Costs upfront, revenue at harvest
Seed, fertilizer, fuel, and labor are paid in spring; the crop is not sold until fall, creating a long cash gap.
Industries we serve
Capital that follows your season.
Farming runs on cycles — plant, grow, harvest, sell. We finance seed, equipment, and labor with terms built around when your revenue actually arrives.
The challenges
What makes agriculture funding different
We have funded enough agriculture businesses to know exactly where the cash-flow pressure points are.
Expensive, essential equipment
Tractors, harvesters, and irrigation systems are major purchases that must be reliable when the window opens.
Weather and price swings
A bad season or soft market can compress an entire year's income, making flexible financing essential.
Tight, single-payday margins
Much of the year's revenue can arrive in one harvest, so the rest of the year must be funded carefully.
Funding solutions
Funding solutions for agriculture
Based on how agriculture businesses actually operate, these are the products our advisors recommend most.
By the numbers
The agriculture reality
6–9 months
between planting costs and harvest revenue
$2M
available for equipment and operating capital
Seasonal
repayment structures aligned to harvest
In their words
A agriculture owner like you
“Solstice set up financing that lets me pay lightly through the growing season and settle up after harvest. I bought a newer combine and stopped renting at a premium. The seasonal terms made all the difference.”
Eligibility
Do you qualify?
Agricultural operations with 6+ months of history, $15,000+ in monthly or seasonal-equivalent revenue, and a 500+ credit score are encouraged to apply. We build repayment around your harvest cycle.
- 6+ months in business. Enough history to show us how you operate.
- $15,000+ in monthly revenue. Steady revenue is what we care about most.
- 500+ credit score. We weigh the full picture, not a single number.
Capital built for agriculture.
Apply in five minutes and talk to an advisor who understands your trade.