Agriculture & Farm Funding — Inputs, Equipment & Seasonal Working Capital
Agriculture funding from Y Millennial Funding is working capital for farms, ranches, dairies, orchards, greenhouses and agribusinesses such as produce packers and farm supply dealers, structured as a merchant cash advance: a purchase of future receivables, not a loan. It is sized to the operation's business deposits, for operations averaging $50,000 or more a month, and remitted as a share of receivables. Not all applicants qualify.
Farming spends first and gets paid later. Seed, fertilizer, feed, fuel and labor are paid for at planting or breeding, while the crop, calves or produce turn into cash months later, with weather and commodity prices in between. Operations use our funding to buy inputs, fix equipment in the middle of harvest, cover H-2A and seasonal payroll, and bridge the wait for buyers to pay. We are a direct funder and underwrite on deposits, not credit score or land equity. Because fit depends on steady deposits, highly seasonal operations are reviewed case by case.
Get Pre-Qualified
Takes under a minute. No credit pull.
- Can I qualify with bad credit? We underwrite primarily on your business revenue and bank-deposit history, not your personal credit score, so businesses with past credit issues can still qualify. Not all applicants qualify.
- How fast can I get funded? Eligible applications with complete bank statements can get a same-day decision, with funding commonly within 24 to 72 hours.
- What does it cost? Yes. Growers use it for wages at the Adverse Effect Wage Rate, housing and transportation that start before the harvest money arrives.
Industry Snapshot
Row-crop and produce farms; livestock, dairy, and poultry operations; orchards and vineyards; greenhouse and nursery growers; specialty and organic farms; custom-harvest and ag-service operators; small agribusiness and farm-to-market sellers.
$50K-$5M monthly (or seasonal-equivalent) revenue typical for our applicants; many operations with strong seasonal deposit cycles.
$25K-$500K typical advance size; larger advances available for established operations with strong deposit and sales history.
Why Traditional Lenders Struggle with Agriculture & Farming
Farm lending works well for the long run but moves slowly. Ag banks and USDA Farm Service Agency loans usually tie funding to land, equipment and crop liens, require a farm plan and projections, and run on a timeline measured in weeks. Lenders also see lumpy seasonal revenue and price risk, and an existing lender may already hold a lien on the crop.
When a harvester breaks down or input prices jump before planting, that timeline is too slow.
Why Revenue-Based Funding Works for Agriculture & Farming
A merchant cash advance reads the operation's actual business deposits, including sales to buyers, co-ops, packers and farm stands, and sizes funding to that history rather than credit score or land equity.
Remittance is a share of receivables, so lean months mean smaller remittances. Funding arrives fast enough to fix equipment mid-harvest or buy inputs before prices climb. Operations with only one or two large payments a year are a harder fit, and we'll say so.
A merchant cash advance is a purchase of future receivables, not a loan. Approval depends on underwriting and revenue, and not all applicants qualify.
See if your agriculture & farming business pre-qualifies
Checking your options takes under a minute and won't affect your credit. Approved on revenue, not credit score.
Prefer to talk? Call (855) 774-6461Common Uses of Funding
Seed, fertilizer, chemicals, feed and fuel ahead of a season; equipment repair during planting or harvest; H-2A and seasonal payroll; livestock purchases; irrigation, cooling and storage; greenhouse and packing-shed upgrades; bridging the wait for produce, milk or livestock payments; food-safety and audit upgrades.
Common Challenges
Money out long before money in. Inputs, rent on leased ground and labor are paid months before harvest or sale, and one bad week of weather can change the whole year.
Breakdowns happen at the worst time. A combine, tractor, irrigation pump or cooler that fails during planting or harvest has to be fixed now, not after a loan committee meets.
Prices move. Fertilizer, fuel and feed costs can jump before a season, and grain, cattle and milk prices can fall after the crop is already in the ground.
Buyers pay on their schedule. Produce buyers commonly pay within 10 days of acceptance, or on agreed terms up to 30 days, dairy co-ops pay a partial milk check mid-month and the rest after the month closes, and contract growers wait for settlement.
Labor rules add cost. H-2A workers must be paid the Adverse Effect Wage Rate, with housing and transportation provided, and those costs start before the harvest money comes in.
How Repayment Works
Daily, weekly, or seasonally-structured ACH remittance set as a percentage of revenue, structured to match the operation's actual cash-flow cycle where possible. Total terms typically range from 6 to 18 months depending on advance size and the sales cycle.
Seasonal Considerations
Highly seasonal. Row crops spend heavily in spring and get paid after fall harvest, produce follows the growing season, and orchards and vineyards have one harvest a year. Dairy and poultry are steadier but ride milk and feed prices, and cattle follow calving and sale cycles. Winter is lean for many operations. Remittance is a share of receivables, so it shrinks in slow months, but approval still needs consistent deposits across the year.
Regulatory Environment
USDA programs, crop insurance through the Risk Management Agency, and Farm Service Agency reporting shape most operations. Produce growers who supply fresh fruit and vegetables fall under the FSMA Produce Safety Rule, and produce sales are covered by PACA, which sets prompt-payment terms and trust protection for sellers. Livestock sales fall under the Packers and Stockyards Act, and dairies are paid under federal or state milk marketing orders. Add H-2A labor rules, pesticide applicator licensing, water rights and runoff rules, and organic certification where it applies.
Industry Terminology
Input costs, yield, per-acre economics, custom harvest, co-op, basis, commodity price, livestock cycle, dairy check, CSA (community-supported agriculture), grow cycle, crop insurance, H-2A labor, planting/harvest window, agribusiness.
Nationwide Agriculture & Farming Funding
Y Millennial Funding works with agriculture & farming businesses across the United States. Because our funding is revenue-based and delivered electronically via ACH, we are able to work with businesses nationwide — not just in a single region. Wherever your business operates, we can underwrite based on your revenue history and get you funded quickly.
Local Markets We Serve
We fund Agriculture & Farming businesses nationwide — browse all locations.Frequently Asked Questions
Common questions about agriculture & farming business funding.
Related Industries
Helpful Tools
Free resources to help you understand and plan your merchant cash advance.
Eligibility Checker
5-minute pre-qualification assessment with no credit pull.
MCA Calculator
Estimate payments, factor-rate cost, APR, and term length.
Stacking Calculator
Analyze capacity for multiple MCA positions.
How MCA Works
Learn the mechanics and process.
MCA Disclosures
Important terms and information.