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Farm loans and agricultural financing

Your farm fuels BC's future.

BC farmers are our pride and we’re here to support you at every step. Whatever your needs are – big or small, count on our experts and solutions so you can focus on your farm and not worry about the finances.

Meet a business specialist

For all stages of your business.

Tell us your next steps and we can help you get there. What’s your reason to borrow?

Getting started

  • Leasing your land or purchasing the property
  • Research and development
  • Procuring raw materials, tools and equipment

Managing seasonal cash flow

  • Working capital for seasonal fluctuations
  • Managing rising costs of fuel, equipment and labour
  • Pre-commercial and commercial product development

Expansion or recovery

  • Buying equipment, vehicles, farmland or livestock
  • Future-proofing operations
  • Market development or expansion into retail
  • Upgrades to reduce costs and your carbon footprint (ex. solar panels, electric vehicles, water management)

How we support you.

Whether you’re starting, expanding, or just trying farming, we have the lending solutions to help you grow.

Personalized lending options
Choose between mortgage, term loan or line of credit with flexible payment plans. Or a combination of all three. View all options.

Competitive interest rates
Get market rates based on your loan application and member relationship.

Humanized, localized support
Talk to a member on our team who understands, supports and is connected with the local farming community.

Book an appointment

Partner with a local company that cares for the land like you do.

If you’ve been wondering “where are the people that care about how climate change and forest fires are affecting our food,” we’re here. And always have been. As a values-based organization, we return 30% of profits to fund initiatives that tackle climate change, promote local food sustainability and more. We operate on a business model that creates a clean and fair world while creating solutions for people and businesses to do the same.

See our commitments to people and the planet

Our cream of the crop.

Find the right financing for your farm or agribusiness. Get approved based on your growth potential, not just your credit score.

Microfinance and small growers fund

To help you get started and for small scale farming.

  • Rate: Prime+3%
  • Up to $75,000 in a term loan, line of credit or a combination
  • Term loan length of up to 7 years
  • No application fees, no annual fees, no prepayment penalties
  • Blended scheduled payments — weekly, bi-weekly, or monthly
Book an appointment

Business term loans

For large purchases, expansions and upgrades.

  • Term loan of up to 10 years
  • Consistent payments so businesses can easily manage cashflow
Book an appointment

Business operating loans

Minimize borrowing costs and for your day-to-day.

  • Instantly accessible funds for predictable and unpredictable expenses
  • Only pay interest on what you use
  • Pay borrowed funds back at your own pace
Book an appointment

Business mortgage

Flexible loan options to meet your farming goals.

  • Amortization of up to 25 years
  • For income producing properties: Fixed, or closed options for 1 to 5 year terms
  • For construction: variable rate mortgages of 6 to 18 month terms
  • Other loan terms dependent on application details
Book an appointment

Residential farming and hobby farm mortgages

Options for all shapes and sizes.

  • For value of land based on the first 5 acres up to 15 acres
  • Applicable for parcel of land not exceeding 25 acres
Book an appointment