Farm Mortgage Canada

Every farm is different. Grain, dairy, poultry, greenhouse, orchard, vineyard, and mixed operations all underwrite differently. We match the loan structure to acreage, improvements, quota where applicable, and your working-capital cycle, then bring targeted quotes that fit your timeline and risk.

Who We Serve

• Family farms expanding land base or buying a neighbouring parcel

• Operators upgrading barns, irrigation, storage, or greenhouses

• Agri-businesses adding equipment or working capital ahead of harvest

• New entrants acquiring their first operation with mentorship or vendor support

Properties and Projects We Finance

• Farmland and ranchland: Fee simple, with attention to ALR and local zoning

• Dairy and poultry: Quota-supported operations and facility upgrades

• Greenhouse and horticulture: Glass or poly, heating, and climate systems

• Orchards and vineyards: Trellis, irrigation, frost protection, and processing space

• Mixed crop and livestock: Storage, barns, fencing, water, and pasture improvements

Eligible Scenarios

• Purchase: Land, buildings, and operating improvements

• Refinance: Lower cost of capital or align terms with your cash flow

• Construction and upgrades: Barns, pads, storage, irrigation, power, and automation

• Bridge and seasonal: Short-term facilities for inputs, planting, and harvest

• Succession and buyouts: Family transfers and partner exits with practical terms

How Farm & Agriculture Financing Is Structured

We start with acreage, production, and your next two seasons of plans.

• Leverage: Sized to land value, improvements, and reliable cash flow

• Rates and terms: Fixed or variable across 1 to 10 years; longer where land security supports it

• Amortization: Often 15 to 30 years for land and buildings; shorter for equipment

• Covenants: Practical reporting and reserve requirements that match your operation

• Support programs: Coordinated when helpful with farm-focused lenders and programs

Typical Loan Parameters and Eligibility

(Actual terms vary by asset quality, market, sponsor strength, and lender policy.)

• LTV: Often 55 to 75 percent on land and buildings; equipment and inventory priced separately

• DSCR: Sized to normalized net income through the cycle

• Security: First charge on land and improvements; equipment schedules where needed

• Sponsor profile: Relevant experience, clean compliance, and a credible operating plan

Streamlined Documents Checklist

We stage what is needed to keep momentum.

• Property and operations: Parcel details, current use, improvements, and insurance

• Financials: Recent statements, production history, and projections tied to acreage and yield

• Compliance: Zoning or ALR status, water rights or licenses if applicable

• Projects: Scope and budget for barns, storage, irrigation, or greenhouse upgrades

• If quota-supported: Current quota holdings and any transfer details

Process and Timelines

• Initial review (1 to 3 business days): Indicative sizing and lender short list

• Term sheets (3 to 10 business days): Competitive quotes matched to your goals

• Diligence and approvals (2 to 6 weeks): Appraisal, environmental where required, and legal

• Closing and funding: Conditions satisfied, insurance bound, security registered

Why Work With Us

• Ag fluency: We understand ALR nuances, quota, water, and seasonal cash flow

• Structure first: Debt aligned to how and when your operation earns

• Breadth of capital: Banks, credit unions, farm-focused lenders, and private capital

• Clarity and speed: Milestones, early issue spotting, and plain language

Get Started

Message our team to talk through your plans and market. We’ll outline practical options for farm and agriculture financing in Canada so you can compare terms and move forward with confidence.