Agriculture Borrowing Solutions

The Agriculture Operating Line allows you to borrow the money you need when you need it²:

• Finance farm and farm-related purchases
• Deal with seasonal fluctuation in cash flow
• Pay interest only on the amount you borrow, at competitive interest rates and fees
• Available in Canadian or U.S. Dollars

For businesses in the agricultural industry which require assistance financing equipment or other farm assets, and agribusiness projects:

• Choose fixed or floating rates (amortization up to 10 years)
• Flexible payments (monthly, quarterly, semi-annually or annually) depending on cash flow
• Up to 10% pre-payment of the original loan amount is permitted annually on fixed rate loans

The Canadian Agricultural Loans Act (CALA)
Program can help you fulfill your need to expand, purchase, or improve the fixed assets within your operation,including the purchase of breeding livestock, real estate and equipment.

• Financing available for up to 90%³ of the "eligible costs"³ of assets financed
• Monthly repayment frequency with a choice of terms
• Competitive fixed and floating interest rates are available

La Financière agricole du Québec (FADQ) Farm Financing Program¹ is fully guaranteed by the Province of Quebec and is available to full-time or part-time farmers in Québec. It can help you fulfill your need to expand, purchase, or improve the fixed assets within your operation, including the purchase of real estate and equipment.

Features of FADQ Farm Financing Program

• Temporary interest only financing
• Interim interest only loans (bridge financing pending receipt of a government grant)
• Term Loan (single or multiple advance)
• Competitive fixed and floating rate options are available

The Agriculture Operating Line allows you to borrow the money you need when you need it²:

• Finance farm and farm-related purchases
• Deal with seasonal fluctuation in cash flow
• Pay interest only on the amount you borrow, at competitive interest rates and fees
• Available in Canadian or U.S. dollars

For farmers and agricultural businesses that require a flexible tool to help manage their cash flow, or finance capital expenditures:

• Withdraw the funds you need when you need them²
• Pay interest only on the amount you borrow
• Available in Canadian or U.S. dollars

For businesses in the agricultural industry which require assistance financing equipment or other farm assets, and agribusiness projects:

• Finance new/used farm machinery and equipment
• Buy livestock, inventory, etc.
• Refinance existing loans
• Choose fixed or floating rates (amortization up to 10 years)
• Flexible payments (monthly, quarterly, semi-annually or annually) depending on cash flow
• Up to 10% pre-payment of the original loan amount is permitted annually on fixed rate loans

Finance capital projects or improve cash flow for an existing farm operation:

• Finance expansion, acquisition or renovation of farmland, or purchase farm equipment
• Refinance existing loans
• Floating/fixed rate loans (terms from 6 months to 5 years)
• Payments made monthly, quarterly, semi-annually or annually
• Amortization periods up to 25 years
• Up to 10% pre-payment of the original loan amount permitted annually on fixed rate loans

The Canadian Agricultural Loans Act (CALA)
Program can help you fulfill your need to expand, purchase, or improve the fixed assets within your operation,including the purchase of breeding livestock, real estate and equipment.

• Financing available for up to 90%³ of the "eligible costs"³ of assets financed
• Monthly repayment frequency with a choice of terms
• Competitive fixed and floating interest rates are available

For dairy and poultry farmers who need assistance financing capital assets or improving cash flow:

• Finance expansion or acquisition of farmland, or equipment purchases
• Purchase quota
• Refinance existing loans
• Floating/fixed rate loans (terms from six months to five years), with payments made monthly, quarterly, semi-annually or annually
• Amortization periods up to 15 years
• Up to 10% pre-payment of the original loan amount permitted annually on fixed rate loans

La Financière agricole du Québec (FADQ) Farm Financing Program¹ is fully guaranteed by the Province of Quebec and is available to full-time or part-time farmers in Québec. It can help you fulfill your need to expand, purchase, or improve the fixed assets within your operation, including the purchase of real estate and equipment.

Features of FADQ Farm Financing Program

• Temporary interest only financing
• Interim interest only loans (bridge financing pending receipt of a government grant)
• Term Loan (single or multiple advance)
• Competitive fixed and floating rate options are available