Financing that works with your growing season
Agricultural businesses face unique cash flow challenges tied to planting and harvest cycles. Expenses for seed, fertilizer, labor, and equipment pile up months before harvest revenue materializes, putting enormous strain on working capital. Bay Street Lending connects farms, ranches, and ag operations with lenders who understand seasonal revenue patterns and can structure funding around your production timeline. With access to equipment financing, lines of credit, and SBA programs through our 50+ lender network, you can invest in growth without waiting on the next harvest check.
Expenses hit months before harvest revenue. Funding bridges the gap between planting costs and income.
A single combine can cost $500K+. Financing lets you acquire what you need without draining reserves.
Flexible funding helps you pivot when crop prices shift or weather disrupts your timeline.
Yes. Our lenders evaluate your annual revenue cycle, not just monthly averages. Seasonal businesses qualify regularly.
Seeds, equipment, labor, land improvements, irrigation, livestock, and any other operational expense your farm needs.
Not always. Working capital and lines of credit may not require collateral. Equipment financing uses the equipment itself as collateral.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.