Industry Guide
MCA Funders for Farming & Agriculture
Why Farms Take Out MCAs
Seed and fertilizer purchases
Spring planting requires buying seed, fertilizer, and chemicals upfront — months before any crop revenue comes in. Suppliers want payment at delivery, not after harvest.
Equipment repairs before season
Tractors, combines, irrigation systems, and trucks need to be running before the season starts. A breakdown in March means lost planting windows if not fixed immediately.
Bridging the gap between harvests
Farmers often go 4-6 months between major income events. Operating costs — fuel, labor, feed, maintenance — don't stop during those gaps.
Livestock feed and veterinary costs
Livestock operations have ongoing feed, veterinary, and facility costs that can spike unexpectedly. Disease outbreaks or feed price increases create sudden cash needs.
Land lease payments
Annual or semi-annual land lease payments come due on fixed dates regardless of revenue timing. Missing a payment can mean losing access to productive acreage.
Weather damage recovery
Storms, drought, or flooding can damage crops, facilities, and equipment. Insurance claims take weeks to process, but cleanup and replanting can't wait.
Farming is one of the most seasonal industries in MCA. Revenue often comes in large lump sums after harvest or livestock sales, with months of expenses in between. Not all funders are set up to handle this kind of cash flow pattern — they want to see consistent monthly deposits, which farming rarely provides. The funders that do work with agriculture understand the cyclical nature of the business.
Bank statements for farming businesses tend to look different than a typical retail or service business. Deposits might be large and infrequent, with government subsidies, crop insurance payments, and contract farming income mixed in. Funders who know the space can read these statements properly and won't decline a deal just because the deposits aren't evenly distributed.
Deal sizes for farming vary widely — small family farms might need $20K-$50K, while larger operations with equipment fleets and multiple crop cycles can qualify for $200K+. Key factors funders look at include time in business, land ownership vs. leasing, and whether the farmer has contracts or committed buyers for their output.
60 Funders Accept Farming
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QFS Capital
VerifiedMin Revenue: $0/mo
Max Positions: 99
Defaults: ✕ No
App Funding Beta
VerifiedMin Revenue: $35,000/mo
Max Positions: 6
Defaults: ✓ Accepted
Black Rok
VerifiedMin Revenue: $30,000/mo
Max Positions: 99
Defaults: ✓ Accepted
GMFunding
VerifiedMin Revenue: $25,000/mo
Max Positions: 5
Defaults: ✕ No
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