium phosphate (DAP) fertilizer runs $600–$750 per ton. Urea nitrogen prices hover around $450–$600 per ton. Anhydrous ammonia — the backbone of corn production — sits at $700–$900 per ton in most markets. Seed costs for genetically modified corn hybrids run $250–$350 per bag (covering 2.5 acres).
A 1,000-acre corn operation planting at 32,000 seeds per acre needs roughly 400 bags of seed — $100,000–$140,000 in seed alone before the field is planted. Add fertilizer at $200–$300 per acre and you're looking at $300,000–$440,000 in seed and fertilizer for a single crop season.
An agriculture business loan bridges this gap, allowing farms to purchase inputs at the right time rather than at the potentially worse prices that result from delaying until cash is on hand.
Corn, soybeans, wheat, cotton, rice, and other commodity crops. Loans fund seed, fertilizer, herbicides, fuel, and harvest labor during the pre-revenue production window.
Orchards, berry farms, vegetable operations, and specialty produce. High labor intensity creates significant pre-harvest cash needs, especially for operations relying on seasonal labor crews.
Cattle, hog, poultry, and dairy operations with ongoing feed and operational costs. Working capital loans cover feed purchases, veterinary care, and operational gaps in receivables.
Wine grapes, table grapes, tree fruits, and nut orchards. Long production cycles (years from planting to first revenue) and high per-acre costs make working capital financing essential.
Greenhouse growers, plant nurseries, and horticulture operations. See our dedicated nursery business loans page for more information specific to this sector.
Farm-related businesses including feed stores, grain elevators, co-ops, and agricultural processing operations. Working capital loans support inventory, payroll, and seasonal demand fluctuations.
No two farming operations are identical. MFE offers multiple products that can be used individually or in combination to meet your specific needs:
A lump-sum loan with fixed repayment schedule. Best for known, discrete expenses like purchasing seed and fertilizer for a specific season.
A revolving credit line you draw from as needed. Best for farms with ongoing, variable expenses throughout the growing season.
Secured financing for tractors, combines, irrigation systems, and other farm machinery. See our dedicated farm equipment financing page.
Capital repaid through fixed daily or weekly ACH payments tied to business performance. Works well for farms with steady, predictable revenue streams.
MFE's working capital products are not designed for real estate purchases, purchasing farm land, or refinancing existing real estate mortgages. For equipment specifically, our equipment financing product is the right tool. For real estate, you would need to work with an agricultural real estate lender.
Additional documentation may be requested for larger loan amounts or complex operations. Our team will walk you through anything needed after the initial application.
Agriculture business loans can be used for seed and crop inputs, fertilizer, pesticides, labor costs during planting and harvest, equipment repairs, livestock purchases, operating expenses between harvests, and any other working capital need. They are distinct from equipment financing, which is tied to a specific asset purchase.
MFE structures farm business loans with an understanding that agricultural revenue is seasonal. Rather than requiring equal monthly payments year-round, we work with farms to create repayment structures that align with harvest cycles and seasonal cash flow patterns.
MFE works with farms generating at least $10,000 per month in average gross revenue. We look at annualized figures for seasonal operations, so a farm grossing $200,000 during a 6-month season would qualify.
MFE works with farms across a range of credit profiles. While a minimum credit score applies (generally 600+), we weight revenue, time in business, and overall business health heavily. Credit-challenged farms may qualify with strong revenue and banking history.
An agriculture business loan provides a fixed lump sum with a defined repayment schedule. A merchant cash advance provides a lump sum repaid through a percentage of daily business revenue. Loans work better for farms with predictable revenue; MCAs work better for businesses with steady daily card or ACH transactions.
MFE works with row crop farms, vegetable and fruit farms, livestock and dairy operations, poultry farms, orchards, vineyards, nurseries, greenhouses, and mixed-use agricultural businesses. The key requirement is an established business with documentable revenue.
After submitting a complete application with bank statements, most agriculture business loans receive a decision within 24 hours. Funding is typically completed within 2–5 business days.
MFE's agriculture business loans are intended for working capital and operational needs, not real estate acquisition. For equipment purchases, our equipment financing product is better suited. Land purchases typically require specialized agricultural real estate lenders.
| Product Type | Funding Range | Timeline | Key Requirements |
|---|---|---|---|
| Working Capital | K - 0K | 24-48 hours | 6 months in business, K+/month revenue |
| Merchant Cash Advance | K - 0K | 24-72 hours | 3 months in business, K+/month revenue |
| Line of Credit | K - 0K | 48-72 hours | 1 year in business, K+/month revenue |
| Equipment Financing | K - 0K | 3-5 days | 6 months in business, equipment purchase |
Expertise: Our team includes certified funding specialists with years of experience helping businesses access capital.
Trust & Transparency: We're committed to transparent lending practices with no hidden fees or surprise terms.
Fast Approvals: Our streamlined process provides decisions within 24 hours in most cases.
Flexible Solutions: We work with you to customize funding solutions that match your specific business needs and cash flow.