Agriculture Financing
The land note is due. Equipment and seed cash cleared before harvest posts.A bank gives you an answer. As your loan broker, I give you options.
You paid for seed, fuel and the tractor payment before the crop hit the elevator. The bank freezes on seasonal cash flow and asks for collateral you already pledged. I’m Kevin Kermeen, a nationwide commercial loan broker, and I match farm and ag operators to financing built around land, equipment and real cash flow. One application puts your file in front of the right capital partners from my network of 200+. DON’T beg the bank!
7 days a week (Arizona Time)
- 200+capital partners
- All 50states
- Unsecuredup to $500k*
- Same-daycallback
What Agriculture Financing Covers
Lead with unsecured cash when credit fits, then equipment, working capital, SBA Express and CRE for land or facilities.
Unsecured Business Loans
Best for: cash without putting up collateral
Browse unsecured term loans, lines and 0% intro cards matched to your credit and cash flow.
Unsecured Term Loan
Best for: one fixed payment, up to $500,000
A lump sum with predictable payments when your credit is 680+ and the file fits.
Unsecured Line of Credit
Best for: draw, repay, draw again
Revolving unsecured cash for inventory spikes, payroll gaps and seasonal swings.
0% Business Credit Cards
Best for: intro 0% purchasing power
0% intro business cards for inventory, build-outs and short-term cash needs when you qualify.
SBA Express Loans
Best for: faster SBA path when you qualify
SBA Express for working capital and growth when the SBA path fits your file.
SBA Loans
Best for: 7(a), 504 and Express overview
Compare SBA structures for acquisition, expansion and real estate.
Commercial Real Estate Loans
Best for: owning the building or site
CRE financing when the real estate is part of the deal.
Equipment Financing
Best for: tractors, implements and irrigation
Finance ag equipment when the gear can help secure the deal.
Working Capital
Best for: seed, fuel, payroll and inputs
Bridge the gap between planting costs and harvest receipts.
Commercial Real Estate
Best for: farmland, barns and facilities
CRE paths when land or ag real estate is part of the deal.
More SBA and Real Estate Programs
Every Industries page links the full SBA and CRE stack so you can jump to the structure that fits.
Commercial and Investment Real Estate
Commercial Real Estate Loans Multi-Family Apartment Loans Warehouse and Industrial Loans Owner Occupied Bridge Loans CRE Foreclosure Bailout Loans Investment Property LoansInvestment and Bridge
Fix and Flip Loans DSCR Loans BRRRR Loans Investment Foreclosure Bailout Loans Bridge Loans7 days a week (Arizona Time)
Picture This… Real Cash-Flow Scenes
Picture This…
GROWER: “Credit’s 720. Contracts are signed.”
BANK: “Come back after harvest.”
GROWER: “Seed, fuel and the note are due before the elevator check clears.”
Unsecured loans: no collateral, up to $500,000, 680+ credit. See unsecured options or start your application.
Picture This…
Picture the tractor that keeps acres running — and an implement invoice the operating account cannot clear today.
That is an equipment and cash-flow gap on a real operation.
Unsecured loans: no collateral, up to $500,000, 680+ credit. See unsecured options or start your application.
Picture This…
The bank wanted a perfect year of tax returns before talking land or equipment.
As your loan broker, I look for unsecured, equipment, SBA Express and CRE options that fit ag timing.
Unsecured loans: no collateral, up to $500,000, 680+ credit. See unsecured options or start your application.
7 days a week (Arizona Time)
How Agriculture Financing Works With Me
Three steps. Bold titles only. Details live on the application.
- Step 1Quick Conversation
- Step 2Send Your Documents
- Step 3Approval and Funding
Business loans are normally approved in 4 hours to 3 days once your application and all documents are in. Some loans are approved and funded in 24–72 hours on select programs. SBA loans follow SBA timelines (SBA 45–60 days).
7 days a week (Arizona Time)
☂️ Banks hand out umbrellas when the sun is shining, not when you are weathering the storm.
Straight Answers Before You Apply
What is agriculture financing?
Agriculture financing funds land, equipment, working capital, facilities and growth for farms and ag operations. I match you to unsecured term loans and lines when credit fits (often 680+), plus equipment financing, working capital, SBA Express and CRE when those fit better. Approval is never guaranteed.
Can I finance farm equipment or land?
Often, yes — equipment financing when the gear helps secure the deal, and CRE or SBA paths when land or facilities are the goal. I qualify the deal honestly before I send it. Approval is never guaranteed.
How fast are agriculture loans?
Normally approved in 4 hours to 3 days once your application and all documents are in. Some loans are approved and funded in 24–72 hours on select programs. SBA follows SBA timelines (SBA 45–60 days). Same-day callback is available when you reach me.
What does it cost to work with you?
It depends on the loan. Some loans carry an upfront fee and some do not, and every fee, from me or a capital partner, is explained and disclosed before you commit.
Get Funded Instead
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com. Agriculture lending is about land, equipment and how harvest and contracts actually clear cash. Matching you to the right capital partner is the whole point of working with me. I personally review every application. I call you directly. I never text.
A bank gives you an answer. As your loan broker, I give you options.
DON’T beg the bank!
7 days a week (Arizona Time)
Subject to credit approval. Terms vary. This is not a commitment to lend. Loan amounts, terms and funding speed depend on the capital partner, your credit, the business and the file. Unsecured programs commonly require 680+ credit and have their own limits (often up to $500,000). Sources for SBA program facts: SBA 7(a) and SBA 504.
Pre-Qualify for Agriculture Financing
Quick pre-qualification. I personally review every submission — no call center, no junior rep.
Got it. I’ll be in touch shortly.
I like to start with a phone conversation so I know how I can understand your situation and help you best. After we talk, I’ll send you an email with the loan intake form and checklist of documents you will need to start compiling.
I’ll reach out to you during my normal business hours (7am-6pm Arizona Time) from my number (480) 915-8690.
Need to talk asap? Call me at (480) 915-8690
Best Regards,
Kevin Kermeen
75BizLoans.com
Direct: (480) 915-8690
Email: Kevin@75BizLoans.com
Subject to credit approval. Terms vary. This is not a commitment to lend.