Prepare before the season
Map seed, feed, fertilizer, fuel, labor, and other input costs against planting, production, and expected sales dates. Separate recurring operating costs from long-term investments.
Farming & Agriculture
Farm expenses often arrive well before harvest or customer payment. Owens Capital helps agricultural businesses explore capital for seasonal operating costs, productive equipment, facilities, and planned growth, with repayment timing considered alongside the farm’s cash-flow cycle.
Keep equipment productive
Consider machinery condition, maintenance, seasonal utilization, and replacement timing before financing tractors, implements, irrigation equipment, or commercial vehicles.
Protect operating flexibility
Allow for changes in yields, market prices, weather, and buyer payment timing. Review repayment commitments against realistic cash-flow projections.
AGRICULTURAL FINANCING PATHS
Plan capital around the growing cycle.
Available products, terms, collateral requirements, and eligibility depend on the operation, intended use of funds, and financing provider. Start with the farm’s financial records, production plan, existing debt, and equipment or project estimates.
Seasonal Operating Capital
Explore funding for inputs, feed, payroll, fuel, and other production expenses, with payment timing considered alongside expected farm receipts.
Farm Equipment Financing
Discuss tractors, implements, harvesting machinery, and other productive assets, including equipment condition, useful life, and seasonal utilization.
Irrigation & Facility Improvements
Plan the cost and expected operating benefit of irrigation systems, greenhouses, storage, fencing, and related improvements before choosing a financing structure.
Agricultural Property & Expansion
Evaluate land, buildings, additional capacity, and acquisition plans with attention to property use, existing obligations, and lender eligibility.
READY TO TALK?