Farm loans and agricultural financing
Your farm fuels BC’s future.
We’re here to support BC farmers at every step, so you can focus on your farm and not worry about the finances.
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.
We care for the land like you do.
If you want to partner with a local company that cares about how climate change and forest fires are affecting our food, we’re with you. 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.
Find the right financing for your business.
Get approved based on your growth potential, not just your credit score.
Business term loans
- Term loan of up to 10 years
- Consistent payments so businesses can easily manage cashflow
Business operating loans
- Instantly accessible funds for predictable and unpredictable expenses
- Only pay interest on what you use
- Pay borrowed funds back at your own pace
Business mortgage
- 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
Startup and growth
- Borrow up to $75,000
- As loan or combination of loan and operating line of credit