Funding Built for Orchards, Vineyards & Permanent Crops

If your operation already has revenue, yes. The whole point of working capital here is to carry the year-round care, trellis, irrigation, and planting labor on a young or replanted block while it matures toward its first commercial crop. What we look at is the established business behind the planting, not the block in isolation. We do not fund a brand-new operation with no harvest history or revenue yet, that pre-revenue stage is a different kind of financing.

That gap is exactly the problem working capital is built for. A new high-density orchard or vineyard takes years to bear: UC Davis models wine grapes beginning to bear in their third year, and NC State shows high-density apple systems breaking even around year 7 to 8 versus year 10 for traditional plantings, all while the trees, vines, trellis, irrigation, and care still cost money every season. We fund the operating cash you carry through those non-bearing years against the revenue your bearing ground or other operations already produce.

Yes, and it's one of the most common reasons growers come to us. Hand-harvest crews land in a compressed few weeks, and growers using the H-2A program pay the federal Adverse Effect Wage Rate, which for FY2025 ran from $14.83 an hour in Arkansas, Louisiana, and Mississippi up to $19.97 in California, on top of mandatory worker housing and transportation. That payroll is due well before a once-a-year crop check arrives. Working capital advances the cash so the crew gets paid on time, and you repay as the crop sells.

Yes. The wine-aging gap is a textbook working-capital problem. Once grapes are picked, the wine is barrel- and bottle-aged before it can be sold, commonly 12 to 24 months in barrel for reds, so the value of the harvest sits as work-in-progress inventory the whole time. You can look profitable on paper and still be cash-tight because the value is locked in barrels. Working capital bridges that picked-to-poured-to-paid gap so you can cover grower invoices, payroll, and the next vintage while the wine matures.

Yes. USDA's Tree Assistance Program covers only up to 65 percent of replant cost, 75 percent for some producers, and requires a mortality loss above 15 percent, which leaves the grower to fund the rest and absorb the producing years lost while the new block matures. Working capital can cover that uncovered share and carry the replanted ground until it bears again. We fund the operating gap the program leaves, not the program's role.

Yes, it's different, and yes, you can use both. The Farm Credit System is the largest agricultural lender, holding roughly 45.8 percent of all U.S. agricultural debt, and it is the statutory home for farm real estate and long-term land and equipment loans. We are not a Farm Credit or FSA replacement, and we don't try to be. Those programs, plus FSA and the Tree Assistance Program, cover the land and partial disaster replanting but leave the operating-cash gaps, the years of carry before a planting pays, the harvest-labor spike, the wine-aging float, uncovered or too slow. That's exactly where flexible working capital fits, alongside whatever long-term financing you already have.

Almost certainly, because we don't apply a strict month-by-month revenue floor to seasonal operations. We assess revenue across the year, on a trailing or annual basis, so an established grower whose income concentrates at harvest is judged on consistent annual revenue rather than on what landed in any single month. Most operations we fund have been in business at least 6 months and have a steady annual revenue picture, all credit profiles welcome.

Yes. Working capital is flexible, you can put it toward fertilizer, crop protection, water, fuel, and the year-round perennial care that runs all twelve months even though the crop converts to cash only at harvest. Frost and irrigation costs that hit between paychecks are a common use.

Yes. Equipment financing fits those named purchases, sprayers, harvest aids, wind machines for frost protection, cold storage, and for wineries tanks, presses, and barrels, often with the equipment itself as collateral. That said, the recurring pain for most growers is operating cash, not one-time gear, so working capital is usually the lead and equipment financing covers the specific purchase.

Yes. If you sell fresh-market or commercial fruit to a packer, winery, or distributor on net terms, that receivable adds a payment lag on top of the seasonal one. AR and invoice factoring can advance the cash on those invoices so you're not waiting 30 to 60 days to be paid, and working capital can bridge the same gap when factoring isn't the right fit. We'll match you based on how you actually get paid.

No, and we're upfront about it. We fund the operating cash flow around a planting, the establishment carry on ground you already farm, year-round care, harvest payroll, and the wine-aging inventory gap, not the land, the orchard real estate, or specialized farm real-estate lending. If your headline need is buying the property, refinancing farm mortgage debt, or building a processing facility, that is Farm Credit or FSA territory. We can't fund the planting itself as a capital project, but we fund everything you carry while it matures.

Checking what you qualify for uses a soft credit pull that won't affect your score, and there's no obligation to move forward. All credit profiles are considered, your operation's revenue history and day-to-day performance matter more than a perfect score.

Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason growers choose us over a bank or an SBA loan, where the same request can take 30 to 90 days, long after the harvest crew is due or the replant window has passed.